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CNO Financial Group, Inc. (CNOPA) stock analysis

CNOPAAccident & Health InsuranceFiscal year ends December 31Also trades as CNO, CNO.PA
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 5/30
Share price
Not available yet

Price, market cap and P/E appear here once daily prices are connected.

StockData Score

Prices as of Nov 6, 2026How the score works

Value0Growth1Performance4Health0Dividend0

Weak5 of 30 checks passed

CNO Financial passes 5 of the 30 checks behind our score; 18 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
1/6
Past performance
4/6
Financial health
0/6
Dividend
0/6

What stands out

  • Return on equity over 15%

    Return on equity was 16.9% over the last twelve months and averaged 15.2% over five years.

  • Earnings growth accelerating

    Net income grew 30.8% over the last twelve months, against a 5-year average of -5.3% a year.

  • Return on assets over 1%

    Return on assets was 1.1%; for a bank or insurer, 1% or more is considered good.

  • Return on equity above the industry

    CNO Financial's return on equity of 16.9% is above the Accident and Health Insurance and Medical median of 11.9%.

What to watch

  • Earnings shrank over 5 years

    Net income shrank 5.3% a year on average over the last five fiscal years.

  • Revenue growing under 10% a year

    Revenue grew 7.9% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -24.6% a year over the last three fiscal years.

  • Interest not well covered

    Operating income covers interest expense 3.1 times; we look for at least 5.

Valuation0/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S against the industry

    Not enough revenue data to compare.

  • P/B against the industry

    Needs positive book value.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth1/6

  • Revenue growing under 10% a year

    Revenue grew 7.9% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing under 10% a year

    Diluted EPS grew -24.6% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 30.8% over the last twelve months, against a 5-year average of -5.3% a year.

  • Growing slower than the industry

    Revenue grew 2.3% over the last twelve months; the Accident and Health Insurance and Medical median is 6.8%.

  • Guidance issued

    The latest outlook (2026 operating earnings per share (EPS) guidance, Jul 30, 2026) was issued for the first time, so it neither adds nor takes away points.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance4/6

  • Return on equity over 15%

    Return on equity was 16.9% over the last twelve months and averaged 15.2% over five years.

  • Return on assets over 1%

    Return on assets was 1.1%; for a bank or insurer, 1% or more is considered good.

  • Return on equity above the industry

    CNO Financial's return on equity of 16.9% is above the Accident and Health Insurance and Medical median of 11.9%.

  • Earnings shrank over 5 years

    Net income shrank 5.3% a year on average over the last five fiscal years.

  • Net margin below its 5-year average

    Net margin was 9.2% over the last twelve months, against a 5-year average of 10.5%.

  • Net margin above the industry

    CNO Financial's net margin of 9.2% is above the Accident and Health Insurance and Medical median of 2.0%.

Financial health0/6

  • Debt level

    Needs debt and equity figures.

  • Debt trend

    Needs a balance sheet from five years ago with positive equity.

  • Debt coverage

    Needs operating cash flow.

  • Interest not well covered

    Operating income covers interest expense 3.1 times; we look for at least 5.

  • Short-term liquidity

    Insurers do not split assets into current and non-current.

  • Bankruptcy risk (Altman Z)

    The Altman model does not apply to insurers.

Dividend0/6

  • No dividend

    CNO Financial has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for CNO Financial. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Margins

Share of revenue, fiscal years 2011 to 2025

Operating margin

12.3%+0.2 pts over 5 years

Net margin

5.1%−2.8 pts over 5 years

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