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Company Analysis

CNO Financial Group, Inc. CNO

A comprehensive view of key metrics, scores, and financial health for CNO Financial Group, Inc.

Overview of CNO Financial Group, Inc.

CNO NYQ
Financial Services Insurance - Life Mid Cap
CNO Financial Group, Inc. (CNO), is a Mid Cap company, in the Insurance - Life industry, last closed at $39.87, about 30.3% overvalued vs fair value, -3.6% 1Y return, ranked 313/1004 in sector.
$39.87
0.25%
As of March 13, 2026
Previous close • Vol 90d: 25.3%
52-Week Range
Market Cap
$3.80B
Enterprise Value
$6.87B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.cnoinc.com
HQ Carmel, IN
Employees 3,300
Fiscal year Dec 31

Next Events

Dividend Mar 24
Earnings Apr 27 Estimated

Fair Value Snapshot

Bear Base Bull
$15
$28
$52
Current: $39.87 -30% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$218.5M
12.7%%
Interest Expense
$230.9M
Net Interest Income
$-230.9M
9.2%%
Total Revenue
$4.5B
0.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
16.2%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$397.6M
98.4% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
1
Active Leaks
1/1
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating CNO Financial Group, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
50
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
47
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 96% Coverage
Trade-Off Triangle Visualization A ternary plot showing CNO's balance between Growth (26.8%), Profitability (33.6%), and Safety (39.7%). Growth 27% Safety 40% Profitability 34%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

41th percentile vs peers
41
Key Signals
Revenue CAGR 3Y 7.8% 82p EPS CAGR 3Y -24.6% 38p Rev Growth YoY 0.9% 17p EPS Growth YoY -38.5% 25p TSR 16.0% 43p
Strengths
  • Revenue Cagr 3Y in top 20% of peers (7.8%, 82th percentile)
  • D/E Ratio in top 20% of peers (1.54, 91th percentile)
  • Superior capital returns - 2 return metrics above peer median
  • Current Ratio in top 20% of peers ($2.1K, 95th percentile)
Risks
  • Rev Growth Yoy in bottom 20% of peers (0.9%)

Profitability

51th percentile vs peers
51
Key Signals
Strengths
Risks
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Safety

60th percentile vs peers
61
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for CNO Financial Group, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$27.79
- - -
-30.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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