CNO Financial Valuation
| CNO Stock | USD 43.06 0.14 0.32% |
At this time, the firm appears to be undervalued. CNO Financial Group shows a prevailing Real Value of $45.28 per share. The current price of the firm is $43.06. Our model approximates the value of CNO Financial Group from reviewing the firm fundamentals such as return on equity of 0.0898, and Profit Margin of 0.05 % as well as analyzing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting CNO Financial's valuation include:
Undervalued
Today
Please note that CNO Financial's price fluctuation is very steady at this time. Calculation of the real value of CNO Financial Group is based on 3 months time horizon. Increasing CNO Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since CNO Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of CNO Stock. However, CNO Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 43.06 | Real 45.28 | Target 48.0 | Hype 43.02 |
The intrinsic value of CNO Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence CNO Financial's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of CNO Financial Group helps investors to forecast how CNO stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of CNO Financial more accurately as focusing exclusively on CNO Financial's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use CNO Financial's intrinsic value based on its ongoing forecasts of CNO Financial's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against CNO Financial's closest peers.
CNO Financial Cash |
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CNO Financial Total Value Analysis
CNO Financial Group is currently estimated to have company total value of 7.16 B with market capitalization of 4.11 B, debt of 4.05 B, and cash on hands of 2 B. Please note that company total value may be misleading and is a subject to accounting gimmicks. We encourage investors to carefully check all of the CNO Financial fundamentals before making security assessment based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
7.16 B | 4.11 B | 4.05 B | 2 B |
CNO Financial Investor Information
About 93.0% 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 March 2026. The firm had 2:1 split on the 12th of February 1997. CNO Financial Group may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Total Cash From Operating Activities | 628.6 M | 564.9 M |
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CNO Financial Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. CNO Financial has an asset utilization ratio of 86296.15 percent. This suggests that the Company is making $862.96 for each dollar of assets. An increasing asset utilization means that CNO Financial Group is more efficient with each dollar of assets it utilizes for everyday operations.CNO Financial Profitability Analysis
Taking into consideration CNO Financial's profitability measurements, CNO Financial's profitability may be sliding down. It has an above-average chance of reporting lower numbers next quarter. Profitability indicators assess CNO Financial's ability to earn profits and add value for shareholders.Net Income | First Reported 2000-03-31 | Previous Quarter 23.1 M | Current Value 950 K | Quarterly Volatility 249.3 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Gross Profit Margin | 0.18 | 0.34 |
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For CNO Financial profitability analysis, we use financial ratios and fundamental drivers that measure the ability of CNO Financial Group to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well CNO Financial utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between CNO Financial's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of CNO Financial over time as well as its relative position and ranking within its peers.
CNO Financial Earnings per Share Projection vs Actual
The next projected EPS of CNO Financial is estimated to be 0.95 with future projections ranging from a low of 0.9 to a high of 0.99. CNO Financial's most recent 12-month trailing earnings per share (EPS TTM) is at 2.3. Please be aware that the consensus of earnings estimates for CNO Financial Group is based on EPS before non-recurring items and includes expenses related to employee stock options.CNO Financial Earnings Estimation Breakdown
The calculation of CNO Financial's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of CNO Financial is estimated to be 0.95 with the future projection ranging from a low of 0.9 to a high of 0.99. Please be aware that this consensus of annual earnings estimates for CNO Financial Group is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
0.90 Lowest | Expected EPS | 0.99 Highest |
CNO Financial Earnings Projection Consensus
Suppose the current estimates of CNO Financial's value are higher than the current market price of the CNO Financial stock. In this case, investors may conclude that CNO Financial is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and CNO Financial's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 31st of March 2026 | Current EPS (TTM) | |
| 5 | 81.22% | 1.47 | 0.95 | 2.3 |
CNO Financial Ownership Allocation
CNO Financial holds a total of 94.48 Million outstanding shares. The majority of CNO Financial Group outstanding shares are owned by other corporate entities. These outside corporations are usually referred to as non-private investors looking to acquire positions in CNO Financial Group to benefit from reduced commissions. Thus, institutional investors are subject to a different set of regulations than regular investors in CNO Financial. Please pay attention to any change in the institutional holdings of CNO Financial Group as this could imply that something significant has changed or is about to change at the company. Please note that no matter how many assets the company secures, if the real value of the firm is less than the current market value, you may not be able to make money on it.CNO Financial Profitability Analysis
The company reported the last year's revenue of 4.49 B. Total Income to common stockholders was 404 M with profit before taxes, overhead, and interest of 1.74 B.CNO Financial Past Distributions to stockholders
About CNO Financial Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of CNO Financial Group. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of CNO Financial Group based exclusively on its fundamental and basic technical indicators. By analyzing CNO Financial's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of CNO Financial's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of CNO Financial. We calculate exposure to CNO Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of CNO Financial's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 1.5 B | 1.1 B | |
| 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 |
A single share of CNO Financial represents a small ownership stake in the entity. As a stockholder of CNO, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
CNO Financial Dividends Analysis For Valuation
At this time, CNO Financial's Dividend Payout Ratio is very stable compared to the past year. As of the 15th of February 2026, Dividend Paid And Capex Coverage Ratio is likely to grow to 20.67, while Dividends Paid is likely to drop about 50.7 M. . At this time, CNO Financial's Retained Earnings are very stable compared to the past year. As of the 15th of February 2026, Retained Earnings Total Equity is likely to grow to about 1.8 B, though Price Earnings To Growth Ratio is likely to grow to (0.45).
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 77.9 M | 50.7 M | |
| Dividend Yield | 0.02 | 0.01 | |
| Dividend Payout Ratio | 0.29 | 0.30 | |
| Dividend Paid And Capex Coverage Ratio | 10.66 | 20.67 |
There are various types of dividends CNO Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of CNO shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from CNO Financial Group directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When CNO pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of CNO Financial by the value of the dividends paid out.
CNO Financial Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 97.8 M | |
| Quarterly Earnings Growth Y O Y | -0.398 | |
| Forward Price Earnings | 9.7087 |
CNO Financial Current Valuation Indicators
CNO Financial's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final CNO Financial's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as CNO Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use CNO Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes CNO Financial's worth.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 Stock Screener module to find equities using a custom stock filter or screen asymmetry in trading patterns, price, volume, or investment outlook..
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 | 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.