CNO Financial Group Inc

CNO Financial Group Inc

CNO · NYSE · Financial Services / Insurance - Life

57.47USD+0.03 (+0.05%)

Price History

Full chart

Market Stats

Previous Close57.44
Open57.75
Day Range57.10 – 58.41
52-Week Range37.64 – 57.40
Volume457.79K
Market Cap4.99B
P/E (TTM)18.61
Forward P/E9.71
EPS2.90
Dividend Yield1.35%
Beta0.81
50-Day Avg54.52
200-Day Avg47.01

About

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.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Life
  • CEOMr. Gary Chandru Bhojwani
  • Employees3.20K
  • Headquarters11299 Illinois Street, Carmel, IN, United States, 46032, USA
  • Websitehttps://www.cnoinc.com

Leadership

  • Mr. Gary Chandru BhojwaniCEO & Director · b. 1968
  • Mr. Paul Harrington McDonoughCFO & Executive VP · b. 1965
  • Mr. Eric Ronald JohnsonChief Investment Officer · b. 1960
  • Mr. Matthew Joseph Zimpfer J.D.Executive VP & General Counsel · b. 1967
  • Mr. Scott Louis Goldberg CPAPresident of Consumer Division · b. 1970
  • Ms. Jeanne L. LinnenbringerChief Operations Officer · b. 1963
  • Mr. Joel Thomas KoehnemanSenior VP & Chief Accounting Officer · b. 1986
  • Mr. Michael E. MeadChief Information Officer · b. 1967
  • Mr. Doug WilliamsVice President of Finance & Administration
  • Mr. Adam AuvilVice President of Investor Relations & Sustainability

Financials

Income Statement

Currency: USD2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue5.58B5.49B4.45B4.71B4.33B4.33B4.47B4.13B4.19B4.34B4.08B4.12B4.34B4.48B4.14B3.80B3.99B4.30B4.31B4.02B3.82B4.12B3.58B4.15B4.45B4.49B
Growth (%)--1.60%-18.97%+5.81%-7.96%-0.18%+3.26%-7.52%+1.41%+3.62%-5.93%+1.00%+5.29%+3.07%-7.40%-8.30%+5.05%+7.74%+0.28%-6.90%-4.85%+7.88%-13.23%+15.94%+7.21%+0.94%
Cost of Revenue6.76B5.86B3.33B3.10B2.97B5.81B6.22B2.92B3.73B3.60B3.23B3.13B3.17B3.24B2.93B2.68B2.83B2.96B3.73B2.78B2.54B2.42B1.79B1.05B2.74B2.48B
Gross Profit5.58B5.49B1.12B1.60B1.37B-1.49B-1.75B1.22B456.90M746.40M857.30M996.50M1.17B1.24B1.21B1.12B1.16B1.34B580.20M1.23B1.28B1.70B1.79B3.10B1.70B2.01B
Gross Margin100.00%100.00%25.12%34.08%31.55%-34.38%-39.17%29.42%10.91%17.19%20.99%24.16%27.03%27.62%29.23%29.46%29.12%31.24%13.45%30.71%33.58%41.23%50.05%74.72%38.29%44.79%
Operating Expense6.77B5.50B2.75B-717.10M921.40M-1.97B-1.92B1.23B453.20M572.80M563.80M690.30M1.02B931.50M1.04B751.80M809.50M863.40M845.00M958.90M939.00M966.30M973.70M2.74B1.18B1.72B
Operating Income-1.19B-5.90M-1.63B2.32B446.10M484.30M167.20M-10.00M3.70M173.60M293.50M306.20M155.70M304.80M175.10M367.70M353.20M480.50M-264.80M274.20M344.30M733.10M816.50M356.80M518.30M293.40M
Operating Margin-21.34%-0.11%-36.68%49.30%10.29%11.19%3.74%-0.24%0.09%4.00%7.19%7.42%3.59%6.81%4.22%9.67%8.85%11.17%-6.14%6.83%9.01%17.78%22.83%8.60%11.66%6.54%
EBITDA-1.19B-5.90M-467.40M3.04B896.80M943.10M682.30M590.50M530.90M752.40M753.20M743.90M585.30M734.70M542.10M746.00M744.60M869.60M177.20M694.40M757.00M1.07B1.20B356.80M1.07B842.80M
EBITDA Margin-21.34%-0.11%-10.50%64.51%20.69%21.80%15.27%14.29%12.67%17.33%18.44%18.04%13.48%16.41%13.08%19.63%18.65%20.22%4.11%17.29%19.81%25.84%33.61%8.60%23.96%18.78%
Net Income-1.19B-405.90M-7.84B2.30B289.70M312.70M106.00M-179.90M-1.13B85.70M284.60M335.70M221.00M478.00M51.40M270.70M358.20M175.60M-315.00M409.40M301.80M570.30M630.60M276.50M404.00M229.30M
Net Income Margin-21.34%-7.39%-176.07%48.80%6.68%7.23%2.37%-4.35%-27.03%1.97%6.97%8.14%5.09%10.68%1.24%7.12%8.97%4.08%-7.30%10.19%7.90%13.83%17.63%6.67%9.09%5.11%
R&D----------000000000-------
R&D as % of Total Revenue----------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense0400.00M341.90M239.30M79.50M58.30M73.50M117.30M106.50M117.90M113.20M114.10M114.60M105.30M92.80M94.90M116.40M123.70M149.80M152.30M108.80M95.40M137.00M238.60M254.40M230.90M
Interest Expense % of Total Revenue0.00%7.28%7.68%5.08%1.83%1.35%1.65%2.84%2.54%2.72%2.77%2.77%2.64%2.35%2.24%2.50%2.92%2.88%3.47%3.79%2.85%2.31%3.83%5.75%5.72%5.15%

Balance Sheet

Currency: USD2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets58.59B61.43B46.51B29.92B30.76B31.56B32.72B33.51B28.77B30.34B31.90B33.33B34.13B34.78B31.18B31.13B31.98B33.11B31.44B33.63B35.34B36.20B33.34B35.03B37.85B38.79B
Total Liabilities54.21B56.68B48.56B27.10B26.85B27.04B28.00B29.28B27.15B26.81B27.57B28.30B29.08B29.83B26.50B26.99B27.49B28.26B28.07B3.79B29.86B4.00B31.94B32.81B35.33B36.15B
Total Equity4.37B4.75B-2.05B2.82B3.90B4.52B4.71B4.24B1.62B3.53B4.33B5.03B5.05B4.96B4.69B4.14B4.49B4.85B3.37B29.84B5.48B32.20B1.40B2.22B2.52B2.64B
Cash1.66B3.06B1.27B1.26B795.50M273.00M409.90M428.60M894.50M523.40M571.90M510.40M54.20M104.30M68.30M364.40M189.30M178.90M62.40M74.70M54.10M99.60M575.70M774.50M1.66B956.10M
Total Debt--669.70M1.69B1.19B1.17B1.42B2.11B2.10B1.72B2.20B3.05B27.27B25.93B22.95B4.14B4.22B3.97B3.98B23.93B3.93B5.14B5.02B4.15B4.52B4.05B
Net Debt---599.20M426.70M397.30M893.60M1.01B1.68B1.20B1.20B1.63B2.54B3.37B3.66B3.53B3.77B4.03B3.79B3.92B3.71B3.88B3.90B3.31B3.38B2.86B3.10B

Cash Flow

Currency: USD2000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow1.21B1.32B1.30B1.19B1.05B1.16B931.20M703.30M986.80M644.00M734.00M774.80M634.90M720.40M121.80M743.90M759.50M613.10M317.80M696.70M735.50M598.30M495.40M582.90M627.70M675.70M
Investing Cash Flow--3.41B422.50M-1.46B-1.55B-1.05B-1.13B-629.80M-922.70M-1.30B-1.34B-197.10M-602.50M56.30M-1.07B-742.40M-239.60M-525.70M-555.60M-608.40M-1.53B-1.78B-872.30M-1.49B-1.67B
Financing Cash Flow6.60B3.00B-6.50B-1.60B-44.40M-150.20M268.10M447.00M175.60M-92.40M613.10M427.30M-291.30M-1.40M-265.50M146.40M26.20M-274.00M107.20M-143.00M210.10M667.60M1.20B533.50M1.97B-22.60M
Capital Expenditure00000000000000000000000000
Free Cash Flow--1.30B1.19B1.05B1.16B931.20M703.30M986.80M644.00M734.00M774.80M634.90M720.40M121.80M743.90M759.50M613.10M317.80M696.70M735.50M598.30M495.40M582.90M627.70M675.70M
Dividends Paid--86.20M-19.30M38.00M38.00M19.00M--0013.90M24.40M51.00M52.00M54.80M59.60M64.80M67.10M67.00M65.70M64.80M68.10M67.70M66.20M
FCF to OCF--100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%
Dividend Paid to FCF--6.65%-1.84%3.27%4.08%2.70%--0.00%0.00%2.19%3.39%41.87%6.99%7.22%9.72%20.39%9.63%9.11%10.98%13.08%11.68%10.79%9.80%

Earnings

Report DateOct 27, 1994Feb 15, 1995Apr 26, 1995Jul 26, 1995Nov 2, 1995Feb 12, 1996Apr 23, 1996Jul 31, 1996Nov 5, 1996Feb 18, 1997Apr 30, 1997Jul 30, 1997Oct 29, 1997Feb 25, 1998Apr 29, 1998Jul 29, 1998Oct 28, 1998Feb 24, 1999Apr 28, 1999Jul 28, 1999Oct 27, 1999Feb 23, 2000Apr 28, 2000Jul 27, 2000Oct 26, 2000Feb 20, 2001Apr 24, 2001Aug 6, 2001Nov 1, 2001Feb 21, 2002May 1, 2002Aug 20, 2002Nov 19, 2003Mar 11, 2004May 6, 2004Aug 4, 2004Nov 8, 2004Mar 14, 2005May 5, 2005Aug 4, 2005Nov 3, 2005Feb 27, 2006May 4, 2006Aug 2, 2006Nov 1, 2006Mar 6, 2007May 8, 2007Aug 6, 2007Oct 31, 2007Mar 17, 2008May 7, 2008Aug 12, 2008Nov 5, 2008Mar 2, 2009May 11, 2009Aug 4, 2009Nov 4, 2009Feb 25, 2010May 4, 2010Aug 3, 2010Nov 2, 2010Feb 22, 2011May 2, 2011Jul 27, 2011Oct 25, 2011Feb 22, 2012Apr 30, 2012Jul 25, 2012Oct 29, 2012Feb 11, 2013Apr 24, 2013Jul 29, 2013Oct 28, 2013Feb 11, 2014Apr 28, 2014Jul 28, 2014Oct 28, 2014Feb 10, 2015Apr 29, 2015Jul 29, 2015Oct 28, 2015Feb 10, 2016Apr 27, 2016Jul 26, 2016Nov 1, 2016Feb 7, 2017Apr 26, 2017Jul 26, 2017Oct 25, 2017Feb 13, 2018Apr 25, 2018Aug 1, 2018Oct 31, 2018Feb 12, 2019Apr 29, 2019Jul 30, 2019Nov 5, 2019Feb 11, 2020May 5, 2020Aug 4, 2020Nov 2, 2020Feb 9, 2021Apr 28, 2021Jul 28, 2021Oct 27, 2021Feb 8, 2022May 2, 2022Aug 1, 2022Oct 31, 2022Feb 7, 2023May 1, 2023Jul 31, 2023Nov 6, 2023Feb 6, 2024Apr 29, 2024Jul 29, 2024Oct 31, 2024Feb 6, 2025Apr 28, 2025Jul 28, 2025Nov 3, 2025Feb 5, 2026Apr 30, 2026Jul 30, 2026Nov 2, 2026
EPS Estimate0.350.360.230.270.330.390.400.430.470.510.560.620.700.770.800.760.890.880.910.970.720.590.580.320.740.170.140.200.200.140.140.08--0.400.370.340.400.410.420.440.460.460.350.420.370.340.250.270.190.250.200.270.290.200.220.220.200.130.130.150.160.160.180.170.190.120.170.190.230.210.250.270.300.280.310.320.340.310.340.340.370.320.350.350.390.310.370.390.410.430.500.510.500.450.480.470.460.400.270.480.600.510.550.610.600.560.480.490.550.610.670.730.850.650.710.831.070.790.860.921.210.930.991.09
EPS Actual0.340.290.240.260.360.400.410.440.510.540.590.640.720.790.810.760.900.890.940.960.730.520.30-0.090.150.210.160.210.180.100.120.0015.660.500.380.360.360.420.430.450.440.440.360.430.350.040.10-0.320.190.100.110.180.320.260.170.220.290.150.140.150.160.180.180.190.190.220.150.190.260.250.210.270.290.310.270.320.320.290.270.310.300.380.270.350.350.350.340.420.440.510.440.490.530.360.410.480.450.470.580.430.790.570.550.660.720.870.420.850.490.560.510.540.881.180.521.051.111.310.790.871.291.470.391.26-
Surprise-2.86%-19.44%4.35%-3.70%9.09%2.56%2.50%2.33%8.51%5.88%5.36%3.23%2.86%2.60%1.25%0.00%1.12%1.14%3.30%-1.03%1.39%-11.86%-48.28%-128.13%-79.73%23.53%14.29%5.00%-10.00%-28.57%-14.29%-100.00%---5.00%-2.70%5.88%5.00%4.88%7.14%0.00%-4.35%-21.74%22.86%-16.67%-89.19%-70.59%-228.00%-29.63%-47.37%-56.00%-10.00%18.52%-10.34%-15.00%0.00%31.82%-25.00%7.69%15.38%6.67%12.50%12.50%5.56%11.76%15.79%25.00%11.76%36.84%8.70%0.00%8.00%7.41%3.33%-3.57%3.23%0.00%-14.71%-12.90%-8.82%-11.76%2.70%-15.63%0.00%0.00%-10.26%9.68%13.51%12.82%24.39%2.33%-2.00%3.92%-28.00%-8.89%0.00%-4.26%2.17%45.00%59.26%64.58%-5.00%7.84%20.00%18.03%45.00%-25.00%77.08%0.00%1.82%-16.39%-19.40%20.55%38.82%-20.00%47.89%33.73%22.43%0.00%1.16%40.22%21.49%-58.06%27.27%-
Timing----Pre-marketPre-marketPre-marketPre-marketPre-market-------------------------Pre-marketAfter-hoursPre-market-Pre-marketPre-marketPre-marketAfter-hours-After-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursPre-marketAfter-hours-Pre-marketAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursPre-marketAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap4.99B
Enterprise Value8.26B
Trailing P/E18.61
Forward P/E9.71
PEG Ratio1.29
Price / Sales1.07
Price / Book1.93
EPS2.90
Book Value27.96
Revenue (TTM)4.65B
Gross Profit (TTM)1.80B
EBITDA989.90M
Profit Margin6.02%
Operating Margin16.73%
Return on Equity10.93%
Return on Assets1.09%
Shares Outstanding92.52M
Shares Float90.04M
Beta0.81
Dividend Yield1.35%
Dividend Rate0.72
Payout Ratio15.87%

Analyst Ratings

Hold
Based on 5 analystsTarget 53.75
  • Strong Buy
    1
  • Hold
    3
  • Strong Sell
    1

Ownership Breakdown

Institutions
98.04%
Insiders
2.40%
Retail / Other
0.00%

Top Institutional Holders

  • BlackRock Inc
    13.05M14.11%
  • Vanguard Portfolio Management, LLC
    6.73M7.28%
  • Vanguard Capital Management, LLC
    4.10M4.44%
  • State Street Corp
    4.01M4.34%
  • Franklin Templeton Inc
    3.93M4.25%
  • American Century Companies Inc
    3.76M4.06%
  • Fuller & Thaler Asset Management Inc
    3.75M4.06%
  • Dimensional Fund Advisors, Inc.
    3.39M3.66%
  • LSV Asset Management
    3.06M3.31%
  • Geode Capital Management, LLC
    2.51M2.71%
  • Pzena Investment Management, LLC
    2.47M2.67%
  • Delaware Management Holdings Inc
    1.89M2.04%
  • Morgan Stanley - Brokerage Accounts
    1.73M1.87%

Top Fund Holders

  • iShares Core S&P Mid-Cap ETF
    3.26M3.53%
  • Avantis US Small Cap Value ETF
    2.97M3.21%
  • Vanguard MStar Total Stk Mkt Idx Invest
    2.83M3.06%
  • Undiscovered Managers Behavioral Val L
    2.80M3.03%
  • iShares Russell 2000 ETF
    2.42M2.62%
  • Vanguard Small Cap Index
    2.04M2.21%
  • Franklin Small Cap Value A
    1.91M2.06%

Dividends

20263×
0.18Sep 10, 20260.18Jun 10, 20260.17Mar 10, 2026
20254×
0.17Dec 10, 20250.17Sep 10, 20250.17Jun 10, 20250.16Mar 10, 2025
20244×
0.16Dec 10, 20240.16Sep 10, 20240.16Jun 10, 20240.15Mar 7, 2024
20234×
0.15Dec 7, 20230.15Sep 7, 20230.15Jun 8, 20230.14Mar 9, 2023
20224×
0.14Dec 8, 20220.14Sep 8, 20220.14Jun 9, 20220.13Mar 9, 2022
20214×
0.13Dec 9, 20210.13Sep 9, 20210.13Jun 9, 20210.12Mar 9, 2021
20201×
0.12Dec 9, 2020