CNA FinancialFRA:CNH +0.15%63 Net Margin % is 5.83% as of Mar. 2026, which is 35% below its 10-year median of 8.94. GuruFocus rates FRA:CNH with a GF Score™ of 63/100 and a GF Value™ of €43.33 (Fairly Valued). The stock has 2 warning signs investors should review. Among 501 Insurance companies, CNA Financial ranks worse than 54.89% on this metric.
Net margin is calculated as Net Income divided by its Revenue. CNA Financial's Net Income for the
three
months ended in Mar. 2026 was €183 Mil. CNA Financial's Revenue for the
three
months ended in Mar. 2026 was €3,133 Mil. Therefore, CNA Financial's net margin for the quarter that ended in Mar. 2026 was 5.83%.
The historical rank and industry rank for CNA Financial's Net Margin % or its related term are showing as below:
FRA:CNH'
s Net Margin % Range Over the Past 10 Years
Min: 5.74 Med: 8.94 Max: 10.25
Current: 8.23
FRA:CNH's Net Margin % is ranked worse than 54.89% of 501
companies
in the Insurance industry
Industry Median: 9.29
vs FRA:CNH: 8.23
CNA Financial (FRA:CNH) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
CNA Financial Net Margin % Related Terms
CNA Financial Net Margin % Historical Data
* Premium members only.
The historical data trend for CNA Financial's Net Margin % 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.
For the Insurance - Property & Casualty subindustry, CNA Financial's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, CNA Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where CNA Financial's Net Margin % 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 Net Margin % of 5.83% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on CNA Financial and its competitors. This is 35% below median its historical median of 8.94. Over the past decade, CNA Financial's Net Margin % has ranged from 5.74 to 10.25. According to the industry distribution chart, CNA Financial ranks #275 out of 501 companies in the Insurance industry, placing it in the top 54.9%.
Is CNA Financial's Net Margin % too high?
CNA Financial's current Net Margin % of 5.83% is 35% below median its 10-year median of 8.94. Over the past 10 years, this metric has ranged from a low of 5.74 to a high of 10.25. The Insurance industry median Net Margin % is 9.29. CNA Financial's value of 5.83% is 37.2% below this industry median. Based on the distribution chart, CNA Financial ranks #275 out of 501 companies in the Insurance industry, which is below the industry midpoint. 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 Net Margin % compare to AFG and AIZ?
According to the Insurance industry distribution chart, CNA Financial ranks #275 out of 501 companies for Net Margin %. This places CNA Financial in the lower half of its industry. The industry median Net Margin % is 9.29. CNA Financial's value of 5.83% is 37.2% below this benchmark. Historically, CNA Financial's own Net Margin % has ranged from 5.74 to 10.25 over the past decade. While the company's 10-year median is 8.94 vs. the industry median of 9.29, CNA Financial has consistently been below 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNA Financial's current Net Margin % of 5.83% is 37.2% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on CNA Financial and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNA Financial's current Net Margin % is 5.83%, which is 35% below median its own 10-year median of 8.94. 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 €43.33, compared to a current price of €40.92 — trading 5.6% below its estimated fair value. The current Net Margin % is 5.83%, which is 35% below median its 10-year median of 8.94 and 37.2% below the Insurance industry median of 9.29. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For CNA Financial (FRA:CNH), the current Net Margin % is 5.83% as of Mar. 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 €40.92 is trading 5.6% below its estimated GF Value™ of €43.33.
GuruFocus considers CNA Financial to be Fairly Valued.
Key valuation signals for FRA:CNH:
Net Margin %: 5.83% (35% below median its 10-year median of 8.94)
GF Value™: €43.33 vs. price of €40.92 (5.6% below fair value)
Industry Position: 37.2% below the Insurance median (#275 of 501)
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.
63GF Score
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