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CNO Financial Group, Inc. CNO

Financial — Insurance Life
Dividend Champion (5y) Cash Flow Champion (3y)
Growth Flags show if company had growth for consecutive years

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Insider Decisions

Total sells
21.82
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — 3 1 1 4 1 — — 3 1 2 1
Insider Ownership
3.88%

Capital & Financial Ratios

Market Cap
5,140.00
Revenue
4,646.60
Net Income
279.60
Free Cash Flow
698.90
Net Debt
2,972.00
Current Ratio
0.15
Debt/Equity
1.65
P/E ratio
18.71
P/S ratio
1.11
P/B ratio
2.00
Past 5Y EPS Growth
7.48%
This Y EPS Growth
7.72%
Next Y EPS Growth
7.37%
Next 5Y EPS Growth
8.20%
in millions of $

Dividends

Payout Ratio
1.14
Annual Dividend Rate
0.60
Annual Dividend Yield
2.34%
total individual payouts
2028 ‡‡‡
2027 ‡‡‡‡
2026 0.71
—
—
—
2025 0.67
—
—
—
—
2024 0.63
—
—
—
—
2023 0.59
—
—
—
—
2022 0.55
—
—
—
—
2021 0.51
—
—
—
—
2020 0.47
—
—
—
—
2019 0.43
—
—
—
—
2018 0.39
—
—
—
—
2017 0.35
—
—
—
—
2016 0.31
—
—
—
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 889.00 1,997.70 983.50 1,306.00
Receivables 4,040.70 3,854.70 3,677.50 3,568.50
Inventory — — — —
Other — — — —
4,929.70 5,852.40 4,661.00 4,874.50
2023 2024 2025 Q'26
Payables 27,691.90 29,587.60 31,097.00 31,706.40
ST’ Debt — — — —
Other — — — —
27,691.90 29,587.60 31,097.00 31,706.40
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 1,029.60 1,285.20 — —
—
’25 1,004.10 1,151.50 1,188.70 1,143.10
4,487.40
’24 1,156.50 1,066.20 1,129.60 1,097.20
4,449.50
’23 1,006.00 1,022.80 947.50 1,170.50
4,146.80
’22 842.90 855.00 905.30 973.60
3,576.80
’21 1,006.00 1,073.10 968.30 1,074.80
4,122.20
’20 717.20 1,014.20 1,013.50 1,076.20
3,821.10
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 148.80 156.60 — —
—
’25 136.70 145.50 197.80 195.70
675.70
’24 94.60 110.90 231.20 191.00
627.70
’23 81.90 141.50 182.80 176.70
582.90
’22 56.40 110.60 167.50 160.90
495.40
’21 89.40 148.90 240.70 119.30
598.30
’20 125.70 199.30 216.80 193.70
735.50
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 148.80 156.60 — —
—
’25 136.70 145.50 197.80 195.70
675.70
’24 94.60 110.90 231.20 191.00
627.70
’23 81.90 141.50 182.80 176.70
582.90
’22 56.40 110.60 167.50 160.90
495.40
’21 89.40 148.90 240.70 119.30
598.30
’20 125.70 199.30 216.80 193.70
735.50
in millions of $

EPS

Mar Jun Sep Dec Year
’26 0.39 1.33 — —
—
’25 0.13 0.91 0.24 0.95
2.30
’24 1.01 1.06 0.09 1.58
3.74
’23 (0.01) 0.64 1.46 0.32
2.40
’22 0.93 1.16 0.91 0.37
3.37
’21 1.08 0.58 0.77 0.93
3.36
’20 (0.15) 0.57 0.91 0.80
2.11

Target Price Range

High
‡‡‡‡‡
‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

2.7
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ 16.56 19.95 24.92 34.63 — — —
Low Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ 26.74 28.39 40.91 44.01 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3,400 3,500 3,500 3,300 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.05 1.18 1.27 1.36 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3,576.80 4,146.80 4,449.50 4,487.40 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 59.19% 45.12% 47.21% 45.07% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 816.50 356.80 539.90 293.40 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 22.83% 8.60% 12.13% 6.54% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 630.60 276.50 420.80 229.30 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 248.50 267.40 292.40 420.40 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 30.91 36.61 41.92 45.90 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ 3.43 2.44 3.81 2.35 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.28 5.15 5.91 6.91 — — —
Cash Flow/Sh
‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ 0.00 0.00 0.00 0.00 ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.28 5.15 5.91 6.91 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 15.28 19.56 23.70 26.99 ‡‡‡‡ — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 115.73 113.28 106.14 97.76 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6.74 11.49 9.74 18.55 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.75 0.77 0.89 0.93 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.51 1.43 1.57 1.57 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.34 1.35 1.34 1.55 ‡‡‡‡ ‡‡‡‡ ‡‡‡
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9.71 9.63 9.52 10.28 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 495.40 582.90 627.70 675.70 ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
— — — — — — — — — — — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 495.40 582.90 627.70 675.70 ‡‡‡‡‡ — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (21,905.20) (22,762.20) (23,735.20) (26,436.00) — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,778.30 3,329.80 4,022.30 3,777.30 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,133.40 2,440.80 2,024.60 2,793.80 — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,768.80 2,215.60 2,515.20 2,638.20 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.82% 0.81% 1.15% 0.60% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 15.27% 7.99% 10.94% 6.02% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 17.94% 13.88% 17.79% 8.90% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

CNO Financial Group has staged an impressive stock comeback, doubling from sub-$10 pandemic lows to around $40 today, fueled by aggressive share buybacks that slashed outstanding shares by over 40% since 2016 and masked stagnant revenue hovering at $3.5-4.5 billion. Yet, this rally raises red flags: profitability inflated by one-off windfalls like tax releases and investment gains rather than core operations, ballooning debt to $4 billion amid mediocre ROA and ROIC, and a torrent of insider selling—$17 million worth, led by the CEO—with zero buys signaling potential overvaluation.

Revenue swings with insurance cycles, rebounding to $4.45 billion in 2024 on annuity sales and higher rates, but analyst forecasts predict a near-term stutter, dropping 10% in 2026 before modest recovery. Valuation appears cheap at 9.7x PE and 0.89x PS, trading at a discount to peers, yet leverage risks and volatile margins expose vulnerabilities to claims inflation, rate cuts, or lapses in Medicare supplements.

Analysts see modest 12% upside, but contrarians warn of a buyback phoenix at risk of clipping wings without insider conviction or debt discipline—especially if billion-dollar profit blips normalize, halving EPS. Is CNO’s story resilient recovery or a house of cards? Dive into the full analysis for the charts, projections, and tells that could make or break this insurance veteran’s next chapter.

Read full commentary →

CNO Financial Group, Inc. (CNO) Latest News

News by impact score

Fine-tune

10 Sep

3 , 1:45 PM
CNO Financial Group (NYSE:CNO) reported Q2 results as part of life insurance sector highlights, covering key performance metrics for the period. Q2 performance data can moderately affect investor views on CNO's earnings trajectory and sector positioning.

1 Sep

3 www.marketbeat.com, 2:02 PM
CNO Financial Group outlines expansion plans targeting worksite and Medicare insurance markets to support future growth. Strategic focus on worksite and Medicare segments indicates moderate influence on CNO's positioning and performance.

17 Aug

3 , 12:37 PM
Accelerant is going private one year after its IPO. Accelerant privatization may moderately affect CNO operations and market views.

12 Aug

3 , 11:35 AM
CNO Financial shares draw prudent investors due to the company's solid financial position and favorable market conditions supporting long-term value in insurance and financial services. Investor attraction to CNO shares may lift short-term sentiment and valuation without fundamentally shifting operations or competitive standing.

7 Aug

3 transcript www.fool.com, 9:47 PM
CNO Financial Group, Inc. issued its Q2 2026 earnings call transcript covering financial results, operational updates and forward outlook. Quarterly earnings calls deliver performance metrics and guidance that moderately shape near-term valuation and sentiment.

6 Aug

3 , 2:09 AM
CNO Financial Group may be 12% undervalued following raised 2026 EPS guidance. Raised 2026 EPS guidance indicates improved future earnings outlook that can lift investor sentiment and valuation.

5 Aug

4 , 2:10 AM
CNO Financial Group posted strong Q2 results, executed share buybacks, and raised EPS guidance, raising questions on whether these factors change its investment case. Strong Q2 results, buybacks, and higher EPS guidance represent major financial moves likely to shift company trajectory and investor sentiment.

4 Aug

3 , 12:37 PM
CNO Financial Group posted Q2 results driven by momentum in Medicare Supplement products and strength in its distribution model. Medicare Supplement momentum and distribution model gains indicate moderate ongoing operational improvement for CNO.

31 Jul

4 , 7:01 PM
CNO Financial Group reported record sales during its Q2 2026 earnings call and raised its financial guidance. Record sales and raised guidance signal stronger operating results that can materially lift valuation and outlook.

3 transcript www.marketbeat.com, 1:04 PM
CNO Financial Group held Q2 earnings call detailing financial results, operational updates and forward outlook. Quarterly earnings data and guidance directly shape near-term investor views and stock movement for CNO.

3 transcript app.moby.co, 8:30 AM
CNO Financial Group, Inc. conducted its Q2 2026 earnings call covering quarterly financial results, operational metrics and forward outlook. Quarterly earnings calls release core financial data that can shift near-term investor views without altering long-term strategy.

30 Jul

3 , 5:10 PM
CNO Financial Group’s Q2 CY2026 sales beat estimates. Sales beat indicates stronger quarterly revenue than expected and may lift near-term investor sentiment.

3 , 4:15 PM
CNO Financial Group released second quarter 2026 financial results. Quarterly results supply performance metrics that affect investor views and near-term valuation.

29 Jul

3 , 12:45 PM
CNO Financial Group earnings report upcoming with focus on revenue, EPS, and segment performance metrics. Earnings preview sets investor expectations ahead of results.

14 Jul

3 , 9:55 AM
Accelerant partners with WoodStar to advance fee-based model in development tied to CNO Financial Group operations. WoodStar partnership advances Accelerant fee-based model with moderately noticeable effects on CNO positioning.

8 Jun

3 Simply Wall St., 2:10 PM
CNO Financial Group beat Q1 earnings but insider selling may undermine the prior bull case and alter positive investor outlook. Q1 earnings beat offset by insider selling signals moderate short-term shifts in sentiment without fundamentally redefining company trajectory.

3 Jun

3 Simply Wall St., 6:07 AM
Evercore ISI upgrades CNO Financial Group rating on long term care strength, triggering fresh valuation assessment of the company. Analyst rating upgrade tied to long term care performance can lift near-term investor sentiment and share price.

7 May

4 Simply Wall St., 4:11 PM
CNO Financial Group beat earnings expectations and announced its 14th consecutive dividend increase, signaling strong financial health and boosting investor confidence in future performance. Earnings beat combined with 14th straight dividend hike demonstrates sustained profitability and shareholder commitment, likely enhancing stock valuation and market position.

6 May

3 PR Newswire, 4:15 PM
CNO Financial Group, Inc. (CNO) announced an increase in its quarterly dividend to $0.18 per share. Dividend increase signals financial confidence and may moderately boost investor sentiment and stock performance.

5 May

4 Zacks, 11:40 AM
CNO Financial Group beat Q1 earnings estimates due to higher life and health premiums. Beating earnings on core premium growth boosts investor confidence and signals stronger financial trajectory.

3 May

4 StockStory, 11:48 AM
CNO Financial Group's Q1 results showcase robust growth in Medicare Supplement business and product diversification as primary drivers of performance. Medicare Supplement expansion and product diversification represent major strategic advancements boosting CNO's financial performance and competitive positioning.

2 May

4 GuruFocus.com, 3:03 AM
CNO Financial Group Inc (CNO) highlighted strong earnings growth and positive financial metrics in its Q1 2026 earnings call. Strong Q1 2026 earnings growth indicates robust financial performance poised to enhance investor sentiment and future market trajectory.

1 May

4 transcript www.fool.com, 12:23 PM
CNO Financial Group, Inc. (CNO) released the transcript of its Q1 2026 earnings call, detailing quarterly financial results, management commentary, and analyst Q&A. Earnings call transcripts reveal quarterly performance, forward guidance, and strategic updates that can substantially sway investor sentiment and stock trajectory.

4 app.moby.co, 8:30 AM
CNO Financial Group, Inc. released Q1 2026 earnings call summary highlighting financial performance, strategic updates, and future outlook. Q1 2026 earnings call summary discloses financial results and guidance directly influencing investor sentiment and stock trajectory.

3 www.marketbeat.com, 2:53 PM
CNO Financial Group released highlights from its Q1 earnings call, covering financial results, strategic updates, and forward guidance. Q1 earnings call highlights reveal financial performance and outlook that moderately influence investor sentiment and stock trajectory.

30 Apr

4 PR Newswire, 4:15 PM
CNO Financial Group reported first quarter 2026 results. Quarterly earnings reports like Q1 2026 results significantly influence CNO's stock performance and investor sentiment.

3 Zacks, 6:25 PM
CNO Financial Group, Inc. (CNO) Q1 earnings and revenues beat estimates. Beating Q1 earnings and revenue estimates moderately boosts financial performance and investor sentiment.

3 StockStory, 5:27 PM
CNO Financial Group (NYSE:CNO) surprised markets with strong Q1 CY2026 sales results. Q1 sales surprise moderately influences CNO's financial performance and market sentiment.

8 Apr

3 Business Wire, 2:58 PM
AM Best affirms credit ratings of CNO Financial Group, Inc. and its life/health subsidiaries. Affirmation of credit ratings by AM Best signals ongoing financial stability, moderately boosting investor confidence and market perception.

31 Mar

3 Zacks, 10:34 AM
ORI outperforms the industry and trades at a discount, offering strategic investment plays for the stock. Outperformance against industry benchmarks combined with undervaluation signals moderate boost to investor sentiment and stock trajectory.
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