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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 Framework: Insurance & Reinsurance Mid Cap
CNO Financial Group, Inc. (CNO), is a Mid Cap company, in the Insurance - Life industry, last closed at $58.49, about 51.7% overvalued vs fair value, +44.5% 1Y return, ranked 407/1078 in sector.
Metrics P/E 18.5× Rev Growth 0.9% ROE 8.9% Gross Margin 44.8% Div Yield 1.63%
USD 58.49
1.42%
(Delayed)
• Vol 90d: 19.0%
52-Week Range
Market Cap
$5.36B
Enterprise Value
$8.63B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 88%
Confidence: 93%
Updated: Oct 31
Top Beats

Quick Facts

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

Next Events

Earnings Call Oct 30

Fair Value Snapshot

Bear Base Bull
$16
$28
$53
Current: $58.49 -52% vs base

Engine Room Money Flow™

Mid Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$4.5B
0.9%%
Claims & Losses
-$2.5B
-9.7%%
Acquisition & Admin Expenses
$305.0M
Underwriting Result
$293.4M
-43.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
55.2%
Good

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$397.6M
173.4% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
2
Active Leaks
1/2
Improving
0
High Impact
0
Critical
Locked Leak
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Moat Analysis Insurance & Reinsurance

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
Full moat analysis

Key strengths

  • Consistent Capital Returns Through Cycles Capital adequacy stability is high (score 0.82), demonstrating resilience through insurance market cycles.

Key risks

  • High Expense Ratio Vs Peers Expense efficiency is weak (score 0.27), with operating margin at 6.5% — below peers.
  • Deteriorating Expense Discipline Efficiency trend is deteriorating (score 0.23), with operating margin on a downward path.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Underwriting Discipline

Developing
49
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Signals, strengths and risks for Underwriting Discipline

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Signals, strengths and risks for Float Investment Quality

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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Capital Strength & Solvency

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Signals, strengths and risks for Operational Efficiency

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Signals, strengths and risks for Scale & Diversification

Trade-Off Ledger™

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

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing CNO's balance between Growth (39.6%), Profitability (41.4%), and Safety (19.0%). Growth 40% Safety 19% Profitability 41%

Click axes to expand details. Marker shows current allocation.

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Growth

27th percentile vs peers
28
Key Signals
Revenue CAGR 3Y 7.8% 41p Rev Growth YoY 0.9% 22p Equity Growth YoY 4.9% 29p EPS Growth YoY -41.0% 14p Asset Growth YoY 2.5% 26p
Strengths

No notable strengths identified for this axis.

Risks
  • EPS Growth YoY in bottom 20% of peers (-41.0%)

Profitability

28th percentile vs peers
29
Key Signals
Strengths
Risks
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Safety

13th percentile vs peers
13
Key Signals
Strengths
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Two Futures

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

Loading valuation model...
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:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$28.26
- - -
-51.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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