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CNA vs. RLI: A Head-to-Head Stock Comparison

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Here’s a clear look at CNA and RLI, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

SymbolCNARLI
Company NameCNA Financial CorporationRLI Corp.
CountryUnited StatesUnited States
GICS SectorFinancialsFinancials
GICS IndustryInsuranceInsurance
Market Capitalization12.98 billion USD6.20 billion USD
ExchangeNYSENYSE
Listing DateFebruary 21, 1973March 17, 1980
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of CNA and RLI by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

CNA vs. RLI: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolCNARLI
5-Day Price Return2.04%1.37%
13-Week Price Return-1.96%-9.68%
26-Week Price Return-3.38%-13.38%
52-Week Price Return-0.15%-7.21%
Month-to-Date Return8.21%2.39%
Year-to-Date Return-0.83%-18.02%
10-Day Avg. Volume0.54M0.57M
3-Month Avg. Volume0.46M0.53M
3-Month Volatility19.18%17.92%
Beta0.520.57

Profitability

Return on Equity (TTM)

CNA

8.31%

Insurance Industry

Max
29.03%
Q3
18.11%
Median
13.90%
Q1
10.42%
Min
-0.64%

CNA’s Return on Equity of 8.31% is in the lower quartile for the Insurance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

RLI

19.57%

Insurance Industry

Max
29.03%
Q3
18.11%
Median
13.90%
Q1
10.42%
Min
-0.64%

In the upper quartile for the Insurance industry, RLI’s Return on Equity of 19.57% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

CNA vs. RLI: A comparison of their Return on Equity (TTM) against the Insurance industry benchmark.

Net Profit Margin (TTM)

CNA

5.99%

Insurance Industry

Max
26.78%
Q3
14.06%
Median
9.15%
Q1
5.48%
Min
-7.05%

CNA’s Net Profit Margin of 5.99% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.

RLI

17.80%

Insurance Industry

Max
26.78%
Q3
14.06%
Median
9.15%
Q1
5.48%
Min
-7.05%

A Net Profit Margin of 17.80% places RLI in the upper quartile for the Insurance industry, signifying strong profitability and more effective cost management than most of its peers.

CNA vs. RLI: A comparison of their Net Profit Margin (TTM) against the Insurance industry benchmark.

Operating Profit Margin (TTM)

CNA

8.45%

Insurance Industry

Max
35.49%
Q3
19.49%
Median
14.35%
Q1
8.53%
Min
-5.25%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

RLI

22.62%

Insurance Industry

Max
35.49%
Q3
19.49%
Median
14.35%
Q1
8.53%
Min
-5.25%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

CNA vs. RLI: A comparison of their Operating Profit Margin (TTM) against the Insurance industry benchmark.

Profitability at a Glance

SymbolCNARLI
Return on Equity (TTM)8.31%19.57%
Return on Assets (TTM)1.30%5.59%
Net Profit Margin (TTM)5.99%17.80%
Operating Profit Margin (TTM)8.45%22.62%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

CNA

2.64

Insurance Industry

Max
2.97
Q3
1.33
Median
0.55
Q1
0.15
Min
0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

RLI

1.00

Insurance Industry

Max
2.97
Q3
1.33
Median
0.55
Q1
0.15
Min
0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

CNA vs. RLI: A comparison of their Current Ratio (MRQ) against the Insurance industry benchmark.

Debt-to-Equity Ratio (MRQ)

CNA

0.28

Insurance Industry

Max
1.25
Q3
0.65
Median
0.34
Q1
0.22
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

RLI

0.06

Insurance Industry

Max
1.25
Q3
0.65
Median
0.34
Q1
0.22
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

CNA vs. RLI: A comparison of their Debt-to-Equity Ratio (MRQ) against the Insurance industry benchmark.

Interest Coverage Ratio (TTM)

CNA

10.11

Insurance Industry

Max
43.68
Q3
20.84
Median
9.56
Q1
3.34
Min
-5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

RLI

39.17

Insurance Industry

Max
43.68
Q3
20.84
Median
9.56
Q1
3.34
Min
-5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

CNA vs. RLI: A comparison of their Interest Coverage Ratio (TTM) against the Insurance industry benchmark.

Financial Strength at a Glance

SymbolCNARLI
Current Ratio (MRQ)2.641.00
Quick Ratio (MRQ)1.861.00
Debt-to-Equity Ratio (MRQ)0.280.06
Interest Coverage Ratio (TTM)10.1139.17

Growth

Revenue Growth

CNA vs. RLI: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

CNA vs. RLI: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

CNA

8.03%

Insurance Industry

Max
8.23%
Q3
4.54%
Median
3.42%
Q1
1.97%
Min
0.00%

With a Dividend Yield of 8.03%, CNA offers a more attractive income stream than most of its peers in the Insurance industry, signaling a strong commitment to shareholder returns.

RLI

3.86%

Insurance Industry

Max
8.23%
Q3
4.54%
Median
3.42%
Q1
1.97%
Min
0.00%

RLI’s Dividend Yield of 3.86% is consistent with its peers in the Insurance industry, providing a dividend return that is standard for its sector.

CNA vs. RLI: A comparison of their Dividend Yield (TTM) against the Insurance industry benchmark.

Dividend Payout Ratio (TTM)

CNA

118.24%

Insurance Industry

Max
168.02%
Q3
85.57%
Median
50.71%
Q1
22.04%
Min
0.00%

CNA’s Dividend Payout Ratio of 118.24% is in the upper quartile for the Insurance industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.

RLI

68.15%

Insurance Industry

Max
168.02%
Q3
85.57%
Median
50.71%
Q1
22.04%
Min
0.00%

RLI’s Dividend Payout Ratio of 68.15% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

CNA vs. RLI: A comparison of their Dividend Payout Ratio (TTM) against the Insurance industry benchmark.

Dividend at a Glance

SymbolCNARLI
Dividend Yield (TTM)8.03%3.86%
Dividend Payout Ratio (TTM)118.24%68.15%

Valuation

Price-to-Earnings Ratio (TTM)

CNA

14.73

Insurance Industry

Max
28.91
Q3
17.76
Median
13.63
Q1
10.02
Min
2.89

CNA’s P/E Ratio of 14.73 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

RLI

18.90

Insurance Industry

Max
28.91
Q3
17.76
Median
13.63
Q1
10.02
Min
2.89

A P/E Ratio of 18.90 places RLI in the upper quartile for the Insurance industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.

CNA vs. RLI: A comparison of their Price-to-Earnings Ratio (TTM) against the Insurance industry benchmark.

Price-to-Sales Ratio (TTM)

CNA

0.88

Insurance Industry

Max
3.72
Q3
1.98
Median
1.23
Q1
0.81
Min
0.23

CNA’s P/S Ratio of 0.88 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

RLI

3.36

Insurance Industry

Max
3.72
Q3
1.98
Median
1.23
Q1
0.81
Min
0.23

RLI’s P/S Ratio of 3.36 is in the upper echelon for the Insurance industry. This means the company is valued richly on its revenue stream compared to its peers, suggesting the stock is priced for a high level of future performance.

CNA vs. RLI: A comparison of their Price-to-Sales Ratio (TTM) against the Insurance industry benchmark.

Price-to-Book Ratio (MRQ)

CNA

1.18

Insurance Industry

Max
4.37
Q3
2.48
Median
1.68
Q1
1.19
Min
0.19

CNA’s P/B Ratio of 1.18 is in the lower quartile for the Insurance industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

RLI

3.82

Insurance Industry

Max
4.37
Q3
2.48
Median
1.68
Q1
1.19
Min
0.19

RLI’s P/B Ratio of 3.82 is in the upper tier for the Insurance industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.

CNA vs. RLI: A comparison of their Price-to-Book Ratio (MRQ) against the Insurance industry benchmark.

Valuation at a Glance

SymbolCNARLI
Price-to-Earnings Ratio (TTM)14.7318.90
Price-to-Sales Ratio (TTM)0.883.36
Price-to-Book Ratio (MRQ)1.183.82
Price-to-Free Cash Flow Ratio (TTM)5.0611.00