What is CNA Financial's international — year 4?

CNA Financial (CNA) reported international — year 4 of 6.8% in Q4 2025.

What does international — year 4 mean?

The claims experience for the international segment four years after the accident year.

How do you interpret international — year 4?

Stable development at this stage suggests that the majority of claims have been settled and the remaining reserves are well-estimated.

How does international — year 4 compare across companies?

Standard 'Age 4' development factor in actuarial loss triangles.

CNA Financial CNA International — Year 4

Similar metrics at other companies

EGInternational — Short Duration Insurance Contracts Historical Claims Duration Year Four

2.1%-0.2pp

EGInternational — Short Duration Insurance Contracts Historical Claims Duration Year Five

1.8%-0.3pp

ACGLMulti-line and other specialty — Year Four

8.5%0.0pp

EGInternational — Short Duration Insurance Contracts Historical Claims Duration Year Three

3.7%+0.2pp

EGInternational — Shortduration Insurance Contracts Historical Claims Duration Year Four

8.8%+0.7pp

CBOverseas General Insurance - Non-Casualty — Short-duration Insurance Contracts, Historical Claims Duration, Year Four

4%0.0pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

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 — year 4?: CNA Financial (CNA) reported international — year 4 of 6.8% in Q4 2025.
What does international — year 4 mean?: The claims experience for the international segment four years after the accident year.
How do you interpret international — year 4?: Stable development at this stage suggests that the majority of claims have been settled and the remaining reserves are well-estimated.
How does international — year 4 compare across companies?: Standard 'Age 4' development factor in actuarial loss triangles.