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CNA Financial CNA General Liability — Year 2

Other product segments

Surety
36.2%-11.7%

Similar metrics at other companies

The Hartford Financial Services Group logo
HIGGeneral Liability — 2nd Year
8.3%+0.5pp
Arch Capital Group logo
ACGLMulti-line and other specialty — Year Two
29%-0.2pp
The Travelers Companies logo
TRVGeneral liability — Short-duration Insurance Contracts, Historical Claims Duration, Year Two
32.1%-0.2pp
Everest Group logo
EGProperty, Liability and Casualty Insurance Product Line — Year two
21%-2.5pp
The Hartford Financial Services Group logo
HIGProperty Insurance — 2nd Year
58.1%0.0pp
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ACGLProperty catastrophe — Year Two
110.1%-58.3pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

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 2?
CNA Financial (CNA) reported general liability — year 2 of 12.1% in Q4 2025.
How has CNA Financial's general liability — year 2 changed year-over-year?
CNA Financial's general liability — year 2 decreased by 3.2% year-over-year, from 12.5% to 12.1%.
What does general liability — year 2 mean?
The claim development data for the second year after the insurance policy was issued.
How do you interpret general liability — year 2?
Stability in year-over-year development indicates predictable loss patterns and effective underwriting.
How does general liability — year 2 compare across companies?
Standard 'Age 2' or 'Development Year 2' data point in actuarial loss triangles across the insurance industry.