What is CNA Financial's excluding hardy — IBNR?

CNA Financial (CNA) reported excluding hardy — IBNR of 117,000,000,000% in Q4 2024.

What does excluding hardy — IBNR mean?

The estimated cost of claims that have happened but have not yet been reported to the company.

How do you interpret excluding hardy — IBNR?

Significant changes in IBNR may signal shifts in actuarial assumptions or unexpected changes in claim reporting patterns.

How does excluding hardy — IBNR compare across companies?

Standard actuarial reserve component; all P&C insurers report IBNR as part of their loss reserves.

CNA Financial CNA Excluding Hardy — IBNR

Discontinued — last reported Q4 '24

Other product segments

Surety

45,600,000,000%+6.8%

Similar metrics at other companies

RNRProperty — IBNR

$2.04B-44.9%

HIGProperty Insurance — IBNR Reserves

27,100,000,000%-5,100,000,000pp

HIGPersonal automobile physical damage — IBNR Reserves

$10M-64.3%

RNRCorporate Non — Liability For Unpaid Claims And Claims Adjustment Expense Incurred But Not Reported IBNR Claims Amount

$4.5M-69.9%

HIGGeneral Liability — IBNR Reserves

$1.63B+19.0%

LTR

LTRSurety — IBNR

——

Other financials

Income statement

See full

Revenue$3.7B+1.4%

Net income$211.0M-23.0%

EPS (diluted)$0.78-22.0%

Balance sheet

See full

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

See full

Operating cash flow$393.0M-38.4%

CapEx$13.0M-27.8%

Free cash flow$380.0M-38.7%

Valuation

See full

Market cap$12.04B-9.7%

Enterprise value$14.49B-8.4%

P/E9.9×-5.0×

P/S0.8×-0.1×

Profitability

See full

Net margin8.1%+1.9pp

FCF margin14.4%-3.7pp

Returns & leverage

See full

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:ShortdurationInsuranceContractsIncurredButNotReportedIbnrClaimsLiabilityNet.

The official record: CNA Financial’s 10-K, filed February 11, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is CNA Financial's excluding hardy — IBNR?: CNA Financial (CNA) reported excluding hardy — IBNR of 117,000,000,000% in Q4 2024.
What does excluding hardy — IBNR mean?: The estimated cost of claims that have happened but have not yet been reported to the company.
How do you interpret excluding hardy — IBNR?: Significant changes in IBNR may signal shifts in actuarial assumptions or unexpected changes in claim reporting patterns.
How does excluding hardy — IBNR compare across companies?: Standard actuarial reserve component; all P&C insurers report IBNR as part of their loss reserves.