CNO FINANCIAL GROUP INC (CNO) Stock Fundamental Analysis
USA - NYSE:CNO - US12621E1038 - Common Stock
40.15 USD
+0.32 (+0.8%)
Taking everything into account, CNO scores 4 out of 10 in our fundamental rating. CNO was compared to 147 industry peers in the Insurance industry. CNO has a medium profitability rating, but doesn't score so well on its financial health evaluation. CNO is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year CNO was profitable.
CNO had a positive operating cash flow in the past year.
In the past 5 years CNO has always been profitable.
CNO had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.75%, CNO is doing worse than 63.95% of the companies in the same industry.
CNO has a Return On Equity of 11.13%. This is comparable to the rest of the industry: CNO outperforms 57.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.75% | ||
| ROE | 11.13% | ||
| ROIC | N/A |
ROA(3y)1.25%
ROA(5y)1.24%
ROE(3y)21.43%
ROE(5y)16.13%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CNO has a Profit Margin (6.32%) which is comparable to the rest of the industry.
CNO's Profit Margin has declined in the last couple of years.
CNO has a Operating Margin of 14.15%. This is in the better half of the industry: CNO outperforms 66.67% of its industry peers.
In the last couple of years the Operating Margin of CNO has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.15% | ||
| PM (TTM) | 6.32% | ||
| GM | N/A |
OM growth 3Y-3.08%
OM growth 5Y9.46%
PM growth 3Y-13.73%
PM growth 5Y-2.56%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The number of shares outstanding for CNO has been reduced compared to 1 year ago.
The number of shares outstanding for CNO has been reduced compared to 5 years ago.
CNO has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of CNO is 5.86, which is a neutral value as it means it would take CNO, 5.86 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 5.86, CNO is in line with its industry, outperforming 40.14% of the companies in the same industry.
CNO has a Debt/Equity ratio of 1.64. This is a high value indicating a heavy dependency on external financing.
CNO has a Debt to Equity ratio of 1.64. This is amonst the worse of the industry: CNO underperforms 91.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.64 | ||
| Debt/FCF | 5.86 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CNO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.40%, which is quite good.
Measured over the past years, CNO shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.49% on average per year.
Looking at the last year, CNO shows a small growth in Revenue. The Revenue has grown by 0.84% in the last year.
The Revenue has been growing slightly by 2.35% on average over the past years.
EPS 1Y (TTM)12.4%
EPS 3Y12.53%
EPS 5Y16.49%
EPS Q2Q%-17.14%
Revenue 1Y (TTM)0.84%
Revenue growth 3Y3.34%
Revenue growth 5Y2.35%
Sales Q2Q%5.4%
3.2 Future
Based on estimates for the next years, CNO will show a small growth in Earnings Per Share. The EPS will grow by 7.37% on average per year.
The Revenue is expected to grow by 3.73% on average over the next years.
EPS Next Y-4.42%
EPS Next 2Y4.21%
EPS Next 3Y5.98%
EPS Next 5Y7.37%
Revenue Next Year3.38%
Revenue Next 2Y3.33%
Revenue Next 3Y3.31%
Revenue Next 5Y3.73%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
CNO is valuated reasonably with a Price/Earnings ratio of 9.84.
Compared to the rest of the industry, the Price/Earnings ratio of CNO indicates a somewhat cheap valuation: CNO is cheaper than 63.27% of the companies listed in the same industry.
CNO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.83.
Based on the Price/Forward Earnings ratio of 9.27, the valuation of CNO can be described as reasonable.
62.59% of the companies in the same industry are more expensive than CNO, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.82. CNO is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.84 | ||
| Fwd PE | 9.27 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CNO indicates a somewhat cheap valuation: CNO is cheaper than 70.75% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.52 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.6
EPS Next 2Y4.21%
EPS Next 3Y5.98%
5. Dividend
5.1 Amount
CNO has a Yearly Dividend Yield of 1.77%.
Compared to an average industry Dividend Yield of 3.30, CNO has a dividend in line with its industry peers.
Compared to the average S&P500 Dividend Yield of 2.34, CNO is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.77% |
5.2 History
The dividend of CNO is nicely growing with an annual growth rate of 8.19%!
CNO has been paying a dividend for at least 10 years, so it has a reliable track record.
CNO has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)8.19%
Div Incr Years12
Div Non Decr Years12
5.3 Sustainability
CNO pays out 23.78% of its income as dividend. This is a sustainable payout ratio.
CNO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP23.78%
EPS Next 2Y4.21%
EPS Next 3Y5.98%
NYSE:CNO (10/24/2025, 9:41:01 AM)
40.15
+0.32 (+0.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners97.53%
Inst Owner Change-0.1%
Ins Owners2.24%
Ins Owner Change-0.65%
Market Cap3.89B
Revenue(TTM)4.45B
Net Income(TTM)280.90M
Analysts50.77
Price Target43.25 (7.72%)
Short Float %1.79%
Short Ratio2.16
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.77% |
Yearly Dividend0.64
Dividend Growth(5Y)8.19%
DP23.78%
Div Incr Years12
Div Non Decr Years12
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.34%
Min EPS beat(2)-0.86%
Max EPS beat(2)1.54%
EPS beat(4)3
Avg EPS beat(4)14.05%
Min EPS beat(4)-0.86%
Max EPS beat(4)33.4%
EPS beat(8)6
Avg EPS beat(8)17.33%
EPS beat(12)7
Avg EPS beat(12)8.38%
EPS beat(16)10
Avg EPS beat(16)13.2%
Revenue beat(2)2
Avg Revenue beat(2)9.2%
Min Revenue beat(2)1.91%
Max Revenue beat(2)16.5%
Revenue beat(4)4
Avg Revenue beat(4)12.5%
Min Revenue beat(4)1.91%
Max Revenue beat(4)19.67%
Revenue beat(8)8
Avg Revenue beat(8)14.37%
Revenue beat(12)12
Avg Revenue beat(12)11.81%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0.47%
EPS NQ rev (1m)-0.14%
EPS NQ rev (3m)-2.01%
EPS NY rev (1m)0.2%
EPS NY rev (3m)0.13%
Revenue NQ rev (1m)-0.19%
Revenue NQ rev (3m)-1.97%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.13%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.84 | ||
| Fwd PE | 9.27 | ||
| P/S | 0.88 | ||
| P/FCF | 5.52 | ||
| P/OCF | 5.52 | ||
| P/B | 1.54 | ||
| P/tB | 1.54 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.08
EY10.16%
EPS(NY)4.33
Fwd EY10.79%
FCF(TTM)7.27
FCFY18.1%
OCF(TTM)7.27
OCFY18.1%
SpS45.88
BVpS26.03
TBVpS26.03
PEG (NY)N/A
PEG (5Y)0.6
Graham Number48.88
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.75% | ||
| ROE | 11.13% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 14.15% | ||
| PM (TTM) | 6.32% | ||
| GM | N/A | ||
| FCFM | 15.84% |
ROA(3y)1.25%
ROA(5y)1.24%
ROE(3y)21.43%
ROE(5y)16.13%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)2.15%
ROCE(5y)1.99%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-3.08%
OM growth 5Y9.46%
PM growth 3Y-13.73%
PM growth 5Y-2.56%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.12
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.64 | ||
| Debt/FCF | 5.86 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 250 | ||
| Cash Conversion | N/A | ||
| Profit Quality | 250.77% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)148.25%
Profit Quality(5y)158.67%
High Growth Momentum
Growth
EPS 1Y (TTM)12.4%
EPS 3Y12.53%
EPS 5Y16.49%
EPS Q2Q%-17.14%
EPS Next Y-4.42%
EPS Next 2Y4.21%
EPS Next 3Y5.98%
EPS Next 5Y7.37%
Revenue 1Y (TTM)0.84%
Revenue growth 3Y3.34%
Revenue growth 5Y2.35%
Sales Q2Q%5.4%
Revenue Next Year3.38%
Revenue Next 2Y3.33%
Revenue Next 3Y3.31%
Revenue Next 5Y3.73%
EBIT growth 1Y-25.65%
EBIT growth 3Y0.16%
EBIT growth 5Y12.04%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y27.65%
FCF growth 3Y1.61%
FCF growth 5Y-2.06%
OCF growth 1Y27.65%
OCF growth 3Y1.61%
OCF growth 5Y-2.06%
CNO FINANCIAL GROUP INC / CNO FAQ
What is the ChartMill fundamental rating of CNO FINANCIAL GROUP INC (CNO) stock?
ChartMill assigns a fundamental rating of 4 / 10 to CNO.
Can you provide the valuation status for CNO FINANCIAL GROUP INC?
ChartMill assigns a valuation rating of 5 / 10 to CNO FINANCIAL GROUP INC (CNO). This can be considered as Fairly Valued.
How profitable is CNO FINANCIAL GROUP INC (CNO) stock?
CNO FINANCIAL GROUP INC (CNO) has a profitability rating of 4 / 10.
What are the PE and PB ratios of CNO FINANCIAL GROUP INC (CNO) stock?
The Price/Earnings (PE) ratio for CNO FINANCIAL GROUP INC (CNO) is 9.84 and the Price/Book (PB) ratio is 1.54.
What is the financial health of CNO FINANCIAL GROUP INC (CNO) stock?
The financial health rating of CNO FINANCIAL GROUP INC (CNO) is 2 / 10.