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CNA Financial CNA Commercial Auto — Year 5

Other product segments

Surety
6.3%+61.5%

Similar metrics at other companies

Cincinnati Financial logo
CINFCommercial Auto Line — 2
19.2%-0.1pp
Cincinnati Financial logo
CINFCommercial Auto Line — 3
14.3%-0.9pp
Cincinnati Financial logo
CINFCommercial Auto Line — Prior accident years
$6M—
Cincinnati Financial logo
CINFCommercial Auto Line — Cumulative number of reported claims
4,100,000%0.0pp
LTR
LTRCommercial Auto — Shortduration Insurance Contracts Historical Claims Duration Year Five
——
LTR
LTRCommercial Auto — Shortduration Insurance Contracts Historical Claims Duration Year Six
——

Other financials

Income statement

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Revenue$3.7B+1.4%
Net income$211.0M-23.0%
EPS (diluted)$0.78-22.0%

Balance sheet

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Cash & equivalents$522.0M+8.1%
Total debt$3.0B-0.1%
Total equity$10.9B+5.6%
Total assets$68.6B+1.8%

Cash flow

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Operating cash flow$393.0M-38.4%
CapEx$13.0M-27.8%
Free cash flow$380.0M-38.7%

Valuation

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Market cap$12.04B-9.7%
Enterprise value$14.49B-8.4%
P/E9.9×-5.0×
P/S0.8×-0.1×

Profitability

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Net margin8.1%+1.9pp
FCF margin14.4%-3.7pp

Returns & leverage

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Return on equity11.5%+2.5pp
Debt / equity0.3×0.0×

Where this comes from

Reported directly by CNA Financial in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

The official record: CNA Financial’s 10-K, filed February 10, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is CNA Financial's commercial auto — year 5?
CNA Financial (CNA) reported commercial auto — year 5 of 10.7% in Q4 2025.
How has CNA Financial's commercial auto — year 5 changed year-over-year?
CNA Financial's commercial auto — year 5 increased by 1.9% year-over-year, from 10.5% to 10.7%.
What does commercial auto — year 5 mean?
The cumulative net claim development for the Commercial Auto segment for the fifth historical accident year.
How do you interpret commercial auto — year 5?
An increase suggests adverse development or under-reserving, while a decrease suggests favorable development or redundant reserves.
How does commercial auto — year 5 compare across companies?
Standard industry practice for P&C insurers to report loss development triangles; peers typically show similar patterns of reserve maturation.