Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
CNA Financial's 3-Year RORE % for the quarter that ended in Mar. 2026 was -6.24%.
The industry rank for CNA Financial's 3-Year RORE % or its related term are showing as below:
FRA:CNH's 3-Year RORE % is ranked worse than 66.88% of 471
companies
in the Insurance industry
Industry Median: 12.03
vs FRA:CNH: -6.24
CNA Financial (FRA:CNH) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
CNA Financial 3-Year RORE % Related Terms
CNA Financial 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for CNA Financial's 3-Year RORE % 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: 3-Year RORE % Comparison
For the Insurance - Property & Casualty subindustry, CNA Financial's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, CNA Financial's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where CNA Financial's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
CNA Financial (FRA:CNH) has a 3-Year RORE % of -6.24 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on CNA Financial and its competitors. According to the industry distribution chart, CNA Financial ranks #315 out of 471 companies in the Insurance industry, placing it in the top 66.9%.
Is CNA Financial's 3-Year RORE % too high?
CNA Financial's current 3-Year RORE % is -6.24. Based on the distribution chart, CNA Financial ranks #315 out of 471 companies in the Insurance industry, which is below the industry midpoint. Overall, CNA Financial has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does CNA Financial's 3-Year RORE % compare to AIZ and AFG?
According to the Insurance industry distribution chart, CNA Financial ranks #315 out of 471 companies for 3-Year RORE %. This places CNA Financial in the lower half of its industry. The industry median 3-Year RORE % is 12.03. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for an Insurance company?
The median 3-Year RORE % among Insurance companies is 12.03, based on 471 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on CNA Financial and its competitors. For the Insurance industry, the median 3-Year RORE % is 12.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNA Financial's current 3-Year RORE % is -6.24. 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 €43.61, compared to a current price of €44.94 — trading 3% above its estimated fair value. The current 3-Year RORE % is -6.24. CNA Financial's overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For CNA Financial (FRA:CNH), the current 3-Year RORE % is -6.24 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 overvalued.
The current stock price of €44.94 is trading 3% above its estimated GF Value™ of €43.61.
GuruFocus considers CNA Financial to be Fairly Valued.
Key valuation signals for FRA:CNH:
3-Year RORE %: -6.24
GF Value™: €43.61 vs. price of €44.94 (3% above fair value)
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.
59GF Score
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