NYSE$CNA

CNA Financial Corporation · Q2 2024 earnings

Q2 2024 earnings · · Investor relations

Briefing

CNA Financial reported second quarter net income and core income, with net income up 12% and core income up 6% compared to the prior year quarter.

CNA Financial Corporation announced strong second quarter results with net income of $317 million and core income of $326 million. The P&C segment saw increased core income driven by higher investment income, offsetting higher catastrophe losses. Gross written premiums ex. captives was up 7%, including continued strong growth in Commercial of 12%.

  • Net income increased by 12% to $317 million compared to the prior year quarter.
  • Core income rose by 6% to $326 million compared to the prior year quarter.
  • Net investment income increased by 7% to $618 million pretax.
  • P&C combined ratio was 94.8%, including 3.5 points of catastrophe loss impact.

Headline financials

Total Revenue

$3.52B

Previous: $3.3B+6.5%
EPS

$1.17

Previous: $1.13+3.5%
Net Written Premiums

$2.67B

No prior period
Underwriting Gain

$124M

No prior period
Catastrophe Losses

$82M

No prior period
Underlying UW Gain

$200M

No prior period
Combined Ratio

94.8%

No prior period
Underlying Combined Ratio

91.6%

No prior period
Book Value / Share

$38.82

No prior period
BVPS ex-AOCI

$46.16

No prior period
Capital Expenditures

-$39M

Previous: $23M-269.6%
Free Cash Flow

$278M

Previous: $478M-41.8%
Net Income

$317M

Previous: $283M+12.0%
Operating Income

$741M

Previous: $138M+437.0%
Gross Profit

$1.2B

Previous: $2.9B-58.6%
Cash & Equivalents

$375M

Previous: $358M+4.7%
Total Assets

$65.2B

Previous: $63.1B+3.3%

Revenue & EPS history

CNA · Revenue · Quarterly

$3.52B

Q2 2024+6.5%vs Q2 2023
Beat estimate in 9 of 15 quarters(60%)
ActualEstimate

Forward guidance

CNA Financial remains optimistic about the latter half of the year, citing strong execution and a continued favorable fixed income investment environment.

Tailwinds

  • Continued strong growth in Commercial, with gross written premiums up 12%.
  • Net investment income was up 7% as yields in fixed income portfolio increased.
  • Alternatives portfolio generated strong returns.
  • Overall rate change remained stable at 4%, but improved one point to 7% in Commercial.
  • New business grew 7% to a record high.

Headwinds

  • Elevated industry catastrophe losses.
  • Increase in the underlying combined ratio.
  • Underlying loss ratio increased due to rate pressure.
  • Expense ratio increased due to higher acquisition costs.
  • Core loss increased in Corporate & Other segment due to office consolidation and unfavorable prior year development.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q2 2024

Historical avgQ2 2024

+0.6%

Avg return

Earnings day

+1.9%

Avg return

5 days after

+0.2%

Avg return

30 days after

54%

33 / 61 earnings

Positive

+8.9%

Q3 2020

Best reaction

-7.9%

Q1 2026

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-7.9%-9.4%-12.8%
Q4 2025-1.4%-2.3%-5.9%
Q3 2025-1.3%+1.5%+3.3%
Q1 2025-0.5%+0.1%-2.7%
Q4 2024+1.2%-0.7%-2.9%
Q3 2024-0.1%+3.8%+4.8%
Q2 2024+2.5%+0.8%+6.8%
Q1 2024-0.5%+1.2%+1.7%
Q4 2023+6.4%+6.0%+2.2%
Q3 2023+2.2%+1.3%+4.7%
Q2 2023-1.1%+4.8%-0.9%
Q1 2023+1.0%+2.6%-5.3%
Q4 2022+5.9%+6.0%-0.0%
Q3 2022+0.6%+0.3%+1.0%
Q2 2022-5.8%-5.7%-9.3%
Q1 2022-4.5%-4.0%-3.9%
Q4 2021+1.9%+1.1%-4.5%
Q3 2021+3.3%+2.2%-6.8%
Q2 2021-0.0%+0.6%+1.3%
Q1 2021+1.5%+3.0%+1.6%
Q4 2020+5.8%+6.0%+12.7%
Q3 2020+8.9%+9.3%+19.6%
Q2 2020-3.0%+2.6%-3.0%
Q1 2020-0.1%+1.3%+8.8%
Q4 2019+8.3%+7.5%-17.2%
Q3 2019-1.5%-1.1%-2.4%
Q2 2019+0.5%+2.4%+0.8%
Q1 2019+2.2%+1.0%-0.6%
Q4 2018-7.1%-4.3%-7.1%
Q3 2018+7.8%+10.3%+4.4%
Q2 2018-3.8%-4.7%-7.2%
Q1 2018+2.5%-0.9%-3.2%
Q4 2017+5.9%+8.9%+6.3%
Q3 2017+6.6%+8.2%+7.3%
Q2 2017+6.8%+7.6%-0.3%
Q1 2017+0.2%+0.8%+0.8%
Q4 2016+0.2%+0.3%+2.8%
Q3 2016+4.3%+3.2%+9.9%
Q2 2016-1.0%+3.0%+4.6%
Q1 2016+3.1%
Q4 2015-7.3%
Q3 2015+0.5%
Q2 2015-1.6%
Q1 2015-1.8%
Q4 2014+4.5%
Q3 2014-0.6%
Q2 2014-2.4%
Q1 2014-6.6%
Q4 2013+7.2%
Q3 2013+2.3%
Q2 2013+2.3%
Q1 2013+1.0%
Q4 2012+0.3%
Q3 2012+2.3%
Q2 2012-3.3%
Q4 2011-1.2%
Q3 2011-0.9%
Q2 2011-2.9%
Q1 2010-1.5%
Q4 2010+1.2%
Q3 2010-2.2%

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