Market Price

44.53 

0.70 1.6%

as of Feb 15 '19

52 Week Range:

41.49 54.70


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

CNA Financial Corporation provides commercial property and casualty insurance products primarily in the United States. It operates through Specialty, Commercial, International, Life & Group, and Corporate & Other segments. The company's property insurance products include property, marine, boiler, and machinery coverages; and casualty insurance products comprise workers compensation, general and product liability, commercial auto, and umbrella coverages. It also offers management and professional liability insurance and risk management services, and other specialized property and casualty coverages to various professional firms, including architects, real estate agents, and accounting and law firms; surety and fidelity bonds, and warranty and alternative risks products; directors and officers, employment practices, fiduciary and fidelity coverages to small and mid-size firms, public and private firms, and not-for-profit organizations; and professional and general liability, as well as associated standard property and casualty coverages for healthcare industry. In addition, the company offers long-tail exposures, including commercial automobile liability, workers' compensation, general and medical professional liability, other professional and management liability, and assumed reinsurance run-off and products liability; and short-tail exposures comprising property, commercial automobile physical damage, marine, surety, and warranty. CNA Financial Corporation markets its products through independent agents, brokers, and general underwriters to customers, including small, medium, and large businesses; insurance companies; associations; professionals; and other groups. It serves marine, property, financial services, healthcare, technology, oil and gas, construction, manufacturing, and life science industries. The company was founded in 1853 and is headquartered in Chicago, Illinois.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 20.87
35.91
40.70
43.85
45.71
45.06
48.28
45.38
45.08
44.87
42.40
growth rate 72.1% 13.3% 7.7% 4.2% -1.4% 7.2% -6.0% -0.7% -0.5% -5.5%
Earnings BIT -562.00
540.00
1,110.00
877.00
872.00
1,310.00
1,304.00
704.00
1,296.00
1,471.00
1,102.00
growth rate 100.0% 105.6% -21.0% -0.6% 50.2% -0.5% -46.0% 84.1% 13.5% -25.1%
Avg.PE -20.40
21.60
11.48
11.74
12.03
12.36
16.39
15.94
13.12
15.29
growth rate 100.0% -46.9% 2.3% 2.5% 2.7% 32.6% -2.8% -17.7% 16.5%
ROA -0.55
0.56
1.11
1.11
1.10
1.62
1.23
0.87
1.56
1.61
1.43
growth rate 100.0% 98.2% 0.0% -0.9% 47.3% -24.1% -29.3% 79.3% 3.2% -11.2%
ROE -3.78
3.88
5.96
5.46
5.26
7.51
5.43
3.90
7.24
7.43
6.93
growth rate 100.0% 53.6% -8.4% -3.7% 42.8% -27.7% -28.2% 85.6% 2.6% -6.7%
ROIC -2.12
4.18
5.58
5.33
5.17
7.01
5.40
growth rate 100.0% 33.5% -4.5% -3.0% 35.6% -23.0%
Leverage 9.12
5.72
5.05
4.77
4.75
4.52
4.34
4.68
4.61
4.62
5.10
growth rate -37.3% -11.7% -5.5% -0.4% -4.8% -4.0% 7.8% -1.5% 0.2% 10.4%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 7,615.00
8,040.00
7,996.00
1,936.00
2,078.00
2,209.00
2,292.00
2,331.00
growth rate 5.6% -0.6% -75.8% 7.3% 6.3% 3.8% 1.7%
Acct.Payable 23,271.00
22,663.00
22,343.00
22,004.00
21,984.00
growth rate -2.6% -1.4% -1.5% -0.1%
Cur.Assets 8,950.00
8,985.00
8,720.00
8,758.00
8,748.00
growth rate 0.4% -3.0% 0.4% -0.1%
Total Assets 51,688.00
55,298.00
55,331.00
55,110.00
58,522.00
57,194.00
55,566.00
55,045.00
55,233.00
56,567.00
57,152.00
growth rate 7.0% 0.1% -0.4% 6.2% -2.3% -2.9% -0.9% 0.3% 2.4% 1.0%
Cash 85.00
140.00
77.00
75.00
156.00
195.00
190.00
387.00
271.00
355.00
310.00
growth rate 64.7% -45.0% -2.6% 108.0% 25.0% -2.6% 103.7% -30.0% 31.0% -12.7%
Cur.Liabilities 27,019.00
26,761.00
26,153.00
26,329.00
26,186.00
growth rate -1.0% -2.3% 0.7% -0.5%
Liabilities 44,811.00
44,638.00
44,377.00
43,622.00
46,208.00
44,543.00
42,772.00
43,289.00
43,264.00
44,323.00
45,935.00
growth rate -0.4% -0.6% -1.7% 5.9% -3.6% -4.0% 1.2% -0.1% 2.5% 3.6%
LT Debt 2,058.00
2,303.00
2,251.00
2,608.00
2,570.00
2,560.00
2,559.00
2,210.00
2,710.00
2,708.00
2,680.00
growth rate 11.9% -2.3% 15.9% -1.5% -0.4% 0.0% -13.6% 22.6% -0.1% -1.0%
Equity 6,877.00
10,660.00
10,954.00
11,488.00
12,314.00
12,651.00
12,794.00
11,756.00
11,969.00
12,244.00
11,217.00
growth rate 55.0% 2.8% 4.9% 7.2% 2.7% 1.1% -8.1% 1.8% 2.3% -8.4%
Common Shares 269.00
269.00
270.00
270.00
270.00
270.00
271.00
270.00
271.00
272.00
273.00
growth rate 0.0% 0.4% 0.0% 0.0% 0.0% 0.4% -0.4% 0.4% 0.4% 0.4%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 104.00
63.00
-13.00
84.00
94.00
91.00
71.00
125.00
146.00
102.00
99.00
growth rate -39.4% -100.0% 100.0% 11.9% -3.2% -22.0% 76.1% 16.8% -30.1% -2.9%
Cash Dividends 141.00
122.00
76.00
108.00
162.00
216.00
270.50
811.00
813.00
842.00
352.97
growth rate -13.5% -37.7% 42.1% 50.0% 33.3% 25.2% 199.8% 0.3% 3.6% -58.1%
Cash From OA 1,558.00
1,258.00
-89.00
1,702.00
1,250.00
1,204.00
1,440.00
1,387.00
1,416.00
1,254.00
1,227.00
growth rate -19.3% -100.0% 100.0% -26.6% -3.7% 19.6% -3.7% 2.1% -11.4% -2.2%
FCF per Share 5.40
4.44
-0.53
4.88
4.28
3.99
4.67
4.90
4.89
3.89
4.11
growth rate -17.8% -100.0% 100.0% -12.3% -6.8% 17.0% 4.9% -0.2% -20.5% 5.7%
Sale Purchase of Stock -473.00
1.00
2.00
growth rate 100.0% 100.0%
FCF 1,454.00
1,195.00
-142.00
1,618.00
1,156.00
1,113.00
1,369.00
1,262.00
1,270.00
1,152.00
1,128.00
growth rate -17.8% -100.0% 100.0% -28.6% -3.7% 23.0% -7.8% 0.6% -9.3% -2.1%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 7,799.00
8,472.00
9,209.00
8,949.00
9,364.00
9,932.00
9,692.00
9,101.00
9,366.00
9,542.00
10,134.00
growth rate 8.6% 8.7% -2.8% 4.6% 6.1% -2.4% -6.1% 2.9% 1.9% 6.2%
Op.Income -562.00
540.00
1,112.00
629.00
620.00
915.00
1,304.00
704.00
1,296.00
1,471.00
1,102.00
growth rate 100.0% 105.9% -43.4% -1.4% 47.6% 42.5% -46.0% 84.1% 13.5% -25.1%
IBT -562.00
540.00
1,112.00
871.00
859.00
1,276.00
1,207.00
549.00
1,137.00
1,310.00
964.00
growth rate 100.0% 105.9% -21.7% -1.4% 48.5% -5.4% -54.5% 107.1% 15.2% -26.4%
Net Income -299.00
419.00
690.00
629.00
620.00
915.00
691.00
479.00
859.00
899.00
813.00
growth rate 100.0% 64.7% -8.8% -1.4% 47.6% -24.5% -30.7% 79.3% 4.7% -9.6%
EPS -1.18
1.10
2.28
2.27
2.33
3.47
2.55
1.77
3.17
3.30
2.98
growth rate 100.0% 107.3% -0.4% 2.6% 48.9% -26.5% -30.6% 79.1% 4.1% -9.7%
Gross Profit 609.00
1,765.00
3,056.00
3,460.00
3,635.00
4,126.00
2,784.00
2,177.00
2,848.00
2,999.00
3,227.00
growth rate 189.8% 73.1% 13.2% 5.1% 13.5% -32.5% -21.8% 30.8% 5.3% 7.6%

Quarterly Statements

Item Name Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Earnings BIT 447.00
381.00
365.00
436.00
-80.00
growth rate -14.8% -4.2% 19.5% -100.0%
Balance Sheet Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Acct.Receivable 2,292.00
2,371.00
2,598.00
2,354.00
2,331.00
growth rate 3.5% 9.6% -9.4% -1.0%
Acct.Payable 22,004.00
22,067.00
21,990.00
21,604.00
21,984.00
growth rate 0.3% -0.4% -1.8% 1.8%
Cur.Assets 8,758.00
8,712.00
9,142.00
8,585.00
8,748.00
growth rate -0.5% 4.9% -6.1% 1.9%
Total Assets 56,567.00
57,649.00
57,858.00
57,259.00
57,152.00
growth rate 1.9% 0.4% -1.0% -0.2%
Cash 355.00
282.00
288.00
310.00
310.00
growth rate -20.6% 2.1% 7.6% 0.0%
Inventory
growth rate
Cur.Liabilities 26,329.00
26,352.00
26,919.00
26,203.00
26,186.00
growth rate 0.1% 2.2% -2.7% -0.1%
Liabilities 44,323.00
46,224.00
46,443.00
45,749.00
45,935.00
growth rate 4.3% 0.5% -1.5% 0.4%
LT Debt 2,708.00
2,679.00
2,679.00
2,680.00
2,680.00
growth rate -1.1% 0.0% 0.0% 0.0%
Equity 12,244.00
11,425.00
11,415.00
11,510.00
11,217.00
growth rate -6.7% -0.1% 0.8% -2.6%
Common Shares 683.00
683.00
683.00
683.00
683.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Capital Expenditures 22.00
38.00
38.00
11.00
12.00
growth rate 72.7% 0.0% -71.1% 9.1%
Cash Dividends 81.34
81.39
81.53
95.03
95.02
growth rate 0.1% 0.2% 16.6% 0.0%
Cash From OA 360.00
218.00
136.00
514.00
359.00
growth rate -39.4% -37.6% 277.9% -30.2%
Sale Purchase of Stock
growth rate
FCF 338.00
180.00
98.00
503.00
347.00
growth rate -46.8% -45.6% 413.3% -31.0%
Income Statement Dec '17 Mar '18 Jun '18 Sep '18 Dec '18
Sales 2,448.00
2,535.00
2,574.00
2,622.00
2,403.00
growth rate 3.6% 1.5% 1.9% -8.4%
Op.Income 447.00
381.00
365.00
436.00
-80.00
growth rate -14.8% -4.2% 19.5% -100.0%
IBT 410.00
346.00
330.00
402.00
-114.00
growth rate -15.6% -4.6% 21.8% -100.0%
Net Income 223.00
291.00
270.00
336.00
-84.00
growth rate 30.5% -7.2% 24.4% -100.0%
EPS
growth rate
Gross Profit 884.00
900.00
888.00
973.00
466.00
growth rate 1.8% -1.3% 9.6% -52.1%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (6.49)

YOY Growth Grade:

F (7.63)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 14.94 14.94 10.76
EPS / Growth -2.2% 2.98 5.9%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 1.0% 1.0%
Future PE 2.00 9.23 9.23
Future EPS 3.29 3.29 3.29
Value Price
MOS %
1.63
-96.3%
7.51
-83.1%
7.51
-83.1%
MOS Price 0.81 3.76 3.76
IRT 13.87 13.87 13.87

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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