CNO FINANCIAL GROUP INC (CNO) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CNO - US12621E1038 - Common Stock
40.45 USD
+0.68 (+1.71%)
40.45 USD
0 (0%)
Taking everything into account, CNO scores 3 out of 10 in our fundamental rating. CNO was compared to 147 industry peers in the Insurance industry. CNO may be in some trouble as it scores bad on both profitability and health. CNO has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
CNO had positive earnings in the past year.
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 each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.75%, CNO is not doing good in the industry: 64.63% of the companies in the same industry are doing better.
CNO's Return On Equity of 11.13% is in line compared to the rest of the industry. CNO outperforms 53.06% 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
With a Profit Margin value of 6.32%, CNO is not doing good in the industry: 60.54% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of CNO has declined.
CNO's Operating Margin of 14.15% is fine compared to the rest of the industry. CNO outperforms 67.35% of its industry peers.
CNO's Operating Margin has improved in the last couple of years.
| 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
CNO has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, CNO has less shares outstanding
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.
The Debt to FCF ratio of CNO (5.86) is worse than 64.63% of its industry peers.
A Debt/Equity ratio of 1.64 is on the high side and indicates that CNO has dependencies on debt financing.
With a Debt to Equity ratio value of 1.64, CNO is not doing good in the industry: 91.84% of the companies in the same industry are doing better.
| 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 10.36%, which is quite good.
The Earnings Per Share has been growing by 16.49% on average over the past years. This is quite good.
Looking at the last year, CNO shows a decrease in Revenue. The Revenue has decreased by -1.70% in the last year.
CNO shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.35% yearly.
EPS 1Y (TTM)10.36%
EPS 3Y12.53%
EPS 5Y16.49%
EPS Q2Q%16.22%
Revenue 1Y (TTM)-1.7%
Revenue growth 3Y3.34%
Revenue growth 5Y2.35%
Sales Q2Q%4.03%
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.
CNO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.68% yearly.
EPS Next Y-4.7%
EPS Next 2Y4.18%
EPS Next 3Y6.14%
EPS Next 5Y7.37%
Revenue Next Year3.3%
Revenue Next 2Y3.28%
Revenue Next 3Y3.28%
Revenue Next 5Y3.68%
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 9.50.
Compared to the rest of the industry, the Price/Earnings ratio of CNO indicates a somewhat cheap valuation: CNO is cheaper than 61.22% 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 25.45.
CNO is valuated reasonably with a Price/Forward Earnings ratio of 9.34.
CNO's Price/Forward Earnings is on the same level as the industry average.
CNO's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.46.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.5 | ||
| Fwd PE | 9.34 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CNO is valued a bit cheaper than 70.07% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.57 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.58
EPS Next 2Y4.18%
EPS Next 3Y6.14%
5. Dividend
5.1 Amount
CNO has a Yearly Dividend Yield of 1.71%.
CNO's Dividend Yield is comparable with the industry average which is at 3.43.
Compared to the average S&P500 Dividend Yield of 2.42, CNO is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.71% |
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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)8.19%
Div Incr Years12
Div Non Decr Years12
5.3 Sustainability
23.78% of the earnings are spent on dividend by CNO. This is a low number and sustainable payout ratio.
CNO's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP23.78%
EPS Next 2Y4.18%
EPS Next 3Y6.14%
40.45
+0.68 (+1.71%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners97.53%
Inst Owner Change-2.58%
Ins Owners2.24%
Ins Owner Change-1.62%
Market Cap3.92B
Revenue(TTM)4.51B
Net Income(TTM)280.90M
Analysts50.77
Price Target44.27 (9.44%)
Short Float %1.84%
Short Ratio2.59
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.71% |
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)-0.47%
PT rev (3m)-0.47%
EPS NQ rev (1m)-0.07%
EPS NQ rev (3m)-0.83%
EPS NY rev (1m)-0.3%
EPS NY rev (3m)-0.17%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.17%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)-0.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.5 | ||
| Fwd PE | 9.34 | ||
| P/S | 0.88 | ||
| P/FCF | 5.57 | ||
| P/OCF | 5.57 | ||
| P/B | 1.55 | ||
| P/tB | 1.55 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.26
EY10.53%
EPS(NY)4.33
Fwd EY10.71%
FCF(TTM)7.27
FCFY17.97%
OCF(TTM)7.27
OCFY17.97%
SpS45.88
BVpS26.03
TBVpS26.03
PEG (NY)N/A
PEG (5Y)0.58
Graham Number49.95
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)10.36%
EPS 3Y12.53%
EPS 5Y16.49%
EPS Q2Q%16.22%
EPS Next Y-4.7%
EPS Next 2Y4.18%
EPS Next 3Y6.14%
EPS Next 5Y7.37%
Revenue 1Y (TTM)-1.7%
Revenue growth 3Y3.34%
Revenue growth 5Y2.35%
Sales Q2Q%4.03%
Revenue Next Year3.3%
Revenue Next 2Y3.28%
Revenue Next 3Y3.28%
Revenue Next 5Y3.68%
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 3 / 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 3 / 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 9.5 and the Price/Book (PB) ratio is 1.55.
What is the financial health of CNO FINANCIAL GROUP INC (CNO) stock?
The financial health rating of CNO FINANCIAL GROUP INC (CNO) is 1 / 10.