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CNA Financial CNA Commercial — Gross IBNR Reserves

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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:LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredButNotReportedIBNRClaimsAmount.

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 — gross IBNR reserves?
CNA Financial (CNA) reported commercial — gross IBNR reserves of $8.16B in Q4 2025.
How has CNA Financial's commercial — gross IBNR reserves changed year-over-year?
CNA Financial's commercial — gross IBNR reserves increased by 6.7% year-over-year, from $7.65B to $8.16B.
What does commercial — gross IBNR reserves mean?
The estimated value of claims that have occurred but have not yet been reported to the company.
How do you interpret commercial — gross IBNR reserves?
Significant changes in IBNR may indicate shifts in actuarial assumptions or changes in the expected emergence patterns of claims.
How does commercial — gross IBNR reserves compare across companies?
Standard actuarial metric for 'Incurred But Not Reported' reserves across the insurance sector.