CNO Financial Group, Inc.
NYSE•CNO
CEO: Mr. Gary Chandru Bhojwani
Sector: Financial Services
Industry: Insurance - Life
Listing Date: 2003-09-10
CNO Financial Group, Inc., through its subsidiaries, develops, markets, and administers health insurance, annuity, individual life insurance, insurance products, and financial services for senior and middle-income markets in the United States. It offers Medicare supplement, supplemental health, and long-term care insurance policies; life insurance; and annuities, as well as Medicare advantage plans to individuals through phone, online, mail, and face-to-face. The company also focuses on sale of voluntary benefit life and health insurance products for businesses, associations, and other membership groups by interacting with customers at their place of employment. In addition, it provides fixed indexed annuities; fixed interest annuities, including fixed rate single and flexible premium deferred annuities; single premium immediate annuities; supplemental health products, such as specified disease, accident, and hospital indemnity products; and long-term care plans primarily to retirees and older self-employed individuals in the middle-income market. Further, the company offers universal life and other interest-sensitive life products; and traditional life policies that include whole life, graded benefit life, term life, and single premium whole life products, as well as graded benefit life insurance products. It markets its products under the Bankers Life, Washington National, and Colonial Penn brand names. The company was founded in 1979 and is headquartered in Carmel, Indiana.
Contact Information
Market Cap
$4.05B
P/E (TTM)
18.9
14.1
Dividend Yield
1.6%
52W High
$44.86
52W Low
$35.24
52W Range
Rank31Top 21.6%
5.0
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 5 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025
Financial Dashboard
Q4 2025 Data
Revenue
$1.14B+0.00%
4-Quarter Trend
EPS
$0.98+0.00%
4-Quarter Trend
FCF
$195.70M+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Total Premium Collections Rise Total premium collections reached $4.59B USD in 2025, driven by growth across Annuity, Health, and Life segments.
Insurance Product Margin Growth Total insurance product margin improved to $1.07B USD in 2025, up from $1.04B USD in 2024, reflecting strong underwriting.
Equity Position Strengthened Shareholders' equity closed 2025 at $2.64B USD, showing capital strength despite lower net income results.
Risk Factors
Investment Portfolio Volatility Business exposed to debt and equity market performance; adverse conditions may cause realized and unrealized investment losses.
Inflationary Economic Pressures Persistent inflation creates risk for product persistency, reserve reliability, and increased operating expense levels across the business.
Goodwill Impairment Charge Recognized $101.9M USD goodwill and intangible asset impairment charge in 2025 due to fee business exit and valuation decline.
Outlook
Fee Services Business Exit Intention announced to exit Worksite Division fee services business, expected completion H1 2026, boosting pre-tax income $20M USD.
2026 Operating EPS Guidance Expect operating earnings per diluted share in 2026 to range from $4.25 to $4.45 USD, excluding any significant non-recurring items.
Target Operating ROE Improvement Continue targeting 200 basis points run-rate operating ROE improvement through 2027, based on 2024 run-rate of 10 percent.
Peer Comparison
Revenue (TTM)
$6.87B
$6.37B
$4.49B
Gross Margin (Latest Quarter)
91.5%
72.6%
69.7%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| CADE | $7.85B | 14.7 | 9.1% | 4.1% |
| LMND | $5.23B | -29.7 | -31.2% | 9.5% |
| TCBI | $4.53B | 14.0 | 9.3% | 3.0% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
4.4%
Moderate Growth
4Q Net Income CAGR
89.3%
Profitability Improved
Cash Flow Stability
100%
Strong Cash Flow
Deep Research
Next earnings:Apr 27, 2026
EPS:$0.91
|Revenue:$1.00B
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
|---|
No Data