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CNA Financial Corporation (CNA) vs RLI Corp. (RLI)

CNA Financial Corporation and RLI Corp. are both Insurance Property & Casualty companies. CNA Financial Corporation is the larger, with a market value of $12.8B against $6.1B — 2.1× the size. CNA Financial Corporation trades at the lower P/E: 12.4× against 15.6×. RLI Corp. grew revenue faster over the last twelve months: 4.65% against 2.05%. RLI Corp. has the higher net margin (20.3% vs 6.80%) and the higher return on invested capital (16.5% vs 6.92%). Both pay a dividend; CNA Financial Corporation yields more (3.01% vs 0.78%). Across the 21 metrics below, RLI Corp. leads on 12 and CNA Financial Corporation on 9.

Valuation

Metric CNA RLI Insurance Property & Casualty median
P/E 12.44 15.56 11.87
P/S 0.84 3.16 1.26
P/B 1.25 3.61 1.99
Price to free cash flow 5.82 11.53 8.12
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.04% 6.43% 8.04%
Free cash flow yield 17.20% 8.67% 11.85%

Profitability

Metric CNA RLI Insurance Property & Casualty median
Gross margin 41.66% 33.49% 41.66%
Operating margin 9.38% 26.42% 14.71%
Net margin 6.80% 20.34% 10.84%
Free cash flow margin 14.50% 27.37% 17.46%
Return on equity 9.56% 22.13% 16.87%
Return on assets 1.50% 6.23% 3.57%
Return on invested capital 6.92% 16.47% 12.03%

Growth

Metric CNA RLI Insurance Property & Casualty median
Revenue growth (TTM) 2.05% 4.65% 5.92%
EPS growth (last fiscal year) 33.24% 16.84% 39.61%
Revenue growth, 5-year CAGR 6.76% 13.86% 9.23%
Net income growth, 5-year CAGR 13.12% 20.75% 10.09%

Health

Metric CNA RLI Insurance Property & Casualty median
Debt to equity 0.29 0.18 0.25
Current ratio 0.23 0.25 0.42
Net debt to EBITDA 1.57 0.09 0.08

Dividend

Metric CNA RLI Insurance Property & Casualty median
Dividend yield 3.01% 0.78% 1.44%
Payout ratio 0.37 0.12 0.14

Size

Metric CNA RLI Insurance Property & Casualty median
Market cap 12.78b 6.13b 2.61b

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