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CNA Financial CNA General Liability — Year 7

Other product segments

Surety
-0.9%+60.9%

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

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearSeven.

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 7?
CNA Financial (CNA) reported general liability — year 7 of 8.4% in Q4 2025.
How has CNA Financial's general liability — year 7 changed year-over-year?
CNA Financial's general liability — year 7 increased by 18.3% year-over-year, from 7.1% to 8.4%.
What does general liability — year 7 mean?
The total estimated cost of insurance claims for a specific historical year within the General Liability segment.
How do you interpret general liability — year 7?
An increase suggests adverse development or higher-than-expected loss severity, while a decrease indicates favorable reserve releases.
How does general liability — year 7 compare across companies?
Standard industry practice for property and casualty insurers to report accident year loss development.