CNO FINANCIAL GROUP INC (CNO)       22.66  +0.03 (+0.13%)

22.66  +0.03 (+0.13%)

US12621E1038 - Common Stock - After market: 22.66 0 (0%)


Fundamental Rating

4

Taking everything into account, CNO scores 4 out of 10 in our fundamental rating. CNO was compared to 143 industry peers in the Insurance industry. CNO has a medium profitability rating, but doesn't score so well on its financial health evaluation. CNO is not valued too expensively and it also shows a decent growth rate.




Profitability

Profitability Rating

6

CNO's Return On Assets of 1.42% is amongst the best of the industry. CNO does better than the industry average Return On Assets of 0.87%.
CNO's Return On Equity of 36.15% is amongst the best returns of the industry. CNO outperforms 94% of its industry peers. The industry average return on equity is 13.23%.

CNO has a Profit Margin of 12.80%. This is better than the industry average of 8.64%.
CNO has a Piotroski-F score of 4.00. This indicates an average health and profitability for CNO.
VS Industry

ROA (1.42%) VS Industry: 61% outperformed.

-93.12
28.75

ROE (36.15%) VS Industry: 94% outperformed.

0.42
97.81

Profit Margin (12.8%) VS Industry: 68% outperformed.

-285.34
123.31

Valuation

Valuation Rating

6

The Price/Earnings Ratio is 8.62, which indicates a very decent valuation of CNO.
The Forward Price/Earnings Ratio of 9.75 indicates a rather cheap valuation of CNO.
CNO's low PEG Ratio, which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

CNO's Price/Earning Ratio is in line with the industry average which is at 10.27.
When comparing the current price to the book value of CNO, we can conclude it is valued correctly. It is trading at 2.00 times its book value.
When comparing the price book ratio of CNO to the average industry price book ratio of 1.12, CNO is valued more expensive than its industry peers.
VS Industry

Price/Earnings (8.62) VS Industry: 59% outperformed.

81.18
0.62

Price/Book (2) VS Industry: 22% outperformed.

135.62
0.10

Growth

Growth Rating

4

Measured over the past 5 years, CNO shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.60% on average per year.
The Revenue growth is accelerating: in the next 5 years the growth will be better than in the last years.
The Earnings Per Share has been growing slightly by 3.54% over the past year.
Based on estimates for the next 5 years, CNO will show a small growth in Earnings Per Share. The EPS will grow by 0.89% on average per year.

CNO shows a small growth in Revenue. Measured over the last 5 years, the Revenue has been growing by 0.41% yearly.
The Revenue is expected to grow by 0.86% on average over the next 5 years.
When comparing the EPS growth rate of the last years to the growth rate of the upcoming 5 years, we see that the growth is decreasing.
The Revenue for CNO has decreased by -10.49% in the past year. This is quite bad

PastFuture
5Y3Y1Y1Y2Y3Y5Y
EPS13.6% N/A 3.54% -16.19% -8.9% -2.09% 0.89%
Revenue0.41% -1.69% -10.49% 0.38% 1.29% 1.39% 0.86%

Health

Health Rating

1

CNO has a Piotroski-F score of 4.00. This indicates an average health and profitability for CNO.

CNO has one of the worst Debt to Equity ratios in its industry. 98% of its industry peers require less debt for financing their operations.
VS Industry

Debt/Equity (3) VS Industry: 2% outperformed.

17.94
0.00

Dividend

Dividend Rating

6

The dividend of CNO is nicely growing with an annual growth rate of 9.35%!
CNO pays out 13.75% of its income as dividend. This is a sustainable payout ratio.
CNO has been paying a dividend for at least 10 years, so it has a reliable track record.
With a Yearly Dividend Yield of 2.41%, CNO has a reasonable but not impressive dividend return.

CNO's Dividend Yield is comparable with the industry average which is at 2.32.
Compared to an average S&P500 Dividend Yield of 2.43, CNO has a dividend comparable with the average S&P500 company.
The Dividend Rate of CNO has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.
VS Industry

Dividend Yield (2.41%) VS Industry: 51% outperformed.

0.07
78.69
CNO Daily chart

CNO FINANCIAL GROUP INC22.66

NYSE:CNO (12/8/2022, 7:04:01 PM)+0.03 (+0.13%)

After market: 22.66 0 (0%)

Chartmill FA Rating
GICS Sector Financials
GICS IndustryGroup Insurance
GICS Industry Insurance
Earnings (Last) 10-31 2022-10-31/amc Earnings (Next) 02-06 2023-02-06
Ins Owners 1.79% Inst Owners 98.26%
Market Cap 2.59B Analysts 70
Valuation
PE 8.62 Fwd PE 9.75
PEG (NY) N/A PEG (5Y) 0.63
P/S 0.71 P/B 2
EV/EBITDA N/A
Dividend
Dividend Yield 2.41% Dividend Growth 9.35%
DP 13.75% Ex-Date 12-08 2022-12-08 (0.14)
Growth
EPS 1Y 3.54% EPS 3Y N/A
EPS 5Y 13.6% EPS growth Q2Q -31.94%
EPS Next Y -16.19% EPS Next 2Y -8.9%
EPS Next 3Y -2.09% EPS Next 5Y 0.89%
Revenue growth 1Y -10.49% Revenue growth 3Y -1.69%
Revenue growth 5Y 0.41% Revenue growth Q2Q -5.8%
Revenue Next Year 0.38% Revenue Next 2Y 1.29%
Revenue Next 3Y 1.39% Revenue Next 5Y 0.86%
Health
Current Ratio N/A Quick Ratio N/A
Altman-Z N/A F-Score 4
Debt/Equity 3 WACC N/A
ROIC/WACC N/A
Profitability
ROA 1.42% ROE 36.15%
ROICexgc N/A ROIC N/A
PM 12.8% OM 19.41%
Asset Turnover 0.11

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