CNO FINANCIAL GROUP INC (CNO) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:CNO • US12621E1038

42.31 USD
-0.22 (-0.52%)
At close: Feb 5, 2026
42.31 USD
0 (0%)
After Hours: 2/5/2026, 8:17:33 PM
Fundamental Rating

3

CNO gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 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 valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

3

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.
  • CNO had positive earnings in 4 of the past 5 years.
  • 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 0 200M -200M 400M 600M 800M

1.2 Ratios

  • With a Return On Assets value of 0.77%, CNO is not doing good in the industry: 64.63% of the companies in the same industry are doing better.
  • CNO has a Return On Equity of 11.29%. This is comparable to the rest of the industry: CNO outperforms 51.02% of its industry peers.
Industry RankSector Rank
ROA 0.77%
ROE 11.29%
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
CNO Yearly ROA, ROE, ROICCNO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 40.14% of its industry peers.
  • CNO's Profit Margin has declined in the last couple of years.
  • The Operating Margin of CNO (16.49%) is better than 63.95% 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-3.08%
OM growth 5Y9.46%
PM growth 3Y-13.73%
PM growth 5Y-2.56%
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 0 10 20

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0

2. Health

2.1 Basic Checks

  • CNO has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

  • The Debt to FCF ratio of CNO is 6.04, which is on the high side as it means it would take CNO, 6.04 years of fcf income to pay off all of its debts.
  • CNO has a worse Debt to FCF ratio (6.04) than 66.67% 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.
  • Looking at the Debt to Equity ratio, with a value of 1.55, CNO is doing worse than 91.16% of the companies in the same industry.
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

3

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.
  • The Earnings Per Share has been growing by 11.80% on average over the past years. This is quite good.
EPS 1Y (TTM)10.78%
EPS 3Y23.97%
EPS 5Y11.8%
EPS Q2Q%12.21%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%6.6%

3.2 Future

  • The Earnings Per Share is expected to grow by 7.59% on average over the next years.
  • CNO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.16% yearly.
EPS Next Y-0.91%
EPS Next 2Y5.67%
EPS Next 3Y7.59%
EPS Next 5YN/A
Revenue Next Year3.67%
Revenue Next 2Y3.52%
Revenue Next 3Y4.16%
Revenue Next 5YN/A

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.
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 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 1 2 3 4 5

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5

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 9.57, the valuation of CNO can be described as very reasonable.
  • Based on the Price/Earnings ratio, CNO is valued a bit cheaper than the industry average as 63.95% of the companies are valued more expensively.
  • CNO is valuated cheaply when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 9.66, which indicates a very decent valuation of CNO.
  • CNO's Price/Forward Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.20, CNO is valued rather cheaply.
Industry RankSector Rank
PE 9.57
Fwd PE 9.66
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CNO indicates a somewhat cheap valuation: CNO is cheaper than 65.99% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 6.01
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)0.81
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%. Purely for dividend investing, there may be better candidates out there.
  • CNO's Dividend Yield is comparable with the industry average which is at 2.24.
  • CNO's Dividend Yield is comparable with the S&P500 average which is at 1.82.
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 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
CNO Yearly Dividends per shareCNO Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

  • 22.53% of the earnings are spent on dividend by CNO. This is a low number and sustainable payout ratio.
  • The dividend of CNO is growing, but the earnings are growing slower. This means the dividend growth is not 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 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 (2/5/2026, 8:17:33 PM)

After market: 42.31 0 (0%)

42.31

-0.22 (-0.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-05
Earnings (Next)04-27
Inst Owners96.66%
Inst Owner Change-0.43%
Ins Owners2.27%
Ins Owner Change-2.53%
Market Cap4.03B
Revenue(TTM)N/A
Net Income(TTM)294.70M
Analysts73.33
Price Target48.2 (13.92%)
Short Float %1.96%
Short Ratio2.81
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-DateN/A
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)5.86%
PT rev (3m)11.37%
EPS NQ rev (1m)-0.1%
EPS NQ rev (3m)1.24%
EPS NY rev (1m)1.51%
EPS NY rev (3m)10.25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.1%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.05%
Valuation
Industry RankSector Rank
PE 9.57
Fwd PE 9.66
P/S 0.9
P/FCF 6.01
P/OCF 6.01
P/B 1.55
P/tB 1.55
EV/EBITDA N/A
EPS(TTM)4.42
EY10.45%
EPS(NY)4.38
Fwd EY10.35%
FCF(TTM)7.04
FCFY16.63%
OCF(TTM)7.04
OCFY16.63%
SpS47.25
BVpS27.38
TBVpS27.38
PEG (NY)N/A
PEG (5Y)0.81
Graham Number52.19
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)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-Score7
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-Score7
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)10.78%
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 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%6.6%
Revenue Next Year3.67%
Revenue Next 2Y3.52%
Revenue Next 3Y4.16%
Revenue Next 5YN/A
EBIT growth 1Y13.26%
EBIT growth 3Y0.16%
EBIT growth 5Y12.04%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y18.32%
FCF growth 3Y1.61%
FCF growth 5Y-2.06%
OCF growth 1Y18.32%
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.


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 4 / 10.


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

The Price/Earnings (PE) ratio for CNO FINANCIAL GROUP INC (CNO) is 9.57 and the Price/Book (PB) ratio is 1.55.


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%.