Cno Financial Group Stock Analysis

CNO Stock  USD 43.20  0.12  0.28%   
Below is the normalized historical share price chart for CNO Financial Group extending back to September 10, 2003. This chart has been adjusted for all splits and dividends and is plotted against all major global economic recessions. As of today, the current price of CNO Financial stands at 43.20, as last reported on the 12th of February 2026, with the highest price reaching 43.20 and the lowest price hitting 42.68 during the day.
IPO Date
1st of January 1987
200 Day MA
39.5177
50 Day MA
42.106
Beta
0.844
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
CNO Financial Group holds a debt-to-equity ratio of 1.765. At this time, CNO Financial's Debt Ratio is very stable compared to the past year. With a high degree of financial leverage come high-interest payments, which usually reduce CNO Financial's Earnings Per Share (EPS).

Asset vs Debt

Equity vs Debt

CNO Financial's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. CNO Financial's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps CNO Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect CNO Financial's stakeholders.
For many companies, including CNO Financial, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for CNO Financial Group, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, CNO Financial's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Price Book
1.5418
Price Sales
0.9154
Shares Float
92.2 M
Dividend Share
0.67
Wall Street Target Price
48
Given that CNO Financial's debt-to-equity ratio measures a Company's obligations relative to the value of its net assets, it is usually used by traders to estimate the extent to which CNO Financial is acquiring new debt as a mechanism of leveraging its assets. A high debt-to-equity ratio is generally associated with increased risk, implying that it has been aggressive in financing its growth with debt. Another way to look at debt-to-equity ratios is to compare the overall debt load of CNO Financial to its assets or equity, showing how much of the company assets belong to shareholders vs. creditors. If shareholders own more assets, CNO Financial is said to be less leveraged. If creditors hold a majority of CNO Financial's assets, the Company is said to be highly leveraged.
At this time, CNO Financial's Total Stockholder Equity is very stable compared to the past year. As of the 12th of February 2026, Common Stock Shares Outstanding is likely to grow to about 134 M, while Liabilities And Stockholders Equity is likely to drop about 28.6 B. . At this time, CNO Financial's Price Earnings Ratio is very stable compared to the past year. As of the 12th of February 2026, Price Book Value Ratio is likely to grow to 1.65, while Price To Sales Ratio is likely to drop 0.51.
CNO Financial Group is undervalued with Real Value of 45.19 and Target Price of 48.0. The main objective of CNO Financial stock analysis is to determine its intrinsic value, which is an estimate of what CNO Financial Group is worth, separate from its market price. There are two main types of CNO Financial's stock analysis: fundamental analysis and technical analysis.
The CNO Financial stock is traded in the USA on New York Stock Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. CNO Financial is usually not traded on Labour Day, Thanksgiving Day, Christmas Day, New Year 's Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day, Juneteenth Holiday, Independence Day ( substitute day ), Independence Day. CNO Stock trading window is adjusted to America/New York timezone.
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in CNO Financial Group. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in metropolitan statistical area.

CNO Stock Analysis Notes

About 96.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.54. Some equities with similar Price to Book (P/B) outperform the market in the long run. CNO Financial Group has Price/Earnings To Growth (PEG) ratio of 1.58. The entity last dividend was issued on the 10th of December 2025. The firm had 2:1 split on the 12th of February 1997. CNO Financial Group, Inc., through its subsidiaries, develops, markets, and administers health insurance, annuity, individual life insurance, and other insurance products for senior and middle-income markets in the United States. CNO Financial Group, Inc. was founded in 1979 and is headquartered in Carmel, Indiana. Cno Financial operates under InsuranceLife classification in the United States and is traded on New York Stock Exchange. It employs 3400 people. For more info on CNO Financial Group please contact Gary Bhojwani at 317 817 6100 or go to https://www.cnoinc.com.

CNO Financial Quarterly Total Revenue

1.14 Billion

CNO Financial Group Investment Alerts

CNO Financial Group has a strong financial position based on the latest SEC filings
Over 96.0% of the company shares are held by institutions such as insurance companies
On 23rd of December 2025 CNO Financial paid $ 0.17 per share dividend to its current shareholders
Latest headline from finance.yahoo.com: CNO Financial Group Declares 0.17 Quarterly Dividend and Announces Virtual Annual Meeting Date

CNO Largest EPS Surprises

Earnings surprises can significantly impact CNO Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2011-07-27
2011-06-300.180.20.0211 
2011-05-02
2011-03-310.160.180.0212 
2011-02-22
2010-12-310.160.180.0212 
View All Earnings Estimates

CNO Financial Environmental, Social, and Governance (ESG) Scores

CNO Financial's ESG score is a quantitative measure that evaluates CNO Financial's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of CNO Financial's operations that may have significant financial implications and affect CNO Financial's stock price as well as guide investors towards more socially responsible investments.

CNO Stock Institutional Investors

Shares
Northern Trust Corp2025-06-30
1.7 M
Principal Financial Group Inc2025-06-30
1.7 M
Allianz Asset Management Ag2025-06-30
1.5 M
Allspring Global Investments Holdings, Llc2025-06-30
1.3 M
Morgan Stanley - Brokerage Accounts2025-06-30
1.3 M
Charles Schwab Investment Management Inc2025-06-30
1.1 M
Bank Of New York Mellon Corp2025-06-30
M
First Trust Advisors L.p.2025-06-30
983.7 K
Fmr Inc2025-06-30
959 K
Blackrock Inc2025-06-30
13.3 M
Vanguard Group Inc2025-06-30
12.4 M
Note, although CNO Financial's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

CNO Market Capitalization

The company currently falls under 'Mid-Cap' category with a total capitalization of 4.11 B.

CNO Profitablity

The company has Net Profit Margin of 0.05 %, which implies that it may need a different competitive strategy as even a very small decline in it revenue may erase profits and result in a net loss. This is way below average. In the same way, it shows Net Operating Margin of 0.15 %, which entails that for every 100 dollars of revenue, it generated $0.15 of operating income.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 56.42  59.24 
Return On Assets 44.10  46.30 
Return On Equity 0.09  0.08 

Management Efficiency

CNO Financial Group has Return on Asset of 0.012 % which means that on every $100 spent on assets, it made $0.012 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.0898 %, implying that it generated $0.0898 on every 100 dollars invested. CNO Financial's management efficiency ratios could be used to measure how well CNO Financial manages its routine affairs as well as how well it operates its assets and liabilities. At this time, CNO Financial's Return On Tangible Assets are very stable compared to the past year. As of the 12th of February 2026, Return On Capital Employed is likely to grow to 59.24, while Return On Equity is likely to drop 0.08. At this time, CNO Financial's Other Assets are very stable compared to the past year. As of the 12th of February 2026, Return On Tangible Assets is likely to grow to 0.01, while Total Assets are likely to drop about 4.9 M.
Last ReportedProjected for Next Year
Book Value Per Share(369.15)(350.69)
Tangible Book Value Per Share(369.20)(350.74)
Enterprise Value Over EBITDA 24.61  25.84 
Price Book Value Ratio 1.57  1.65 
Enterprise Value Multiple 24.61  25.84 
Price Fair Value 1.57  1.65 
Leadership effectiveness at CNO Financial Group is a strong indicator of its financial stability. We analyze various metrics to provide insights into the stock's investment viability.
Dividend Yield
0.0156
Operating Margin
0.1485
Profit Margin
0.0511
Forward Dividend Yield
0.0158
Beta
0.844

Technical Drivers

As of the 12th of February 2026, CNO Financial shows the mean deviation of 1.07, and Risk Adjusted Performance of 0.0634. CNO Financial Group technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.

CNO Financial Group Price Movement Analysis

Illegal number of arguments. The output start index for this execution was zero with a total number of output elements of zero. The Weighted Moving Average calculates a weight for each value in CNO Financial price series with the more recent values given greater weights.

CNO Financial Group Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific CNO Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on CNO Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases CNO Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Yvonne Franzese over two months ago
Disposition of 2097 shares by Yvonne Franzese of CNO Financial at 42.56 subject to Rule 16b-3
 
Karen Detoro over two months ago
Disposition of 1500 shares by Karen Detoro of CNO Financial subject to Rule 16b-3
 
Eric Johnson over three months ago
Disposition of 71400 shares by Eric Johnson of CNO Financial at 17.38 subject to Rule 16b-3
 
Jeremy Williams over three months ago
Disposition of 2390 shares by Jeremy Williams of CNO Financial at 41.408 subject to Rule 16b-3
 
Jeanne Linnenbringer over six months ago
Disposition of 3457 shares by Jeanne Linnenbringer of CNO Financial at 37.8495 subject to Rule 16b-3
 
Michael Mead over six months ago
Disposition of 12581 shares by Michael Mead of CNO Financial at 37.9656 subject to Rule 16b-3
 
Michael Mead over six months ago
Disposition of 12389 shares by Michael Mead of CNO Financial at 38.1998 subject to Rule 16b-3
 
Rocco Tarasi over six months ago
Disposition of 3821 shares by Rocco Tarasi of CNO Financial at 42.26 subject to Rule 16b-3
 
Scott Goldberg over six months ago
Acquisition by Scott Goldberg of 2620 shares of CNO Financial at 37.65 subject to Rule 16b-3
 
Eric Johnson over six months ago
Disposition of 51290 shares by Eric Johnson of CNO Financial at 16.42 subject to Rule 16b-3
 
Jeremy Williams over six months ago
Disposition of 2917 shares by Jeremy Williams of CNO Financial at 41.3949 subject to Rule 16b-3
 
Yvonne Franzese over six months ago
Disposition of 2013 shares by Yvonne Franzese of CNO Financial at 42.18 subject to Rule 16b-3

CNO Financial Outstanding Bonds

CNO Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. CNO Financial Group uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most CNO bonds can be classified according to their maturity, which is the date when CNO Financial Group has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

CNO Financial Predictive Daily Indicators

CNO Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of CNO Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

CNO Financial Corporate Filings

8K
11th of February 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
5th of February 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
22nd of January 2026
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F3
16th of January 2026
The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock
ViewVerify
8K
15th of January 2026
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
5th of January 2026
Other Reports
ViewVerify
F4
2nd of January 2026
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
15th of December 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify

CNO Financial Forecast Models

CNO Financial's time-series forecasting models are one of many CNO Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary CNO Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

CNO Financial Bond Ratings

CNO Financial Group financial ratings play a critical role in determining how much CNO Financial have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for CNO Financial's borrowing costs.
Piotroski F Score
7
StrongView
Beneish M Score
(348.63)
Unlikely ManipulatorView

CNO Financial Group Debt to Cash Allocation

As CNO Financial Group follows its natural business cycle, the capital allocation decisions will not magically go away. CNO Financial's decision-makers have to determine if most of the cash flows will be poured back into or reinvested in the business, reserved for other projects beyond operational needs, or paid back to stakeholders and investors.
CNO Financial Group has 4.05 B in debt with debt to equity (D/E) ratio of 1.77, which is OK given its current industry classification. CNO Financial Group has a current ratio of 2.5, demonstrating that it is liquid and is capable to disburse its financial commitments when the payables are due. That said, strategic use of leverage may enable CNO to fund expansion initiatives and generate superior returns.

CNO Financial Total Assets Over Time

CNO Financial Assets Financed by Debt

The debt-to-assets ratio shows the degree to which CNO Financial uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

CNO Financial Debt Ratio

    
  81813.0   
It appears that most of the CNO Financial's assets are financed through debt. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the CNO Financial's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of CNO Financial, which in turn will lower the firm's financial flexibility.

CNO Financial Corporate Bonds Issued

CNO Long Term Debt

Long Term Debt

3.17 Billion

At this time, CNO Financial's Long Term Debt is very stable compared to the past year.

About CNO Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how CNO Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling CNO shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as CNO Financial. By using and applying CNO Stock analysis, traders can create a robust methodology for identifying CNO entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.07  0.05 
Operating Profit Margin 0.07  0.05 
Net Profit Margin 0.05  0.05 
Gross Profit Margin 0.34  0.18 

Current CNO Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. CNO analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. CNO analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceConsensus# of Analysts
48.0Hold6Odds
CNO Financial Group current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most CNO analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand CNO stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of CNO Financial Group, talking to its executives and customers, or listening to CNO conference calls.
CNO Analyst Advice Details

CNO Stock Analysis Indicators

CNO Financial Group stock analysis indicators help investors evaluate how CNO Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading CNO Financial shares will generate the highest return on investment. By understating and applying CNO Financial stock analysis, traders can identify CNO Financial position entry and exit signals to maximize returns.
Begin Period Cash Flow889 M
Common Stock Shares Outstanding97.8 M
Total Stockholder Equity2.6 B
Total Cashflows From Investing Activities-1.5 B
Tax Provision64.1 M
Quarterly Earnings Growth Y O Y-0.398
Cash And Short Term Investments983.5 M
Cash983.5 M
Net Debt3.1 B
50 Day M A42.106
Non Current Assets Total5.2 M
Forward Price Earnings9.7087
Non Currrent Assets Other-30 B
When determining whether CNO Financial Group offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of CNO Financial's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Cno Financial Group Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Cno Financial Group Stock:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in CNO Financial Group. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in metropolitan statistical area.
You can also try the AI Portfolio Prophet module to use AI to generate optimal portfolios and find profitable investment opportunities.
Will Life & Health Insurance sector continue expanding? Could CNO diversify its offerings? Factors like these will boost the valuation of CNO Financial. Projected growth potential of CNO fundamentally drives upward valuation adjustments. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every CNO Financial data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth
(0.40)
Dividend Share
0.67
Earnings Share
2.3
Revenue Per Share
45.901
Quarterly Revenue Growth
0.042
Understanding CNO Financial Group requires distinguishing between market price and book value, where the latter reflects CNO's accounting equity. The concept of intrinsic value - what CNO Financial's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Market sentiment, economic cycles, and investor behavior can push CNO Financial's price substantially above or below its fundamental value.
It's important to distinguish between CNO Financial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding CNO Financial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. In contrast, CNO Financial's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.