What is CNA Financial's surety — IBNR?

CNA Financial (CNA) reported surety — IBNR of 45,600,000,000% in Q4 2025.

How has CNA Financial's surety — IBNR changed year-over-year?

CNA Financial's surety — IBNR increased by 6.8% year-over-year, from 42,700,000,000% to 45,600,000,000%.

What does surety — IBNR mean?

Estimated costs for claims that have happened but are not yet reported.

How do you interpret surety — IBNR?

Significant changes in IBNR may indicate shifts in actuarial assumptions or changes in the expected severity of future claims.

How does surety — IBNR compare across companies?

Standard actuarial reserve component across all insurance sectors.

CNA Financial CNA Surety — IBNR

Similar metrics at other companies

HIGGeneral Liability — IBNR Reserves

$1.63B+19.0%

HIGSurety Product Line — IBNR Reserves

$70M-10.3%

AIZShort Duration — Incurred But Not Reported Reserves

$1.57B-3.8%

RNRCasualty and Specialty — IBNR

$12.96B+9.0%

LTR

LTRSurety — IBNR

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LTR

LTRSurety — IBNR, Total

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Other financials

Income statement

See full

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 surety — IBNR?: CNA Financial (CNA) reported surety — IBNR of 45,600,000,000% in Q4 2025.
How has CNA Financial's surety — IBNR changed year-over-year?: CNA Financial's surety — IBNR increased by 6.8% year-over-year, from 42,700,000,000% to 45,600,000,000%.
What does surety — IBNR mean?: Estimated costs for claims that have happened but are not yet reported.
How do you interpret surety — IBNR?: Significant changes in IBNR may indicate shifts in actuarial assumptions or changes in the expected severity of future claims.
How does surety — IBNR compare across companies?: Standard actuarial reserve component across all insurance sectors.