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CNO Financial Group, Inc.

CNO Financial Insurance Life

CNO Financial Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $4.5 billion, up 0.85% from fiscal 2024. In the quarter to June 2026, revenue grew 11.6%, EPS grew 45.2%, free cash flow grew 7.63% and total debt rose 13.3%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three, operating cash flow growth for three.

52.99 0.56 −1.05%
Market cap
$5.0B
P/E
17.8×
Fwd P/E
13.0×
Dividend yield
1.32%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 21.82
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell 3 1 1 4 1 — — 3 1 2 1 —
Insider Ownership 3.88%

Capital & Financial Ratios $m

Market Cap 4,950.00
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 17.84
Fwd P/E 13.00
P/S ratio 1.06
P/B ratio 1.91
Past 5Y EPS Growth 1.74%
This Y EPS Growth 7.69%
Next Y EPS Growth 7.40%
Next Y revenue growth (10.48%) (below 0%: weak)
Next 5Y EPS Growth 8.29%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 90.60%
10-year low 10-year high
P/S against its own 10 years 97.64%
10-year low 10-year high
P/B against its own 10 years 96.12%
10-year low 10-year high

Dividends

Payout Ratio 0.24
Annual Dividend Rate 0.70
Annual Dividend Yield 1.32%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.71
0.17
0.18
0.18
2025 0.67
0.16
0.17
0.17
0.17
2024 0.63
0.15
0.16
0.16
0.16
2023 0.59
0.14
0.15
0.15
0.15
2022 0.55
0.13
0.14
0.14
0.14
2021 0.51
0.12
0.13
0.13
0.13
2020 0.47
0.11
0.12
0.12
0.12
2019 0.43
0.10
0.11
0.11
0.11
2018 0.39
0.09
0.10
0.10
0.10
2017 0.35
0.08
0.09
0.09
0.09
2016 0.31
0.07
0.08
0.08
0.08
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 889 1,998 984 1,306
Receivables 4,041 3,855 3,678 3,569
Inventory — — — —
Other — — — —
4,930 5,852 4,661 4,875
2023 2024 2025 Q'26
Payables 27,692 29,588 31,097 31,706
ST’ Debt — — — —
Other — — — —
27,692 29,588 31,097 31,706

Compound Annual Growth %

10y 5y 3y
Sales 1.64% 3.27% 7.85%
Cash Flow (1.01%) (1.68%) 10.90%
Earnings (1.65%) (5.35%) (28.62%)
Book Value (4.40%) (13.61%) 14.26%

Revenue $m

Mar Jun Sep Dec Year
’26 1,030 1,285 — — —
’25 1,004 1,152 1,189 1,143 4,487
’24 1,157 1,066 1,130 1,097 4,450
’23 1,006 1,023 948 1,171 4,147
’22 843 855 905 974 3,577
’21 1,006 1,073 968 1,075 4,122
’20 717 1,014 1,014 1,076 3,821
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 149 157 — — —
’25 137 146 198 196 676
’24 95 111 231 191 628
’23 82 142 183 177 583
’22 56 111 168 161 495
’21 89 149 241 119 598
’20 126 199 217 194 736
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 149 157 — — —
’25 137 146 198 196 676
’24 95 111 231 191 628
’23 82 142 183 177 583
’22 56 111 168 161 495
’21 89 149 241 119 598
’20 126 199 217 194 736
Fiscal quarters ending in the months shown.

EPS $

Mar Jun Sep Dec Year
’26 0.39 1.33 — — —
’25 0.21 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 1.52 1.99 1.52 0.37 5.36
’21 1.08 0.58 0.77 1.91 3.36
’20 (0.15) 0.57 0.91 0.80 2.11
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 14.30 18.54 13.64 14.01 8.79 21.06 16.56 19.95 24.92 34.63

Analyst estimates 2026–2028

Powerpack
High 20.55 25.83 26.47 19.30 23.50 27.89 26.74 28.39 40.91 44.01
People
People Employees 3,400 3,300 3,300 3,300 3,400 3,350 3,400 3,500 3,500 3,300
Revenue/emp, $m 1.17 1.30 1.31 1.22 1.12 1.23 1.05 1.18 1.27 1.36
Income, $m
Income, $m Revenue 3,985 4,297 4,314 4,016 3,821 4,122 3,577 4,147 4,450 4,487
Gross margin, % 40.01 39.43 22.42 39.81 43.53 48.72 59.19 45.12 47.21 45.07
EBT 353 481 (265) 274 344 733 817 357 540 293
EBT margin, % 8.86 11.18 (6.14) 6.83 9.01 17.78 22.83 8.60 12.13 6.54
Net income 358 176 (315) 409 302 570 631 277 421 229
Depreciation 275 265 292 268 304 237 249 267 292 420
Per share, $
Per share, $ Revenue 22.56 25.27 26.07 25.74 26.89 32.10 30.91 36.61 41.92 45.90
Earnings 2.03 1.03 (1.90) 2.62 2.12 3.43 5.45 2.44 3.81 2.35
Cash flow 4.39 3.72 1.92 4.46 5.18 4.66 4.28 5.15 5.91 6.91
Capex 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Free cash flow 4.39 3.72 1.92 4.46 5.18 4.66 4.28 5.15 5.91 6.91
Book value 25.40 28.51 20.37 29.97 38.60 40.96 15.28 19.56 23.70 26.99
Shares, m 177 170 165 156 142 128 116 113 106 98
Valuation, ×
Valuation, × P/E 9.39 23.77 0.00 6.76 10.34 5.37 4.22 11.47 9.74 17.97
P/S 0.85 0.97 0.57 0.70 0.83 0.74 0.75 0.77 0.89 0.93
P/B 0.76 0.86 0.73 0.60 0.58 0.58 1.51 1.43 1.57 1.57
EV/Sales 1.33 1.39 1.01 1.20 1.29 1.26 1.34 1.35 1.34 1.55
EV/FCF 6.82 9.42 13.74 6.90 6.72 8.66 9.71 9.63 9.52 10.28
Cash, $m
Cash, $m Operating cash flow 776 633 318 697 736 598 495 583 628 676
Capex — — — — — — — — — —
Free cash flow 776 633 318 697 736 598 495 583 628 676
Balance, $m
Balance, $m Working capital (19,720) (20,601) (17,870) (18,973) (19,523) (21,023) (21,905) (22,762) (23,735) (26,436)
Total debt 2,560 2,561 2,563 2,633 2,779 2,853 2,778 3,330 4,022 3,777
Net debt 1,892 1,804 1,906 1,979 1,787 2,121 2,133 2,441 2,025 2,794
Shareholders’ equity 4,487 4,848 3,371 4,677 5,484 5,260 1,769 2,216 2,515 2,638
Returns, %
Returns, % ROA 1.14 0.54 (0.98) 1.26 0.88 1.59 1.82 0.81 1.15 0.60
ROIC 5.34 5.77 (1.32) 4.07 3.89 7.02 15.27 7.99 10.94 6.02
ROE 8.31 3.76 (7.67) 10.17 5.94 10.62 17.94 13.88 17.79 8.90
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

CNO Financial Group, Inc. vs peers in Insurance Life (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
UNM Unum Group $14.7B 21.4× 11.8× +0.26% (above 0%: growing) −16.58% (below 0%: shrinking) +48.17% (above 0%: growing) 35.37% 11.36% Compare
GL Globe Life Inc. $12.8B 10.7× 10.3× +8.00% (above 0%: growing) +20.06% (above 0%: growing) +0.88% (above 0%: growing) 39.24% 24.44% Compare
JXN Jackson Financial Inc. $9.0B 175× 13.1× +135.67% (above 0%: growing) +292.31% (above 0%: growing) +57.63% (above 0%: growing) (630.95%) 411.90% Compare
PRI Primerica, Inc. $8.5B 11.0× 10.9× +9.04% (above 0%: growing) +19.41% (above 0%: growing) +5.06% (above 0%: growing) 82.88% 30.52% Compare
LNC Lincoln National Corporation $7.9B 3.4× 7.0× +12.31% (above 0%: growing) +76.55% (above 0%: growing) −155.08% (below 0%: shrinking) 37.98% 37.98% Compare
CNO CNO Financial Group, Inc. $5.0B 17.8× 13.0× +11.61% (above 0%: growing) +45.16% (above 0%: growing) +7.63% (above 0%: growing) 44.06% 16.73%
GNW Genworth Financial, Inc. $3.7B 17.7× 26.2× +5.85% (above 0%: growing) 0.00% +766.67% (above 0%: growing) 30.09% 7.10% Compare
BHF Brighthouse Financial, Inc. $2.8B 3.9× 3.3× +86.22% (above 0%: growing) +1,520.59% (above 0%: growing) −43,000.00% (below 0%: shrinking) 115.29% 75.59% Compare
FG F&G Annuities & Life, Inc. $2.6B 6.4× 5.8× +4.18% (above 0%: growing) n/m −8.11% (below 0%: shrinking) 16.89% (3.73%) Compare
Median of peers $8.2B 10.9× 10.6× +8.52% +20.06% +2.97% 36.68% 27.48%

All 17 Insurance Life stocks →

CNO Financial Group, Inc. (CNO) key facts

  • Strength: CNO Financial Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $4.5 billion, up 0.85% from fiscal 2024.
  • CNO Financial Group, Inc. (CNO) is an Insurance Life company in the Financial sector, listed on the New York Stock Exchange.
  • As of October 9, 2026, CNO traded at $52.99, a market capitalization of $5.0 billion.
  • CNO Financial Group, Inc. pays an annual dividend of $0.70 per share, a yield of 1.32%, with a payout ratio of 24.1%.
  • Return on equity was 8.90% and debt-to-equity 1.65.
  • Its Piotroski F-score is 5 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

CNO Financial Group, Inc. (CNO) Latest News

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stockrow.com/CNO · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com