CNO FINANCIAL GROUP INC (CNO) Stock Fundamental Analysis

NYSE:CNO • US12621E1038

41.89 USD
-1.18 (-2.74%)
Last: Feb 27, 2026, 02:06 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to CNO. CNO was compared to 150 industry peers in the Insurance industry. CNO has a bad profitability rating. Also its financial health evaluation is rather negative. CNO has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year CNO was profitable.
  • CNO had a positive operating cash flow in the past year.
  • Each year in the past 5 years CNO has been profitable.
  • CNO had a positive operating cash flow in 4 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

  • The Return On Assets of CNO (0.77%) is worse than 63.33% of its industry peers.
  • CNO's Return On Equity of 11.29% is in line compared to the rest of the industry. CNO outperforms 53.33% of its industry peers.
Industry RankSector Rank
ROA 0.77%
ROE 11.29%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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's Profit Margin of 6.54% is in line compared to the rest of the industry. CNO outperforms 41.33% of its industry peers.
  • CNO's Profit Margin has declined in the last couple of years.
  • CNO has a Operating Margin of 16.49%. This is in the better half of the industry: CNO outperforms 65.33% of its industry peers.
  • In the last couple of years the Operating Margin of CNO has grown nicely.
Industry RankSector Rank
OM 16.49%
PM (TTM) 6.54%
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

0

2. Health

2.1 Basic Checks

  • There is no outstanding debt for CNO. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
CNO Yearly Shares OutstandingCNO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 10B 20B 30B

2.2 Solvency

  • CNO has a debt to FCF ratio of 6.04. This is a slightly negative value and a sign of low solvency as CNO would need 6.04 years to pay back of all of its debts.
  • The Debt to FCF ratio of CNO (6.04) is worse than 65.33% of its industry peers.
  • CNO has a Debt/Equity ratio of 1.55. This is a high value indicating a heavy dependency on external financing.
  • CNO has a worse Debt to Equity ratio (1.55) than 90.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.55
Debt/FCF 6.04
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 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 20M 40M 60M 80M

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

5

3. Growth

3.1 Past

  • CNO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 10.78%, 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 11.80% on average per year.
  • CNO shows a small growth in Revenue. In the last year, the Revenue has grown by 0.48%.
  • 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)10.78%
EPS 3Y23.97%
EPS 5Y11.8%
EPS Q2Q%12.21%
Revenue 1Y (TTM)0.48%
Revenue growth 3Y8.15%
Revenue growth 5Y3.44%
Sales Q2Q%4.18%

3.2 Future

  • CNO is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.54% yearly.
  • CNO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.11% yearly.
EPS Next Y-0.91%
EPS Next 2Y5.67%
EPS Next 3Y7.59%
EPS Next 5Y9.54%
Revenue Next Year3.55%
Revenue Next 2Y3.46%
Revenue Next 3Y4.24%
Revenue Next 5Y4.11%

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 stable.
  • 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. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 9.48, which indicates a very decent valuation of CNO.
  • Based on the Price/Earnings ratio, CNO is valued a bit cheaper than the industry average as 62.67% of the companies are valued more expensively.
  • CNO is valuated cheaply when we compare the Price/Earnings ratio to 27.11, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 9.56, which indicates a very decent valuation of CNO.
  • CNO's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of CNO to the average of the S&P500 Index (28.13), we can say CNO is valued rather cheaply.
Industry RankSector Rank
PE 9.48
Fwd PE 9.56
CNO Price Earnings VS Forward Price EarningsCNO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, CNO is valued a bit cheaper than 66.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.9
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

PEG (NY)N/A
PEG (5Y)0.8
EPS Next 2Y5.67%
EPS Next 3Y7.59%

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

6

5. Dividend

5.1 Amount

  • CNO has a Yearly Dividend Yield of 1.60%.
  • Compared to an average industry Dividend Yield of 2.63, CNO has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, CNO has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.6%

5.2 History

  • The dividend of CNO is nicely growing with an annual growth rate of 8.19%!
  • CNO has paid a dividend for at least 10 years, which is 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
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 22.53% of its income as dividend. This is a sustainable payout ratio.
  • CNO's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP22.53%
EPS Next 2Y5.67%
EPS Next 3Y7.59%
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 FINANCIAL GROUP INC

NYSE:CNO (2/27/2026, 2:06:54 PM)

41.89

-1.18 (-2.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-05
Earnings (Next)04-27
Inst Owners96.66%
Inst Owner Change-0.45%
Ins Owners2.27%
Ins Owner Change5.24%
Market Cap3.96B
Revenue(TTM)4.55B
Net Income(TTM)294.70M
Analysts73.33
Price Target48.2 (15.06%)
Short Float %1.98%
Short Ratio2.67
Dividend
Industry RankSector Rank
Dividend Yield 1.6%
Yearly Dividend0.64
Dividend Growth(5Y)8.19%
DP22.53%
Div Incr Years12
Div Non Decr Years12
Ex-Date03-10
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)20.43%
Min EPS beat(2)1.54%
Max EPS beat(2)39.32%
EPS beat(4)3
Avg EPS beat(4)15.53%
Min EPS beat(4)-0.86%
Max EPS beat(4)39.32%
EPS beat(8)6
Avg EPS beat(8)19.9%
EPS beat(12)8
Avg EPS beat(12)11.78%
EPS beat(16)10
Avg EPS beat(16)14.66%
Revenue beat(2)2
Avg Revenue beat(2)18.7%
Min Revenue beat(2)16.5%
Max Revenue beat(2)20.9%
Revenue beat(4)4
Avg Revenue beat(4)12.81%
Min Revenue beat(4)1.91%
Max Revenue beat(4)20.9%
Revenue beat(8)8
Avg Revenue beat(8)16.49%
Revenue beat(12)12
Avg Revenue beat(12)13.46%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0.53%
PT rev (3m)8.87%
EPS NQ rev (1m)0.48%
EPS NQ rev (3m)-0.74%
EPS NY rev (1m)0%
EPS NY rev (3m)1.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)0.32%
Valuation
Industry RankSector Rank
PE 9.48
Fwd PE 9.56
P/S 0.88
P/FCF 5.9
P/OCF 5.9
P/B 1.52
P/tB 1.52
EV/EBITDA N/A
EPS(TTM)4.42
EY10.55%
EPS(NY)4.38
Fwd EY10.46%
FCF(TTM)7.1
FCFY16.95%
OCF(TTM)7.1
OCFY16.95%
SpS47.68
BVpS27.63
TBVpS27.63
PEG (NY)N/A
PEG (5Y)0.8
Graham Number52.42
Profitability
Industry RankSector Rank
ROA 0.77%
ROE 11.29%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 16.49%
PM (TTM) 6.54%
GM N/A
FCFM 14.89%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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)N/A
ROCE(5y)N/A
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-Score8
Asset Turnover0.12
Health
Industry RankSector Rank
Debt/Equity 1.55
Debt/FCF 6.04
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 250
Cash Conversion N/A
Profit Quality 227.69%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
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)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)10.78%
EPS 3Y23.97%
EPS 5Y11.8%
EPS Q2Q%12.21%
EPS Next Y-0.91%
EPS Next 2Y5.67%
EPS Next 3Y7.59%
EPS Next 5Y9.54%
Revenue 1Y (TTM)0.48%
Revenue growth 3Y8.15%
Revenue growth 5Y3.44%
Sales Q2Q%4.18%
Revenue Next Year3.55%
Revenue Next 2Y3.46%
Revenue Next 3Y4.24%
Revenue Next 5Y4.11%
EBIT growth 1Y13.26%
EBIT growth 3Y-6.85%
EBIT growth 5Y7.34%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y9.39%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y9.39%
OCF growth 3YN/A
OCF growth 5YN/A

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 3 / 10 to CNO.


What is the valuation status of CNO FINANCIAL GROUP INC (CNO) stock?

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 3 / 10.


Can you provide the PE and PB ratios for CNO stock?

The Price/Earnings (PE) ratio for CNO FINANCIAL GROUP INC (CNO) is 9.48 and the Price/Book (PB) ratio is 1.52.


Is the dividend of CNO FINANCIAL GROUP INC sustainable?

The dividend rating of CNO FINANCIAL GROUP INC (CNO) is 6 / 10 and the dividend payout ratio is 22.53%.