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CNA FinancialFRA:CNH +1.73%70 Debt-to-Equity is 0.27 as of Jun. 2026, which is 13% above its 10-year median of 0.24. GuruFocus rates FRA:CNH with a GF Score™ of 70/100 and a GF Value™ of €42.17 (Fairly Valued). The stock has 5 warning signs investors should review. Among 404 Insurance companies, CNA Financial ranks worse than 59.9% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for CNA Financial's Debt-to-Equity or its related term are showing as below:
FRA:CNH'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.22 Med: 0.24 Max: 0.38
Current: 0.27
During the past 13 years, the highest Debt-to-Equity Ratio of CNA Financial was 0.38. The lowest was 0.22. And the median was 0.24.
FRA:CNH's Debt-to-Equity is ranked worse than 59.9% of 404
companies
in the Insurance industry
Industry Median: 0.2
vs FRA:CNH: 0.27
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
CNA Financial Debt-to-Equity Related Terms
CNA Financial Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for CNA Financial's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:CNH vs AIZ, AFG, ORI: Debt-to-Equity Comparison
For the Insurance - Property & Casualty subindustry, CNA Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
CNA Financial Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, CNA Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where CNA Financial's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CNA Financial (FRA:CNH) has a Debt-to-Equity of 0.27 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on CNA Financial and its competitors. This is 13% above median its historical median of 0.24. Over the past decade, CNA Financial's Debt-to-Equity has ranged from 0.22 to 0.38. According to the industry distribution chart, CNA Financial ranks #242 out of 404 companies in the Insurance industry, placing it in the top 59.9%.
Is CNA Financial's Debt-to-Equity too high?
CNA Financial's current Debt-to-Equity of 0.27 is 13% above median its 10-year median of 0.24. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 0.38. The Insurance industry median Debt-to-Equity is 0.20. CNA Financial's value of 0.27 is 35% above this industry median. Based on the distribution chart, CNA Financial ranks #242 out of 404 companies in the Insurance industry, which is below the industry midpoint. Overall, CNA Financial has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does CNA Financial's Debt-to-Equity compare to AIZ and AFG?
According to the Insurance industry distribution chart, CNA Financial ranks #242 out of 404 companies for Debt-to-Equity. This places CNA Financial in the lower half of its industry. The industry median Debt-to-Equity is 0.20. CNA Financial's value of 0.27 is 35% above this benchmark. Historically, CNA Financial's own Debt-to-Equity has ranged from 0.22 to 0.38 over the past decade. While the company's 10-year median is 0.24 vs. the industry median of 0.20, CNA Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.20, based on 404 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNA Financial's current Debt-to-Equity of 0.27 is 35% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on CNA Financial and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNA Financial's current Debt-to-Equity is 0.27, which is 13% above median its own 10-year median of 0.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CNA Financial stock overvalued right now?
Based on GuruFocus' analysis, CNA Financial (FRA:CNH) is currently considered Fairly Valued. The stock's GF Value™ is €42.17, compared to a current price of €45.82 — trading 8.7% above its estimated fair value. The current Debt-to-Equity is 0.27, which is 13% above median its 10-year median of 0.24 and 35% above the Insurance industry median of 0.20. CNA Financial's overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For CNA Financial (FRA:CNH), the current Debt-to-Equity is 0.27 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is CNA Financial (FRA:CNH) Overvalued in 2026?
Based on GuruFocus' analysis, CNA Financial stock appears to be overvalued.
The current stock price of €45.82 is trading 8.7% above its estimated GF Value™ of €42.17.
GuruFocus considers CNA Financial to be Fairly Valued.
Key valuation signals for FRA:CNH:
Debt-to-Equity: 0.27 (13% above median its 10-year median of 0.24)
GF Value™: €42.17 vs. price of €45.82 (8.7% above fair value)
Industry Position: 35% above the Insurance median (#242 of 404)
No single metric tells the full story. See the FRA:CNH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CNA Financial Corporation (CNAF) is an insurance holding company that provides commercial property and casualty insurance. The company operates under five segments: Specialty, Commercial and International being its core business, and two segments for its non-core businesses, which are Life and Group and Corporate and Other. CNAF, through its segments, provides professional, financial, specialty property, and casualty products to small businesses and medium-scale organizations. It has its business spread across Continental Europe, United Kingdom, and Canada. The majority of the revenues are generated from the Specialty and Commercial segment of the business.
70GF Score
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