CNO FINANCIAL GROUP INC (CNO) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CNO - US12621E1038 - Common Stock
43.4 USD
-0.51 (-1.16%)
43.4 USD
0 (0%)
Overall CNO gets a fundamental rating of 3 out of 10. We evaluated CNO against 146 industry peers in the Insurance industry. There are concerns on the financial health of CNO while its profitability can be described as average. CNO has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
CNO had positive earnings in the past year.
In the past year CNO had a positive cash flow from operations.
CNO had positive earnings in each of the past 5 years.
In the past 5 years CNO always reported a positive cash flow from operatings.
1.2 Ratios
CNO has a worse Return On Assets (0.77%) than 64.19% of its industry peers.
CNO has a Return On Equity (11.29%) which is comparable to the rest of the industry.
| Industry Rank | Sector 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
1.3 Margins
The Profit Margin of CNO (6.54%) is comparable to the rest of the industry.
CNO's Profit Margin has declined in the last couple of years.
CNO has a better Operating Margin (16.49%) than 64.86% of its industry peers.
In the last couple of years the Operating Margin of CNO has grown nicely.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
The number of shares outstanding for CNO has been reduced compared to 1 year ago.
CNO has less shares outstanding than it did 5 years ago.
The debt/assets ratio for CNO is higher compared to a year ago.
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.
With a Debt to FCF ratio value of 6.04, CNO is not doing good in the industry: 66.22% of the companies in the same industry are doing better.
CNO has a Debt/Equity ratio of 1.55. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.55, CNO is not doing good in the industry: 91.22% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.55 | ||
| Debt/FCF | 6.04 | ||
| 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
The Earnings Per Share has grown by an nice 10.36% over the past year.
The Earnings Per Share has been growing by 16.49% on average over the past years. This is quite good.
The Revenue has decreased by -1.70% in the past 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
The Earnings Per Share is expected to grow by 8.38% on average over the next years. This is quite good.
CNO is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.95% yearly.
EPS Next Y3.5%
EPS Next 2Y4.89%
EPS Next 3Y7.44%
EPS Next 5Y8.38%
Revenue Next Year3.35%
Revenue Next 2Y3.49%
Revenue Next 3Y3.45%
Revenue Next 5Y3.95%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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 10.19.
Based on the Price/Earnings ratio, CNO is valued a bit cheaper than the industry average as 63.51% of the companies are valued more expensively.
CNO's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.19.
CNO is valuated reasonably with a Price/Forward Earnings ratio of 9.89.
The rest of the industry has a similar Price/Forward Earnings ratio as CNO.
The average S&P500 Price/Forward Earnings ratio is at 23.92. CNO is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.19 | ||
| Fwd PE | 9.89 |
4.2 Price Multiples
CNO's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CNO is cheaper than 66.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.17 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)2.91
PEG (5Y)0.62
EPS Next 2Y4.89%
EPS Next 3Y7.44%
5. Dividend
5.1 Amount
CNO has a Yearly Dividend Yield of 1.55%.
Compared to an average industry Dividend Yield of 2.42, CNO has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.92, CNO has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.55% |
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
5.3 Sustainability
CNO pays out 22.53% of its income as dividend. This is a sustainable payout ratio.
The dividend of CNO is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP22.53%
EPS Next 2Y4.89%
EPS Next 3Y7.44%
43.4
-0.51 (-1.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners96.66%
Inst Owner Change0.36%
Ins Owners2.27%
Ins Owner Change-2.56%
Market Cap4.14B
Revenue(TTM)4.51B
Net Income(TTM)294.70M
Analysts73.33
Price Target45.29 (4.35%)
Short Float %1.86%
Short Ratio2.59
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.55% |
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)2.3%
PT rev (3m)4.72%
EPS NQ rev (1m)-0.64%
EPS NQ rev (3m)0.86%
EPS NY rev (1m)0%
EPS NY rev (3m)8.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.2%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.19 | ||
| Fwd PE | 9.89 | ||
| P/S | 0.92 | ||
| P/FCF | 6.17 | ||
| P/OCF | 6.17 | ||
| P/B | 1.58 | ||
| P/tB | 1.58 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.26
EY9.82%
EPS(NY)4.39
Fwd EY10.11%
FCF(TTM)7.04
FCFY16.21%
OCF(TTM)7.04
OCFY16.21%
SpS47.25
BVpS27.38
TBVpS27.38
PEG (NY)2.91
PEG (5Y)0.62
Graham Number51.23
Profitability
| Industry Rank | Sector 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 Rank | Sector 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)10.36%
EPS 3Y12.53%
EPS 5Y16.49%
EPS Q2Q%16.22%
EPS Next Y3.5%
EPS Next 2Y4.89%
EPS Next 3Y7.44%
EPS Next 5Y8.38%
Revenue 1Y (TTM)-1.7%
Revenue growth 3Y3.34%
Revenue growth 5Y2.35%
Sales Q2Q%4.03%
Revenue Next Year3.35%
Revenue Next 2Y3.49%
Revenue Next 3Y3.45%
Revenue Next 5Y3.95%
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 10.19 and the Price/Book (PB) ratio is 1.58.
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%.