CNA Financial (FRA:CNH) Moat Score: 6/10 (As of Jul. 02, 2026)


FRA:CNH CNA Financial Corp FRA:CNH
63 GF Score
Price €42.22
GF Value €42.40
Valuation Fairly Valued
! 2 Warning Signs
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What is CNA Financial Moat Score?

CNA Financial FRA:CNH -0.85% 63 Moat Score is 6 as of Jul. 02, 2026. GuruFocus rates FRA:CNH with a GF Score™ of 63/100 and a GF Value™ of €42.40 (Fairly Valued). The stock has 2 warning signs investors should review. Among 600 Insurance companies, CNA Financial ranks better than 95% on this metric.

CNA Financial has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

CNA Financial has Narrow Moat: CNA Financial Corp has a strong narrow moat with a solid market position in the insurance industry, benefiting from brand strength and regulatory barriers. Its pricing power and customer loyalty are notable, but it lacks the extensive network effects or cost advantages to qualify for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes CNA Financial might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

CNA Financial  (FRA:CNH) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

CNA Financial Moat Score Related Terms

FRA:CNH vs AIZ, AFG, ORI: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, CNA Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, CNA Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where CNA Financial's Moat Score falls into.


FRA:CNH
63GF Score
CNA Financial Corp FRA:CNH
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
CNA Financial (FRA:CNH) has a Moat Score of 6 as of Jul. 02, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, CNA Financial ranks #30 out of 600 companies in the Insurance industry, placing it in the top 5%.
Is CNA Financial's Moat Score too high?
CNA Financial's current Moat Score is 6. Based on the distribution chart, CNA Financial ranks #30 out of 600 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, CNA Financial has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does CNA Financial's Moat Score compare to AIZ and AFG?
According to the Insurance industry distribution chart, CNA Financial ranks #30 out of 600 companies for Moat Score. This places CNA Financial in the top 5% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. CNA Financial's current Moat Score is 6. 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 €42.40, compared to a current price of €42.22 — trading 0.4% below its estimated fair value. The current Moat Score is 6. CNA Financial's overall GF Score™ is 63/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For CNA Financial (FRA:CNH), the current Moat Score is 6 as of Jul. 02, 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 undervalued. The current stock price of €42.22 is trading 0.4% below its estimated GF Value™ of €42.40. GuruFocus considers CNA Financial to be Fairly Valued.

Key valuation signals for FRA:CNH:

  • Moat Score: 6
  • GF Value™: €42.40 vs. price of €42.22 (0.4% below fair value)
  • GF Score™: 63/100 with 2 warning signs

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 Business Description

Other Exchanges CNA:USACNH:Germany
Address 151 N. Franklin, Chicago, IL, USA, 60606
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.
63GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€42.22
Price
€42.40
GF Value