What is CNA Financial's international — IBNR?

CNA Financial (CNA) reported international — IBNR of $1.91B in Q4 2025.

What does international — IBNR mean?

The estimated cost for international claims that have occurred but have not yet been reported.

How do you interpret international — IBNR?

Significant increases in IBNR may signal emerging trends in claim frequency or delays in the reporting process.

How does international — IBNR compare across companies?

Standard actuarial reserve component used by all P&C insurance companies.

CNA Financial CNA International — IBNR

Similar metrics at other companies

EGInternational — Short Duration Insurance Contracts Incurred But Not Reported Ibnr Claims Liability Net

$322.17M+113%

RNRCasualty and Specialty — IBNR

$12.96B+9.0%

MKLInternational Insurance — Shortduration Insurance Contracts Incurred But Not Reported Ibnr Claims Liability Net

$427.82M+53.2%

CBOverseas General Insurance - Non-Casualty — Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net

$954M+12.6%

CBNorth America Commercial P&C Insurance - Other Casualty — Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net

$676M0.0%

CBNorth America Personal P&C Insurance — Short-duration Insurance Contracts, Incurred but Not Reported (IBNR) Claims Liability, Net

$2.11B+15.3%

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:ShortdurationInsuranceContractsIncurredButNotReportedIbnrClaimsLiabilityNet.

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 international — IBNR?: CNA Financial (CNA) reported international — IBNR of $1.91B in Q4 2025.
What does international — IBNR mean?: The estimated cost for international claims that have occurred but have not yet been reported.
How do you interpret international — IBNR?: Significant increases in IBNR may signal emerging trends in claim frequency or delays in the reporting process.
How does international — IBNR compare across companies?: Standard actuarial reserve component used by all P&C insurance companies.