Is CNA or HCI more undervalued in 2026?

CirclFi compares CNA Financial Corporation (CNA) and HCI Group, Inc. (HCI) using 13 institutional-grade valuation models. CNA has a Quality of Company score of 8.2/10 while HCI scores 10.0/10.

Which is a better buy — CNA or HCI?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do CNA and HCI valuations compare?

CNA at $42.35 and HCI at $154.54 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

CNA vs HCI Valuation Comparison 2026 — Intrinsic Value Analysis

CNA

Insurance - Property & Casualty

CNA Financial Corporation

Quality

8.2

out of 10

Value Trap

SAFE

Price

$42.35

Last close

Models

11/13

Active

HCI

Insurance - Property & Casualty

HCI Group, Inc.

Quality

10.0

out of 10

Value Trap

SAFE

Price

$154.54

Last close

Models

13/13

Active

Model-by-Model Comparison

Model	Type	CNA Fair Value	CNA Upside	HCI Fair Value	HCI Upside
Bayesian DCF	Intrinsic	$202.93	+379.2%	$350.16	+126.6%
Earnings Power Value	Intrinsic	$28.35	-33.0%	$249.49	+61.4%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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CNA vs HCI — Which Stock Is More Undervalued?

HCI scores higher with a 10.0/10 quality rating vs CNA's 8.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing CNA Financial Corporation (CNA) and HCI Group, Inc. (HCI) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

CNA currently trades at $42.35 with a QOC of 8.2/10, while HCI trades at $154.54 with a QOC of 10.0/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).