CNO Financial Group, Inc. (CNO)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 3,821 | 4,122 | 3,577 | 4,147 | 4,446 | 4,487 | 4,647 | 4,068 |
| Operating profit | $m | 293 | 356 | ||||||
| Net profit | $m | 302 | 570 | 631 | 277 | 404 | 229 | 280 | 463 |
| EPS reported | $ | 2.35 | 2.92 | ||||||
| Operating cashflow per share | $ | 6.91 | 7.50 | ||||||
| Capex per share | $ | 0.00 | 0.00 | ||||||
| FCF per share | $ | 6.91 | 7.50 | ||||||
| Free cash flow | $m | 676 | 699 | ||||||
| Net debt | $m | -4,821 | -4,963 | ||||||
| Book value equity | $m | 2,638 | 2,592 | ||||||
| Book value per share | $ | 26.99 | 27.29 | ||||||
| Number of shares | m | 97.76 | 94.95 | ||||||
| DPS (TTM paid) | $ | 0.67 | 0.70 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 18.07 | 18.37 | ||||||
| P/B LTM | x | 1.57 | 1.60 | ||||||
| P/S LTM | x | 0.93 | 0.89 | ||||||
| P/FCF LTM | x | 6.14 | 5.94 | ||||||
| EV/EBITDA LTM | x | 8.60 | 8.87 | ||||||
| EV/Sales LTM | x | 1.62 | 1.84 | ||||||
| Earnings Yield LTM | % | +5.53% | +5.44% | ||||||
| FCF Yield | % | +16.27% | +16.83% | ||||||
| Quality | |||||||||
| ROE | % | +8.69% | +10.82% | ||||||
| ROIC | % | +1.17% | +1.41% | ||||||
| Operating margin | % | +6.54% | +7.66% | ||||||
| Gross margin | % | +44.79% | +43.42% | ||||||
| FCF/Sales | % | +15.06% | +15.04% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -37.17% | -21.93% | ||||||
| Sales Growth YoY | % | +0.94% | +4.52% | ||||||
| Net Income Growth YoY | % | -43.24% | -30.79% | ||||||
| FCF Growth | % | +7.65% | +11.34% | ||||||
| Operating Profit Growth | % | -43.39% | -31.37% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +1.59% | +1.22% | ||||||
| Dividend Growth | % | +6.35% | +11.11% | ||||||
| Payout Ratio | % | +28.81% | +23.63% | ||||||
| FCF/Debt | x | 0.17 | 0.15 | ||||||
| Net Debt/EBITDA | x | 3.67 | 3.99 | ||||||
| EBIT/Net interest | x | 1.27 | 1.65 | ||||||
| Net debt/market cap | % | +97.58% | +85.94% | ||||||
| Net debt/Equity | x | -1.83 | -1.91 | ||||||
| Gross debt/equity | x | 1.54 | 1.76 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Headquartered in Carmel, Indiana, and established in 1979, CNO Financial Group, Inc. operates across the United States, developing, marketing, and administering a broad spectrum of insurance and annuity products primarily for middle-income and senior individuals. The company's health insurance offerings span Medicare supplement plans, various supplemental health coverage (such as specified disease, accident, and hospital indemnity products), long-term care policies, and Medicare Advantage plans. CNO also underwrites a full suite of life insurance products, encompassing universal life, interest-sensitive options, and traditional policies like whole life, graded benefit life, term life, and single premium whole life. For wealth accumulation and retirement income, CNO provides an array of annuities, including fixed index, fixed interest (single and flexible premium deferred), and single premium immediate annuities, often catering to retirees and older self-employed individuals within the middle-income demographic. CNO employs a multi-channel approach to reach its diverse clientele. Individual customers can access products directly through phone, online platforms, mail, or face-to-face interactions. Additionally, the firm cultivates relationships with businesses, associations, and other membership groups, facilitating worksite and group sales by engaging with potential clients at their workplaces. These offerings are distributed through a robust network of agents, independent producers, and direct marketing efforts, promoted under the well-recognized brand names of Bankers Life, Washington National, and Colonial Penn.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
CNO Financial Group, Inc. (CNO)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Headquartered in Carmel, Indiana, and established in 1979, CNO Financial Group, Inc. operates across the United States, developing, marketing, and administering a broad spectrum of insurance and annuity products primarily for middle-income and senior individuals. The company's health insurance offerings span Medicare supplement plans, various supplemental health coverage (such as specified disease, accident, and hospital indemnity products), long-term care policies, and Medicare Advantage plans. CNO also underwrites a full suite of life insurance products, encompassing universal life, interest-sensitive options, and traditional policies like whole life, graded benefit life, term life, and single premium whole life. For wealth accumulation and retirement income, CNO provides an array of annuities, including fixed index, fixed interest (single and flexible premium deferred), and single premium immediate annuities, often catering to retirees and older self-employed individuals within the middle-income demographic. CNO employs a multi-channel approach to reach its diverse clientele. Individual customers can access products directly through phone, online platforms, mail, or face-to-face interactions. Additionally, the firm cultivates relationships with businesses, associations, and other membership groups, facilitating worksite and group sales by engaging with potential clients at their workplaces. These offerings are distributed through a robust network of agents, independent producers, and direct marketing efforts, promoted under the well-recognized brand names of Bankers Life, Washington National, and Colonial Penn.
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