CNO FINANCIAL GROUP INC (CNO) Fundamental Analysis & Valuation

NYSE:CNO • US12621E1038

Current stock price

44.1 USD
-0.35 (-0.79%)
Last:

This CNO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. CNO Profitability Analysis

1.1 Basic Checks

  • In the past year CNO was profitable.
  • CNO had a positive operating cash flow in the past year.
  • CNO had positive earnings in each of the past 5 years.
  • CNO had a positive operating cash flow in each of the past 5 years.
CNO Yearly Net Income VS EBIT VS OCF VS FCFCNO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M 600M 800M

1.2 Ratios

  • CNO's Return On Assets of 0.57% is on the low side compared to the rest of the industry. CNO is outperformed by 69.39% of its industry peers.
  • With a Return On Equity value of 8.40%, CNO is not doing good in the industry: 63.27% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.57%
ROE 8.4%
ROIC N/A
ROA(3y)0.83%
ROA(5y)1.19%
ROE(3y)12.67%
ROE(5y)16.9%
ROIC(3y)N/A
ROIC(5y)N/A
CNO Yearly ROA, ROE, ROICCNO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20 30

1.3 Margins

  • CNO has a Profit Margin of 4.87%. This is in the lower half of the industry: CNO underperforms 69.39% of its industry peers.
  • CNO's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 14.55%, CNO is in the better half of the industry, outperforming 61.90% of the companies in the same industry.
  • CNO's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 14.55%
PM (TTM) 4.87%
GM N/A
OM growth 3Y-13.87%
OM growth 5Y3.77%
PM growth 3Y-34%
PM growth 5Y-8.49%
GM growth 3YN/A
GM growth 5YN/A
CNO Yearly Profit, Operating, Gross MarginsCNO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. CNO Health Analysis

2.1 Basic Checks

  • CNO has less shares outstanding than it did 1 year ago.
  • CNO has less shares outstanding than it did 5 years ago.
  • CNO has a better debt/assets ratio than last year.
CNO Yearly Shares OutstandingCNO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
CNO Yearly Total Debt VS Total AssetsCNO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.2 Solvency

  • CNO has a debt to FCF ratio of 6.00. This is a neutral value as CNO would need 6.00 years to pay back of all of its debts.
  • The Debt to FCF ratio of CNO (6.00) is worse than 68.71% of its industry peers.
  • CNO has a Debt/Equity ratio of 1.54. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of CNO (1.54) is worse than 89.80% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.54
Debt/FCF 6
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
CNO Yearly LT Debt VS Equity VS FCFCNO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CNO Yearly Current Assets VS Current LiabilitesCNO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. CNO Growth Analysis

3.1 Past

  • CNO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.49%, which is quite good.
  • The Earnings Per Share has been growing by 11.80% on average over the past years. This is quite good.
  • The Revenue has been growing slightly by 0.48% in the past year.
  • Measured over the past years, CNO shows a small growth in Revenue. The Revenue has been growing by 3.44% on average per year.
EPS 1Y (TTM)15.49%
EPS 3Y23.97%
EPS 5Y11.8%
EPS Q2Q%63.29%
Revenue 1Y (TTM)0.48%
Revenue growth 3Y8.15%
Revenue growth 5Y3.44%
Sales Q2Q%4.8%

3.2 Future

  • Based on estimates for the next years, CNO will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.32% on average per year.
  • Based on estimates for the next years, CNO will show a small growth in Revenue. The Revenue will grow by 4.05% on average per year.
EPS Next Y0.61%
EPS Next 2Y5.48%
EPS Next 3Y7.63%
EPS Next 5Y9.32%
Revenue Next Year3.55%
Revenue Next 2Y3.48%
Revenue Next 3Y3.48%
Revenue Next 5Y4.05%

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 stable: in the next years the growth will be about the same than in the last years.
CNO Yearly Revenue VS EstimatesCNO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1B 2B 3B 4B
CNO Yearly EPS VS EstimatesCNO Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6

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5

4. CNO Valuation Analysis

4.1 Price/Earnings Ratio

  • CNO is valuated reasonably with a Price/Earnings ratio of 8.96.
  • Based on the Price/Earnings ratio, CNO is valued a bit cheaper than 63.95% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.77, CNO is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 8.97, the valuation of CNO can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CNO indicates a somewhat cheap valuation: CNO is cheaper than 63.95% of the companies listed in the same industry.
  • CNO's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.75.
Industry RankSector Rank
PE 8.96
Fwd PE 8.97
CNO Price Earnings VS Forward Price EarningsCNO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 60.54% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 6
EV/EBITDA N/A
CNO Per share dataCNO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CNO does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)14.66
PEG (5Y)0.76
EPS Next 2Y5.48%
EPS Next 3Y7.63%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. CNO Dividend Analysis

5.1 Amount

  • CNO has a Yearly Dividend Yield of 1.52%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.37, CNO has a dividend in line with its industry peers.
  • CNO's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.52%

5.2 History

  • On average, the dividend of CNO grows each year by 7.36%, which is quite nice.
  • CNO has paid a dividend for at least 10 years, which is a reliable track record.
  • CNO has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)7.36%
Div Incr Years13
Div Non Decr Years13
CNO Yearly Dividends per shareCNO Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • CNO pays out 29.89% of its income as dividend. This is a sustainable payout ratio.
  • CNO's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP29.89%
EPS Next 2Y5.48%
EPS Next 3Y7.63%
CNO Yearly Income VS Free CF VS DividendCNO Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M 600M
CNO Dividend Payout.CNO Dividend Payout, showing the Payout Ratio.CNO Dividend Payout.PayoutRetained Earnings

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CNO Fundamentals: All Metrics, Ratios and Statistics

CNO FINANCIAL GROUP INC

NYSE:CNO (5/1/2026, 2:40:09 PM)

44.1

-0.35 (-0.79%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength40.99
Industry Growth43.48
Earnings (Last)04-30
Earnings (Next)N/A
Inst Owners98.97%
Inst Owner Change-0.18%
Ins Owners2.51%
Ins Owner Change3.26%
Market Cap4.05B
Revenue(TTM)4.55B
Net Income(TTM)221.50M
Analysts72
Price Target46.92 (6.39%)
Short Float %2.2%
Short Ratio3.02
Dividend
Industry RankSector Rank
Dividend Yield 1.52%
Yearly Dividend0.68
Dividend Growth(5Y)7.36%
DP29.89%
Div Incr Years13
Div Non Decr Years13
Ex-Date03-10
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)29.96%
Min EPS beat(2)20.6%
Max EPS beat(2)39.32%
EPS beat(4)3
Avg EPS beat(4)15.15%
Min EPS beat(4)-0.86%
Max EPS beat(4)39.32%
EPS beat(8)6
Avg EPS beat(8)17.84%
EPS beat(12)8
Avg EPS beat(12)13.43%
EPS beat(16)10
Avg EPS beat(16)13.3%
Revenue beat(2)2
Avg Revenue beat(2)16.87%
Min Revenue beat(2)12.84%
Max Revenue beat(2)20.9%
Revenue beat(4)4
Avg Revenue beat(4)13.04%
Min Revenue beat(4)1.91%
Max Revenue beat(4)20.9%
Revenue beat(8)8
Avg Revenue beat(8)15.09%
Revenue beat(12)12
Avg Revenue beat(12)13.84%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-3.63%
PT rev (3m)-1.06%
EPS NQ rev (1m)-1.64%
EPS NQ rev (3m)2.18%
EPS NY rev (1m)0.73%
EPS NY rev (3m)1.54%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)-0.3%
Revenue NY rev (1m)-0.1%
Revenue NY rev (3m)-0.12%
Valuation
Industry RankSector Rank
PE 8.96
Fwd PE 8.97
P/S 0.89
P/FCF 6
P/OCF 6
P/B 1.54
P/tB 1.54
EV/EBITDA N/A
EPS(TTM)4.92
EY11.16%
EPS(NY)4.92
Fwd EY11.15%
FCF(TTM)7.35
FCFY16.67%
OCF(TTM)7.35
OCFY16.67%
SpS49.46
BVpS28.7
TBVpS28.7
PEG (NY)14.66
PEG (5Y)0.76
Graham Number56.3636 (27.81%)
Profitability
Industry RankSector Rank
ROA 0.57%
ROE 8.4%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 14.55%
PM (TTM) 4.87%
GM N/A
FCFM 14.86%
ROA(3y)0.83%
ROA(5y)1.19%
ROE(3y)12.67%
ROE(5y)16.9%
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)1.91%
ROCE(5y)2.08%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-13.87%
OM growth 5Y3.77%
PM growth 3Y-34%
PM growth 5Y-8.49%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.12
Health
Industry RankSector Rank
Debt/Equity 1.54
Debt/FCF 6
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 250
Cash Conversion N/A
Profit Quality 305.06%
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)218.22%
Profit Quality(5y)167.63%
High Growth Momentum
Growth
EPS 1Y (TTM)15.49%
EPS 3Y23.97%
EPS 5Y11.8%
EPS Q2Q%63.29%
EPS Next Y0.61%
EPS Next 2Y5.48%
EPS Next 3Y7.63%
EPS Next 5Y9.32%
Revenue 1Y (TTM)0.48%
Revenue growth 3Y8.15%
Revenue growth 5Y3.44%
Sales Q2Q%4.8%
Revenue Next Year3.55%
Revenue Next 2Y3.48%
Revenue Next 3Y3.48%
Revenue Next 5Y4.05%
EBIT growth 1Y-15.99%
EBIT growth 3Y-6.85%
EBIT growth 5Y7.34%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y7.65%
FCF growth 3Y10.9%
FCF growth 5Y-1.68%
OCF growth 1Y7.65%
OCF growth 3Y10.9%
OCF growth 5Y-1.68%

CNO FINANCIAL GROUP INC / CNO Fundamental Analysis FAQ

What is the ChartMill fundamental rating of CNO FINANCIAL GROUP INC (CNO) stock?

ChartMill assigns a fundamental rating of 3 / 10 to CNO.


What is the valuation status for CNO stock?

ChartMill assigns a valuation rating of 4 / 10 to CNO FINANCIAL GROUP INC (CNO). This can be considered as Fairly Valued.


Can you provide the profitability details for CNO FINANCIAL GROUP INC?

CNO FINANCIAL GROUP INC (CNO) has a profitability rating of 3 / 10.


How financially healthy is CNO FINANCIAL GROUP INC?

The financial health rating of CNO FINANCIAL GROUP INC (CNO) is 2 / 10.


Can you provide the dividend sustainability for CNO stock?

The dividend rating of CNO FINANCIAL GROUP INC (CNO) is 7 / 10 and the dividend payout ratio is 29.89%.