CNA FinancialFRA:CNH +0.15%63 ROE % is 7.56% as of Mar. 2026, which is 5% below its 10-year median of 7.99. GuruFocus rates FRA:CNH with a GF Score™ of 63/100 and a GF Value™ of €43.40 (Fairly Valued). The stock has 2 warning signs investors should review. Among 502 Insurance companies, CNA Financial ranks worse than 52.99% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. CNA Financial's annualized net income for the quarter that ended in Mar. 2026 was €730 Mil. CNA Financial's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was €9,658 Mil. Therefore, CNA Financial's annualized ROE % for the quarter that ended in Mar. 2026 was 7.56%.
The historical rank and industry rank for CNA Financial's ROE % or its related term are showing as below:
FRA:CNH'
s ROE % Range Over the Past 10 Years
Min: 5.54 Med: 7.99 Max: 13.07
Current: 11.1
During the past 13 years, CNA Financial's highest ROE % was 13.07%. The lowest was 5.54%. And the median was 7.99%.
FRA:CNH's ROE % is ranked worse than 52.99% of 502
companies
in the Insurance industry
Industry Median: 11.73
vs FRA:CNH: 11.10
CNA Financial (FRA:CNH) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
CNA Financial ROE % Related Terms
CNA Financial ROE % Historical Data
* Premium members only.
The historical data trend for CNA Financial's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, CNA Financial's ROE % distribution charts can be found below:
* The bar in red indicates where CNA Financial's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
CNA Financial (FRA:CNH) has a ROE % of 7.56% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on CNA Financial and its competitors. This is near median its historical median of 7.99. Over the past decade, CNA Financial's ROE % has ranged from 5.54 to 13.07. According to the industry distribution chart, CNA Financial ranks #266 out of 502 companies in the Insurance industry, placing it in the top 53%.
Is CNA Financial's ROE % too high?
CNA Financial's current ROE % of 7.56% is near median its 10-year median of 7.99. Over the past 10 years, this metric has ranged from a low of 5.54 to a high of 13.07. The Insurance industry median ROE % is 11.73. CNA Financial's value of 7.56% is 35.5% below this industry median. Based on the distribution chart, CNA Financial ranks #266 out of 502 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 ROE % compare to AFG and AIZ?
According to the Insurance industry distribution chart, CNA Financial ranks #266 out of 502 companies for ROE %. This places CNA Financial in the lower half of its industry. The industry median ROE % is 11.73. CNA Financial's value of 7.56% is 35.5% below this benchmark. Historically, CNA Financial's own ROE % has ranged from 5.54 to 13.07 over the past decade. While the company's 10-year median is 7.99 vs. the industry median of 11.73, 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.73, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNA Financial's current ROE % of 7.56% is 35.5% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on CNA Financial and its competitors. For the Insurance industry, the median ROE % is 11.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNA Financial's current ROE % is 7.56%, which is near median its own 10-year median of 7.99. 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 €43.40, compared to a current price of €40.92 — trading 5.7% below its estimated fair value. The current ROE % is 7.56%, which is near median its 10-year median of 7.99 and 35.5% below the Insurance industry median of 11.73. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For CNA Financial (FRA:CNH), the current ROE % is 7.56% 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 5.7% below its estimated GF Value™ of €43.40.
GuruFocus considers CNA Financial to be Fairly Valued.
Key valuation signals for FRA:CNH:
ROE %: 7.56% (near median its 10-year median of 7.99)
GF Value™: €43.40 vs. price of €40.92 (5.7% below fair value)
Industry Position: 35.5% below the Insurance median (#266 of 502)
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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