What is CNA Financial's general liability — year 10?

CNA Financial (CNA) reported general liability — year 10 of 4% in Q4 2025.

How has CNA Financial's general liability — year 10 changed year-over-year?

CNA Financial's general liability — year 10 increased by 233.3% year-over-year, from 1.2% to 4%.

What does general liability — year 10 mean?

The long-term net cost of claims for a specific historical year in the General Liability segment.

How do you interpret general liability — year 10?

Stability in this metric suggests effective long-term reserving and predictable claims management.

How does general liability — year 10 compare across companies?

Comparable to long-tail liability development metrics used by major commercial insurers.

CNA Financial CNA General Liability — Year 10

Other product segments

Surety

0%—

Similar metrics at other companies

HIGGeneral Liability — 10th Year

3.7%+3.1pp

HIGGeneral Liability — 9th Year

6.2%+2.5pp

TRVGeneral liability — Short-duration Insurance Contracts, Historical Claims Duration, Year Ten

3.8%+0.1pp

LTR

LTRCna Financial Corporation — Net Prior Year Claim And Allocated Claim Adjustment General Liability

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LTR

LTRGeneral Liability — Shortduration Insurance Contracts Historical Claims Duration Year Ten

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LTR

LTRGeneral liability — Short-duration Insurance Contracts, Historical Claims Duration, Year Ten

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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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTen.

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 general liability — year 10?: CNA Financial (CNA) reported general liability — year 10 of 4% in Q4 2025.
How has CNA Financial's general liability — year 10 changed year-over-year?: CNA Financial's general liability — year 10 increased by 233.3% year-over-year, from 1.2% to 4%.
What does general liability — year 10 mean?: The long-term net cost of claims for a specific historical year in the General Liability segment.
How do you interpret general liability — year 10?: Stability in this metric suggests effective long-term reserving and predictable claims management.
How does general liability — year 10 compare across companies?: Comparable to long-tail liability development metrics used by major commercial insurers.