What is CNA Financial's surety — year 10?

CNA Financial (CNA) reported surety — year 10 of 0% in Q4 2025.

What does surety — year 10 mean?

The total net claims costs for Surety insurance policies after ten years of development.

How do you interpret surety — year 10?

A decrease indicates that the segment has successfully managed its long-term liability exposure.

How does surety — year 10 compare across companies?

Standard actuarial reporting for mature insurance segments.

CNA Financial CNA Surety — Year 10

Similar metrics at other companies

HIGSurety Product Line — 10th Year

-4.9%-5.2pp

LTR

LTRSurety — Short-duration Insurance Contracts, Historical Claims Duration, Year Ten

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LTR

LTRSurety — Shortduration Insurance Contracts Historical Claims Duration Year Ten

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LTR

LTRSurety — Short-duration Insurance Contracts, Historical Claims Duration, Year Nine

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LTR

LTRSurety — Shortduration Insurance Contracts Net Historical Claim Duration Year Eight

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LTRSurety — Shortduration Insurance Contracts Net Historical Claim Duration Year Seven

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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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTen.

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 — year 10?: CNA Financial (CNA) reported surety — year 10 of 0% in Q4 2025.
What does surety — year 10 mean?: The total net claims costs for Surety insurance policies after ten years of development.
How do you interpret surety — year 10?: A decrease indicates that the segment has successfully managed its long-term liability exposure.
How does surety — year 10 compare across companies?: Standard actuarial reporting for mature insurance segments.