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Home CompaniesCNO Financial Group Inc

CNO Financial Group Inc

Financial Services Insurance - Life
PortfolioPortfolio WatchlistWatchlist
Company price
57.73 USD 0.34 ( 0.59%)
Last update at 2026-11-04T21:00:00Z
VOLUME
1180744
Market Cap
5155.29M
P/E
19.21

Momentum Score

…

CNO Financial Group, Inc., through its subsidiaries, develops, markets, and administers health insurance, annuity, individual life insurance and other insurance products, and financial services for middle-income pre-retiree and retired Americans 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 individual consumers through phone, virtually, online, and face-to-face with agents. 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-premium deferred annuities; 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, lesser degree, 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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
56.68
Low
58.44
High
52 Week Price Range
37.64
Low
57.40
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

CNO Financial Group is a U.S. insurance holding company offering life, supplemental health and annuity products to middle-income and older customers through brands such as Bankers Life and Washington National. Long-term demand from an aging population for retirement and guaranteed-income solutions, together with potential distribution and expense efficiencies, could support steady premium cash flows and a durable earnings base.

Material risks include sensitivity to interest rates and investment returns, reserve adequacy and lapse/mortality outcomes, and regulatory or competitive pressures that may compress margins or raise capital needs.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
57.39
Dividend Yield
1.24%
Revenue TTM
4646.60M
Revenue Per Share
49.04
Gross Profit TTM
1798.50M
Debt / Equity
1.54
ROE
10.93%
Net Debt
3095.60M
ROCE
0.78%
Diluted EPS TTM
2.90

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 293.40M 518.30M 356.80M 517.30M 567.70M
Net income 229.30M 404.00M 276.50M 396.80M 441.00M
Selling general administrative 305.00M 304.50M 290.90M 287.90M 267.90M
Gross profit 2009.90M 1702.30M 3098.50M 3576.80M 4122.20M
Reconciled depreciation 318.50M 292.40M 359.10M 309.60M 281.10M
Ebit - 772.70M 356.80M 690.00M 567.70M
Ebitda 524.30M 1065.10M 356.80M 999.60M 848.80M
Depreciation and amortization - 292.40M 267.40M 309.60M 281.10M
Operating income 293.40M 518.30M 356.80M 690.00M 567.70M
Other operating expenses 4194.00M 3927.30M 1048.30M 3059.50M 3554.50M
Interest expense 230.90M 254.40M 238.60M 137.00M 95.40M
Tax provision 64.10M 114.30M 15.60M 120.50M 126.70M
Interest income 218.50M 193.90M 217.30M 137.00M 95.40M
Net interest income -230.90M -254.40M -222.70M -137.00M -95.40M
Extraordinary items - - - 0.00M 0.00M
Income tax expense 64.10M 114.30M 80.30M 120.50M 126.70M
Total revenue 4487.40M 4445.60M 4146.80M 3576.80M 4122.20M
Total operating expenses 1716.50M 1184.00M 3889.90M -2886.80M -3554.50M
Cost of revenue 2477.50M 2743.30M 1048.30M - -
Total other income expense net - -254.40M 356.80M -172.70M -95.40M
Net income from continuing ops 229.30M 404.00M 44.40M 396.80M 441.00M
Net income applicable to common shares 229.30M 404.00M 276.50M 396.80M 441.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 38967.50M 37852.60M 35027.10M 33339.20M 36204.40M
Intangible assets - 2319.60M 2125.10M - -
Other current assets -12566.40M -14124.90M -27257.60M -20441.30M 4670.30M
Total liab 36329.30M 35354.20M 32811.50M 31938.40M 4001.00M
Total stockholder equity 2638.20M 2498.40M 2215.60M 1400.80M 5259.70M
Other current liab -228.00M -15.00M -936.20M 1532.00M 246.70M
Common stock 0.90M 1.00M 1.10M 1.10M 1.20M
Capital stock 0.90M 1.00M 1.10M 1.10M 1.20M
Retained earnings 2416.00M 2236.30M 1899.80M 1459.00M 1127.20M
Other liab - - - 26017.40M 26195.20M
Good will 5.20M - 21451.60M - -
Other assets 713.30M 37852.60M 3841.40M -14264.80M -19536.50M
Cash 956.10M 1656.70M 774.50M 575.70M 99.60M
Cash and equivalents 983.50M 1997.70M 889.00M 644.90M 731.70M
Total current liabilities - 15.00M 13.00M 154.90M 8.40M
Current deferred revenue 228.00M - - - -
Net debt 3095.60M 2863.20M 3376.10M 3307.20M 3901.40M
Short term debt 0.00M 0.00M 0.00M 1138.80M 1137.00M
Short long term debt - - 0.00M 0.00M 0.00M
Short long term debt total 4051.70M 4519.90M 4150.60M 3882.90M 4001.00M
Other stockholder equity 1336.30M 1632.50M 1891.50M 2033.80M 2184.20M
Property plant equipment 83.60M 90.70M 85.30M 46.60M 48.20M
Total current assets 983.50M 14124.90M 27257.60M 25829.80M 29377.60M
Long term investments 24863.80M 23739.00M 22594.40M 21774.20M 26363.30M
Net tangible assets - - - 1400.80M 5259.70M
Short term investments 7917.00M 7794.60M 21506.20M 20353.40M 24805.40M
Net receivables 4676.80M 4673.60M 4976.90M 5407.20M 4472.60M
Long term debt 4051.70M 4519.90M 4150.60M 3882.90M 4001.00M
Inventory - - -26597.60M - -
Accounts payable - - - 456.50M 501.80M
Accumulated other comprehensive income -1115.00M -1371.40M -1576.80M -2093.10M 1947.10M
Common stock total equity - - - 1.10M 1.20M
Retained earnings total equity - - - 1459.00M 1127.20M
Non currrent assets other 15897.30M -23739.00M 52417.90M -21774.20M -26363.30M
Non current assets total 37984.00M 37852.60M 35027.10M 21774.20M 26363.30M
Long term debt total 4051.70M 4519.90M 4150.60M 3882.90M 4001.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -1664.10M -1488.60M -1158.70M -1720.10M -1450.80M
Change to liabilities - - - 0.00M 0.00M
Total cashflows from investing activities -1667.30M -1488.60M -872.30M -1781.30M -1526.10M
Net borrowings -485.00M 355.60M 258.70M -120.70M 67.00M
Total cash from financing activities -22.60M 1969.60M 533.50M 1199.10M 667.60M
Change to operating activities - - - -369.10M -300.20M
Net income 229.30M 404.00M 276.50M 396.80M 441.00M
Change in cash -1014.20M 1108.70M 244.10M -86.80M -260.20M
Begin period cash flow 1997.70M 889.00M 644.90M 731.70M 991.90M
End period cash flow 983.50M 1997.70M 889.00M 644.90M 731.70M
Total cash from operating activities 675.70M 627.70M 582.90M 495.40M 598.30M
Issuance of capital stock 11.60M 11.20M 18.00M 13.50M 21.50M
Depreciation 318.50M 292.40M 267.40M 345.30M 319.50M
Other cashflows from investing activities -3.20M -13.50M -36.60M -61.20M -75.30M
Dividends paid 66.20M 67.70M 68.10M -64.80M -65.70M
Sale purchase of stock -331.40M -300.20M -166.10M -190.10M -407.80M
Other cashflows from financing activities 833.00M 1956.30M 495.80M 1846.20M 1847.40M
Change to netincome - - - -985.70M -926.20M
Capital expenditures 0.00M 0.00M 0.00M 0.00M 0.00M
Cash flows other operating - - - 1481.10M 1524.50M
Cash and cash equivalents changes - - - -86.80M -260.20M
Change in working capital 618.10M 556.30M 449.70M -175.60M 346.20M
Stock based compensation - - 22.50M - -317.90M
Other non cash items -490.20M -684.10M -431.80M -157.70M -337.00M
Free cash flow 675.70M 627.70M 582.90M 495.40M 598.30M

Peer Comparison*

Sector: Financial Services Industry: Insurance - Life

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
CNO
CNO Financial Group Inc		 0.34
0.59%		 57.73 19.21 9.71 1.11 1.98 1.81
PIAIF
Ping An Insurance		 -
-%		 5.96 5.78 5.15 0.13 0.85 1.31
CILJF
China Life Insurance Co Ltd		 -
-%		 3.22 2.96 5.06 0.23 1.11 1.10
AAGIY
AIA Group Ltd ADR		 1.73
4.48%		 40.32 12.84 11.34 3.88 2.47 2.22
AAIGF
AIA Group Ltd		 0.25
2.55%		 10.06 12.45 10.93 3.86 2.38 2.21

Profile*

CNO Financial Group Inc

CNO Financial Group, Inc., through its subsidiaries, develops, markets, and administers health insurance, annuity, individual life insurance and other insurance products, and financial services for middle-income pre-retiree and retired Americans 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 individual consumers through phone, virtually, online, and face-to-face with agents. 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-premium deferred annuities; 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, lesser degree, 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.

11299 Illinois Street, Carmel, IN, United States, 46032

317 817 6100

https://www.cnoinc.com

3200

Name Title Year Born
Mr. Gary Chandru Bhojwani CEO & Director 1968
Mr. Paul Harrington McDonough CFO & Exec. VP 1965
Mr. Bruce Keating Baude Exec. VP and Chief Operations & Technology Officer 1965
Mr. Matthew Joseph Zimpfer Exec. VP & Gen. Counsel 1967
Mr. Scott Louis Goldberg CPA Pres of Consumer Division 1970
Mr. Eric Ronald Johnson Chief Investment Officer 1960
Mr. John Robert Kline CPA Sr. VP & Chief Accounting Officer 1957
Mr. Jeffrey Michael Kircher CPA VP of Corp. Fin. & Treasurer NA
Mr. Mike Mead Sr. VP & Chief Information Officer NA
Mr. Doug Williams VP of Fin. & Admin. NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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