What is CNA Financial's general liability — year 1?

CNA Financial (CNA) reported general liability — year 1 of 3.4% in Q4 2025.

How has CNA Financial's general liability — year 1 changed year-over-year?

CNA Financial's general liability — year 1 decreased by 0.0% year-over-year, from 3.4% to 3.4%.

What does general liability — year 1 mean?

This metric represents the development or claim activity for the most recent accident year within the General Liability segment. It provides an early look at the loss experience for the current underwriting cycle. This is the first point of data in the loss development triangle used to project ultimate claim costs.

CNA Financial (CNA) General Liability — Year 1

Screener

Other product segments

Surety

15.2%-12.1%

Similar metrics at other companies

ORIGeneral Liability — Year 1

4.4%-0.3pp

KGGeneral Liability — Year 1

5.9%—

UFCSCommercial other liability — Year 1

7.1%-0.5pp

KGCommercial Auto Liability — Year 1

11.9%—

KGEuropean Hospital Liability — Year 1

3.2%—

KMPRCommercial Automobile Insurance—Liability — Year 1

19.1%-2.4pp

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$14.16B+9.9%

Enterprise value$16.61B+7.3%

P/E11.7×-3.0×

P/S0.9×+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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.

The source filing: CNA Financial’s 10-K, filed February 10, 2026.

Filed: Feb 10, 2026, 8:11 AM EST
Fiscal year: FY2025
Accession: 0000021175-26-000011


Medical Professional Liability	3.6%	16.6%	21.4%	16.7%	13.2%	9.7%	6.1%	2.9%	1.8%	0.4%
Other Professional Liability and Management Liability	6.4%	19.5%	19.8%	15.0%	11.5%	7.3%	5.8%	4.7%	3.5%	0.7%
Surety (1)	15.2%	36.2%	12.9%	8.4%	6.3%	9.2%	(0.9)%	2.6%	—	—
Commercial
Commercial Auto	22.6%	22.5%	19.1%	15.2%	10.7%	5.5%	2.6%	0.9%	0.7%	—
General Liability	3.4%	12.1%	15.5%	16.6%	14.5%	9.8%	8.4%	5.4%	5.4%	4.0%
Workers' Compensation	17.6%	24.2%	14.5%	8.8%	5.8%	3.8%	2.3%	1.2%	0.8%	—
International	15.0%	22.6%	11.3%	6.8%	5.8%	6.5%	5.6%	2.6%	2.8%	1.3%

ITEM 8. FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is CNA Financial's general liability — year 1?: CNA Financial (CNA) reported general liability — year 1 of 3.4% in Q4 2025.
How has CNA Financial's general liability — year 1 changed year-over-year?: CNA Financial's general liability — year 1 decreased by 0.0% year-over-year, from 3.4% to 3.4%.
What does general liability — year 1 mean?: This metric represents the development or claim activity for the most recent accident year within the General Liability segment. It provides an early look at the loss experience for the current underwriting cycle. This is the first point of data in the loss development triangle used to project ultimate claim costs.