CNO Financial Group, Inc. (CNO) AI Stock Analysis

CNO Financial Group, Inc. develops, markets, and administers health insurance, annuities, and individual life insurance policies across the United States. Its product portfolio includes Medicare supplement plans, long-term care insurance, and diverse life insurance policies tailored to retirees and older individuals. CNO distributes its offerings through phone, online, mail, and face-to-face interactions under brands including Bankers Life, Washington National, and Colonial Penn. The company also emphasizes worksite and group sales, partnering with businesses, associations, and membership groups to provide coverage directly to employees and members.

CNO's revenue expanded at a 5-year CAGR of 3.3% through FY2025, rising from $4.12B in FY2021 to $4.49B in FY2025. Annual net income was $229.3M in FY2025, down from $404.0M in FY2024, resulting in a net margin of 5.1% and diluted EPS of $4.42. In the latest quarter ended June 30, 2026, revenue increased 11.6% year-over-year, while quarterly earnings grew 46.2% year-over-year. Operating margin for the trailing twelve months stood at 16.7%, with trailing twelve months EPS reaching $2.89.

As of June 30, 2026, CNO held $9.52B in cash and short-term investments alongside total debt of $4.55B, creating a net cash position of $4.96B against $2.59B in shareholders' equity. The current ratio stood at 0.07, and debt-to-equity was 1.76. In FY2025, operating cash flow and free cash flow both reached $675.7M. Capital allocation in FY2025 included $331.4M allocated to share buybacks and $66.2M paid in dividends, contributing to a 24.1% reduction in share count over 5 years.

CNO trades at a trailing P/E of 18.9x, which stands above the 12.1x median of its US-listed Financial Services peers, though its forward P/E of 9.7x is lower than the peer median of 10.8x. Its price-to-sales multiple is 1.1x compared to the peer median of 3.2x. Over the past year, CNO shares have delivered a 44.3% return compared to 16.8% for the S&P 500 benchmark (SPY). Over a 5-year span, the stock has gained 136.1% versus 83.0% for the S&P 500.

CNO pays an annual forward dividend of $0.72 per share, translating to a dividend yield of 1.32% supported by a payout ratio of 15.9%. Dividends are distributed on a quarterly frequency and have been paid for 15 consecutive years. Over the last 5 years, the dividend has grown at an annualized rate of 7.3%. The most recent ex-dividend date was September 10, 2026.

Wall Street coverage includes 5 Hold ratings, with 0 Buy and 0 Sell recommendations. The mean price target is $54.75, implying 0.1% upside from the last close of $54.71. For the current fiscal year ending December 31, 2026, consensus estimates project EPS of $4.74 on $4.07B in revenue. CNO has beaten EPS estimates in 3 of the last 4 quarters, and its next earnings report is scheduled for November 2, 2026.

This page is an AI-written research summary of CNO Financial Group, Inc. (CNO). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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