CNO FINANCIAL GROUP INC (CNO) Fundamental Analysis & Valuation

NYSE:CNO • US12621E1038

Current stock price

39.55 USD
-1.41 (-3.44%)
At close:
39.55 USD
0 (0%)
After Hours:

This CNO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. CNO Profitability Analysis

1.1 Basic Checks

  • In the past year CNO was profitable.
  • In the past year CNO had a positive cash flow from operations.
  • CNO had positive earnings in each of the past 5 years.
  • CNO had a positive operating cash flow in each of the past 5 years.
CNO Yearly Net Income VS EBIT VS OCF VS FCFCNO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M 600M 800M

1.2 Ratios

  • CNO has a worse Return On Assets (0.57%) than 68.92% of its industry peers.
  • CNO has a worse Return On Equity (8.40%) than 60.14% of its industry peers.
Industry RankSector Rank
ROA 0.57%
ROE 8.4%
ROIC N/A
ROA(3y)0.83%
ROA(5y)1.19%
ROE(3y)12.67%
ROE(5y)16.9%
ROIC(3y)N/A
ROIC(5y)N/A
CNO Yearly ROA, ROE, ROICCNO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20 30

1.3 Margins

  • CNO has a worse Profit Margin (4.87%) than 66.89% of its industry peers.
  • CNO's Profit Margin has declined in the last couple of years.
  • CNO has a Operating Margin of 14.55%. This is in the better half of the industry: CNO outperforms 60.81% of its industry peers.
  • In the last couple of years the Operating Margin of CNO has grown nicely.
Industry RankSector Rank
OM 14.55%
PM (TTM) 4.87%
GM N/A
OM growth 3Y-13.87%
OM growth 5Y3.77%
PM growth 3Y-34%
PM growth 5Y-8.49%
GM growth 3YN/A
GM growth 5YN/A
CNO Yearly Profit, Operating, Gross MarginsCNO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 20

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2

2. CNO Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for CNO has been reduced compared to 1 year ago.
  • Compared to 5 years ago, CNO has less shares outstanding
  • CNO has a better debt/assets ratio than last year.
CNO Yearly Shares OutstandingCNO Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
CNO Yearly Total Debt VS Total AssetsCNO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.2 Solvency

  • The Debt to FCF ratio of CNO is 6.00, which is a neutral value as it means it would take CNO, 6.00 years of fcf income to pay off all of its debts.
  • CNO has a Debt to FCF ratio of 6.00. This is in the lower half of the industry: CNO underperforms 68.24% of its industry peers.
  • CNO has a Debt/Equity ratio of 1.54. This is a high value indicating a heavy dependency on external financing.
  • CNO has a worse Debt to Equity ratio (1.54) than 91.22% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.54
Debt/FCF 6
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
CNO Yearly LT Debt VS Equity VS FCFCNO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CNO Yearly Current Assets VS Current LiabilitesCNO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M

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5

3. CNO Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 10.78% over the past year.
  • CNO shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.80% yearly.
  • CNO shows a small growth in Revenue. In the last year, the Revenue has grown by 0.48%.
  • Measured over the past years, CNO shows a small growth in Revenue. The Revenue has been growing by 3.44% on average per year.
EPS 1Y (TTM)10.78%
EPS 3Y23.97%
EPS 5Y11.8%
EPS Q2Q%12.21%
Revenue 1Y (TTM)0.48%
Revenue growth 3Y8.15%
Revenue growth 5Y3.44%
Sales Q2Q%4.18%

3.2 Future

  • Based on estimates for the next years, CNO will show a quite strong growth in Earnings Per Share. The EPS will grow by 9.54% on average per year.
  • Based on estimates for the next years, CNO will show a small growth in Revenue. The Revenue will grow by 4.06% on average per year.
EPS Next Y-0.12%
EPS Next 2Y4.88%
EPS Next 3Y7.63%
EPS Next 5Y9.54%
Revenue Next Year3.65%
Revenue Next 2Y3.48%
Revenue Next 3Y3.48%
Revenue Next 5Y4.06%

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
CNO Yearly Revenue VS EstimatesCNO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 1B 2B 3B 4B
CNO Yearly EPS VS EstimatesCNO Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6

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5

4. CNO Valuation Analysis

4.1 Price/Earnings Ratio

  • CNO is valuated reasonably with a Price/Earnings ratio of 8.95.
  • Based on the Price/Earnings ratio, CNO is valued a bit cheaper than the industry average as 61.49% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 24.88. CNO is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 8.96 indicates a reasonable valuation of CNO.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CNO is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.19, CNO is valued rather cheaply.
Industry RankSector Rank
PE 8.95
Fwd PE 8.96
CNO Price Earnings VS Forward Price EarningsCNO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, CNO is valued a bit cheaper than 61.49% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.52
EV/EBITDA N/A
CNO Per share dataCNO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.76
EPS Next 2Y4.88%
EPS Next 3Y7.63%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. CNO Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.70%, CNO has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.84, CNO has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.90, CNO has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.7%

5.2 History

  • The dividend of CNO is nicely growing with an annual growth rate of 7.36%!
  • 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)7.36%
Div Incr Years12
Div Non Decr Years12
CNO Yearly Dividends per shareCNO Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • 29.89% of the earnings are spent on dividend by CNO. This is a low number and sustainable payout ratio.
  • The dividend of CNO is growing, but earnings are growing more, so the dividend growth is sustainable.
DP29.89%
EPS Next 2Y4.88%
EPS Next 3Y7.63%
CNO Yearly Income VS Free CF VS DividendCNO Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M -200M 400M 600M
CNO Dividend Payout.CNO Dividend Payout, showing the Payout Ratio.CNO Dividend Payout.PayoutRetained Earnings

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CNO Fundamentals: All Metrics, Ratios and Statistics

CNO FINANCIAL GROUP INC

NYSE:CNO (3/27/2026, 8:09:06 PM)

After market: 39.55 0 (0%)

39.55

-1.41 (-3.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-05
Earnings (Next)04-27
Inst Owners96.34%
Inst Owner Change-0.39%
Ins Owners2.38%
Ins Owner Change5.51%
Market Cap3.73B
Revenue(TTM)4.55B
Net Income(TTM)221.50M
Analysts73.33
Price Target49.22 (24.45%)
Short Float %2.05%
Short Ratio2.96
Dividend
Industry RankSector Rank
Dividend Yield 1.7%
Yearly Dividend0.68
Dividend Growth(5Y)7.36%
DP29.89%
Div Incr Years12
Div Non Decr Years12
Ex-Date03-10
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)29.96%
Min EPS beat(2)20.6%
Max EPS beat(2)39.32%
EPS beat(4)3
Avg EPS beat(4)15.15%
Min EPS beat(4)-0.86%
Max EPS beat(4)39.32%
EPS beat(8)6
Avg EPS beat(8)17.84%
EPS beat(12)8
Avg EPS beat(12)13.43%
EPS beat(16)10
Avg EPS beat(16)13.3%
Revenue beat(2)2
Avg Revenue beat(2)16.87%
Min Revenue beat(2)12.84%
Max Revenue beat(2)20.9%
Revenue beat(4)4
Avg Revenue beat(4)13.04%
Min Revenue beat(4)1.91%
Max Revenue beat(4)20.9%
Revenue beat(8)8
Avg Revenue beat(8)15.09%
Revenue beat(12)12
Avg Revenue beat(12)13.84%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)2.12%
PT rev (3m)11.18%
EPS NQ rev (1m)0.27%
EPS NQ rev (3m)0.54%
EPS NY rev (1m)0.8%
EPS NY rev (3m)0.77%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)0.07%
Valuation
Industry RankSector Rank
PE 8.95
Fwd PE 8.96
P/S 0.82
P/FCF 5.52
P/OCF 5.52
P/B 1.41
P/tB 1.41
EV/EBITDA N/A
EPS(TTM)4.42
EY11.18%
EPS(NY)4.41
Fwd EY11.16%
FCF(TTM)7.17
FCFY18.12%
OCF(TTM)7.17
OCFY18.12%
SpS48.23
BVpS27.98
TBVpS27.98
PEG (NY)N/A
PEG (5Y)0.76
Graham Number52.75
Profitability
Industry RankSector Rank
ROA 0.57%
ROE 8.4%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 14.55%
PM (TTM) 4.87%
GM N/A
FCFM 14.86%
ROA(3y)0.83%
ROA(5y)1.19%
ROE(3y)12.67%
ROE(5y)16.9%
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)1.91%
ROCE(5y)2.08%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-13.87%
OM growth 5Y3.77%
PM growth 3Y-34%
PM growth 5Y-8.49%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.12
Health
Industry RankSector Rank
Debt/Equity 1.54
Debt/FCF 6
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 250
Cash Conversion N/A
Profit Quality 305.06%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
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)218.22%
Profit Quality(5y)167.63%
High Growth Momentum
Growth
EPS 1Y (TTM)10.78%
EPS 3Y23.97%
EPS 5Y11.8%
EPS Q2Q%12.21%
EPS Next Y-0.12%
EPS Next 2Y4.88%
EPS Next 3Y7.63%
EPS Next 5Y9.54%
Revenue 1Y (TTM)0.48%
Revenue growth 3Y8.15%
Revenue growth 5Y3.44%
Sales Q2Q%4.18%
Revenue Next Year3.65%
Revenue Next 2Y3.48%
Revenue Next 3Y3.48%
Revenue Next 5Y4.06%
EBIT growth 1Y-15.99%
EBIT growth 3Y-6.85%
EBIT growth 5Y7.34%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y7.65%
FCF growth 3Y10.9%
FCF growth 5Y-1.68%
OCF growth 1Y7.65%
OCF growth 3Y10.9%
OCF growth 5Y-1.68%

CNO FINANCIAL GROUP INC / CNO Fundamental Analysis FAQ

What is the ChartMill fundamental rating of CNO FINANCIAL GROUP INC (CNO) stock?

ChartMill assigns a fundamental rating of 4 / 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 3 / 10.


Can you provide the PE and PB ratios for CNO stock?

The Price/Earnings (PE) ratio for CNO FINANCIAL GROUP INC (CNO) is 8.95 and the Price/Book (PB) ratio is 1.41.


Is the dividend of CNO FINANCIAL GROUP INC sustainable?

The dividend rating of CNO FINANCIAL GROUP INC (CNO) is 7 / 10 and the dividend payout ratio is 29.89%.