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CNO Financial Group, Inc.(CNO)Earnings, Financials & Key Ratios
CNO•NYSE•Insurance & Managed Care
$52.89
22.5× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryLife InsuranceSub-IndustryIndividual life and final expense insurers
AboutCNO 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. 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 worksite and group sales for businesses, associations, and other membership groups by interacting with customers at their place of employment. In addition, it provides fixed index 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. CNO Financial Group, Inc. markets its products under the Bankers Life, Washington National, and Colonial Penn brand names. The company sells its products through agents, independent producers, and direct marketing. CNO Financial Group, Inc. was founded in 1979 and is headquartered in Carmel, Indiana.Show more
- Revenue$4.49B+0.9%
- Combined Ratio93.46%+5.8%
- Net Income$229M-43.2%
- Return on Equity8.9%-47.9%
- Medical Cost Ratio55.21%-10.5%
- Operating Margin6.54%-43.9%
- Net Margin5.11%-43.8%
- ROA0.6%-46.0%
- Equity / Assets6.8%+2.3%
CNO Price & Volume
CNO Financial Group, Inc. (CNO) stock price & volume — 10-year historical chart
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Legacy Liability Volatility Masks Operational Earnings Power
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Adequate
Cash Flow:Stable
Primary Risk:Legacy LTC morbidity volatility
Key Thesis Takeaways
- CNO Financial Group demonstrates resilient cash generation capabilities, yet its fundamental outlook remains constrained by the inherent morbidity volatility of its legacy long-term care insurance blocks.
- While the company maintains active portfolio management to navigate interest rate fluctuations, the reliance on non-cash actuarial adjustments under LDTI complicates the assessment of true operational earnings.
- Investors should monitor the thin capital cushion, as the $2.5 billion equity base relative to $38.9 billion in total assets may limit the firm's capacity to absorb adverse claims deviations.
Verdict Logic
while the forward P/E of 11.77 suggests potential value, the unpredictable loss ratio spikes, such as the 69.2% recorded in 2024Q3, warrant caution regarding long-term earnings stability.
CNO Growth Metrics
CNO Financial Group, Inc. (CNO) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years1.68%
5 Years3.27%
3 Years7.85%
TTM5.02%
Profit CAGR
10 Years-1.65%
5 Years-5.35%
3 Years-28.62%
TTM-19.61%
EPS CAGR
10 Years5.39%
5 Years2.18%
3 Years-24.03%
TTM-13.24%
Return on Capital
10 Years1.86%
5 Years2.08%
3 Years1.77%
Last Year1.48%
CNO Recent Earnings
CNO Financial Group, Inc. (CNO) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 12/12 qtrs (100%)
Q2 2026Latest
Apr 30, 2026Metric
Actual
Est
EPS
$1.29+41.8%
$0.91
Rev
$1.0B+2.6%
$1.0B
Q1 2026
Feb 5, 2026Metric
Actual
Est
EPS
$1.47+22.5%
$1.20
Rev
$1.1B+13.9%
$1.0B
Q4 2025
Nov 3, 2025Metric
Actual
Est
EPS
$0.96-20.7%
$1.21
Rev
$1.2B+18.5%
$1.0B
Q3 2025
Jul 28, 2025Metric
Actual
Est
EPS
$0.87+2.4%
$0.85
Rev
$1.2B+18.1%
$975M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 30, 2026 | $1.29vs $0.91+41.8% | $1.0Bvs $1.0B+2.6% |
| Q1 2026 | Feb 5, 2026 | $1.47vs $1.20+22.5% | $1.1Bvs $1.0B+13.9% |
| Q4 2025 | Nov 3, 2025 | $0.96vs $1.21-20.7% | $1.2Bvs $1.0B+18.5% |
| Q3 2025 | Jul 28, 2025 | $0.87vs $0.85+2.4% | $1.2Bvs $975M+18.1% |
Based on last 12 quarters of dataView full earnings history →
Latest CNO News
Recent stock market news and headlines for CNO Financial Group, Inc. (CNO)
Zacks Investment Research·Jun 30, 2026
Are You Looking for a Top Momentum Pick? Why CNO Financial (CNO) is a Great ChoiceDoes CNO Financial (CNO) have what it takes to be a top stock pick for momentum investors? Let's find out.
Zacks Investment Research·Jun 24, 2026
CNO Financial Group, Inc. (CNO) Hit a 52 Week High, Can the Run Continue?CNO (CNO) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues.
PRNewsWire·Jun 17, 2026
CNO Financial Group Extends Title Sponsorship of Indianapolis Monumental Marathon Through 2028CARMEL, Ind., June 17, 2026 /PRNewswire/ -- CNO Financial Group (NYSE: CNO) today announced a multi-year extension of its title sponsorship of the CNO Financial Indianapolis Monumental Marathon through 2028.
Peers Comparison
Key metrics vs top competitors for CNO Financial Group, Inc. (CNO)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $52.89 | $4.94B | 22.51 | 0.94% | 5.11% | 8.9% | 1.28% | |
| $176.67 | $13.72B | 12.57 | 3.82% | 19.37% | 20.32% | — | |
| $28.81 | $3.91B | 15.32 | 5.72% | 9.11% | 11.15% | — | |
| $30.61 | $13.98B | -45.01 | 7.88% | 3.94% | 1.85% | — | |
| $112.88 | $24.38B | 21.50 | -3.11% | 10.03% | 12.72% | — | |
| $39.19 | $7.49B | 6.71 | 1.24% | 9.14% | 16.79% | — |
Compare CNO vs Peers
CNO Financial Group, Inc. (CNO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CNO SEC Filings & Documents
CNO Financial Group, Inc. (CNO) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
May 13, 2026·SEC
Material company update
Apr 30, 2026·SEC
Material company update
Feb 11, 2026·SEC
10-K Annual Reports
210-Q Quarterly Reports
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CNO Frequently Asked Questions
CNO Financial Group, Inc. (CNO) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is CNO Financial Group, Inc. growing?
CNO Financial Group, Inc. (CNO) grew revenue by 0.9% over the past year. Growth has been modest.
Is CNO profitable?
Yes, CNO Financial Group, Inc. (CNO) is profitable, generating $245.5M in net income for fiscal year 2025 (5.1% net margin).
Dividend & Returns
Does CNO pay dividends?
Yes, CNO Financial Group, Inc. (CNO) pays a dividend with a yield of 1.28%. This makes it attractive for income-focused investors.
What is CNO's return on equity?
CNO Financial Group, Inc. (CNO) has a return on equity (ROE) of 8.9%. This is below average, suggesting room for improvement.
Industry Metrics
What is CNO Financial Group, Inc.'s combined ratio?
CNO Financial Group, Inc. (CNO) has a combined ratio of 93.5%. A ratio below 100% indicates underwriting profitability.