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CNO Financial Group, Inc. (CNO) vs Primerica, Inc. (PRI)

CNO Financial Group, Inc. and Primerica, Inc. are both Insurance Life companies. Primerica, Inc. is the larger, with a market value of $8.9B against $5.2B — 1.7× the size. Primerica, Inc. trades at the lower P/E: 11.3× against 12.6×. Primerica, Inc. grew revenue faster over the last twelve months: 8.27% against 2.31%. Primerica, Inc. has the higher net margin (22.9% vs 9.19%) and the higher return on invested capital (17.5% vs 8.79%). Both pay a dividend; Primerica, Inc. yields more (1.61% vs 1.24%). Across the 21 metrics below, Primerica, Inc. leads on 15 and CNO Financial Group, Inc. on 6.

Valuation

Metric CNO PRI Insurance Life median
P/E 12.59 11.34 11.34
P/S 1.14 2.53 0.81
P/B 2.24 3.13 1.08
Price to free cash flow 7.43 9.48 7.43
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.95% 8.82% 8.82%
Free cash flow yield 13.45% 10.54% 13.20%

Profitability

Metric CNO PRI Insurance Life median
Gross margin 47.58% 0.00% 30.01%
Operating margin 16.80% 0.00% 8.83%
Net margin 9.19% 22.86% 9.93%
Free cash flow margin 0.00% 26.70% 15.40%
Return on equity 16.93% 31.18% 8.47%
Return on assets 1.08% 5.45% 0.50%
Return on invested capital 8.79% 17.54% 7.11%

Growth

Metric CNO PRI Insurance Life median
Revenue growth (TTM) 2.31% 8.27% 4.80%
EPS growth (last fiscal year) (38.50%) 67.10% (3.45%)
Revenue growth, 5-year CAGR 3.27% 8.22% 1.33%
Net income growth, 5-year CAGR (5.35%) 14.33% 0.00%

Health

Metric CNO PRI Insurance Life median
Debt to equity 1.95 0.57 0.48
Current ratio 0.16 0.33 0.21
Net debt to EBITDA 2.96 0.76 0.12

Dividend

Metric CNO PRI Insurance Life median
Dividend yield 1.24% 1.61% 2.28%
Payout ratio 0.16 0.18 0.28

Size

Metric CNO PRI Insurance Life median
Market cap 5.17b 8.89b 7.96b

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