Dec 31, 2021

CNA Q4 2021 Earnings Report

CNA Financial reported Q4 2021 net income and core income, with P&C segments contributing significantly despite higher catastrophe losses. The company achieved its lowest combined ratio in five years and demonstrated strong premium growth.

Key Takeaways

CNA Financial Corporation announced a net income of $266 million, or $0.98 per share, for Q4 2021, with a core income of $265 million, or $0.97 per share. The P&C segments showed a strong performance, with a combined ratio of 92.9%, the lowest in five years, despite higher catastrophe losses. Gross written premiums ex captives grew by 16%, and net written premiums grew by 11%.

Net income was $266 million, or $0.98 per share; core income was $265 million, or $0.97 per share.

P&C segments produced core income of $353 million.

P&C combined ratio was 92.9%, the lowest in five years.

Gross written premium growth ex captives was 16%.

Total Revenue
$3.05B
Previous year: $2.93B
+4.2%
EPS
$0.97
Previous year: $1.23
-21.1%
Commercial Combined Ratio
94.9%
Previous year: 96.2%
-1.4%
Specialty Combined Ratio
89.9%
Previous year: 89.4%
+0.6%
International Combined Ratio
94.8%
Previous year: 96.9%
-2.2%
Gross Profit
$3.05B
Previous year: $2.81B
+8.7%
Cash and Equivalents
$536M
Previous year: $45B
-98.8%
Free Cash Flow
$633M
Previous year: $360M
+75.8%
Total Assets
$66.6B
Previous year: $64B
+4.1%

CNA

CNA

CNA Revenue by Segment

Forward Guidance

CNA Financial is optimistic about its opportunities and remains well positioned to capitalize on the favorable market conditions anticipated in 2022, given its strong performance on growth, rate, and profitability.

Positive Outlook

  • Strong fourth quarter performance in the property and casualty business.
  • Gross written premium growth ex captives was 16% in the quarter and 10% for the year.
  • New business growth was 28% in the quarter and 19% for the full year.
  • Rates were stable with the third quarter at 8%, and for the full year, 9% was achieved.
  • Lowest quarterly and annual combined ratio in five years at 92.9% and 96.2%, respectively.