CNO Financial vs Principal Financial
CNO and PFG side by side, both in accident and health insurance and medical. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CNO and PFG compare
Principal Financial is the larger company, worth 4.5 times as much as CNO Financial ($23.9B against $5.3B).
On earnings, Principal Financial is cheaper: it trades at 12.4× trailing earnings, against 19.8× for CNO Financial.
CNO Financial grew revenue faster over the last twelve months (6.0% versus 5.2% for Principal Financial).
Principal Financial keeps more of each dollar of sales as profit, with a net margin of 11.9% compared with 6.0% at CNO Financial.
Both pay dividends: CNO Financial yields 1.2% and Principal Financial 2.9%.
Principal Financial scores higher on the StockData Score (13 against 5 for CNO Financial), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CNO | PFG |
|---|---|---|
| Size and price | ||
| Market cap | $5.3B | $23.9B |
| Share price | $57.67 | $111.63 |
| Change, 1 year | 44.6% | 35.4% |
| Change, 5 years | 127% | 61.9% |
| Beta (5Y) | 0.87 | 0.98 |
| Employees | 3,300 | 20K |
| StockData Score | ||
| Total score | 5 | 13 (better) |
| Valuation score | 1 | 4 (better) |
| Growth score | 0 | 1 (better) |
| Performance score | 1 | 3 (better) |
| Health score | 0 | 2 (better) |
| Dividend score | 3 | 3 |
| Valuation | ||
| P/E | 19.8× | 12.4× (better) |
| P/S | 1.1× (better) | 1.4× |
| P/B | 2.1× | 2.0× (better) |
| EV/EBITDA | 4.3× | – |
| Fair value | $47.10 | $129.39 |
| Margin of safety | −22.4% | 13.7% (better) |
| Growth | ||
| Revenue growth (TTM) | 6.0% (better) | 5.2% |
| Revenue growth, 5Y average | 3.3% (better) | 1.2% |
| Net income growth (TTM) | −8.5% | 25.6% (better) |
| EPS growth (TTM) | −1.4% | 31.2% (better) |
| EPS growth, 5Y average | 1.7% (better) | 0.78% |
| Profitability | ||
| Operating margin | 13.3% | – |
| Net margin | 6.0% | 11.9% (better) |
| Return on equity | 10.9% | 16.8% (better) |
| Return on invested capital | 32.4% | – |
| Financial health | ||
| Debt / equity | – | 0.02 |
| Interest coverage | 2.9× | – |
| Altman Z-score | 0.34 (better) | 0.17 |
| Piotroski F-score | 5 | 5 |
| Dividends and buybacks | ||
| Dividend yield | 1.2% | 2.9% (better) |
| Payout ratio | 23.7% | 35.5% |
| Years of dividend growth | 13 (better) | 3 |
| Dividend growth, 5Y average | 7.3% | – |
| Buyback yield | 4.6% (better) | 3.8% |
| Shareholder yield | 5.8% | 6.7% (better) |
| Ownership | ||
| Held by institutions | 95.8% | 79.8% |
| Held by insiders | 3.4% | 0.76% |
| Insider net buying, 12 months | −$21.8M | −$5.4M (better) |
| Short interest, % of float | 2.9% | 3.9% |
Go deeper
- CNO stock overview
- CNO income statement
- CNO valuation and score
- PFG stock overview
- PFG income statement
- PFG valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.