CNO

Company Overview — What Does CNO Financial Group, Inc. Do?

CNO Financial Group, Inc., through its subsidiaries, develops, markets, and administers health insurance, annuity, individual life insurance, and other insurance products for senior and middle-income markets 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 individuals through phone, online, mail, and face-to-face. The company also focuses on worksite and group sales for businesses, associations, and other membership groups by interacting with customers at their place of employment. In addition, it provides fixed index annuities; fixed interest annuities, including fixed rate single and 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 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. CNO Financial Group, Inc. markets its products under the Bankers Life, Washington National, and Colonial Penn brand names. The company sells its products through agents, independent producers, and direct marketing. CNO Financial Group, Inc. was founded in 1979 and is headquartered in Carmel, Indiana. CNO Financial Group, Inc. (CNO) is classified as a mid-cap stock in the Financials sector, specifically within the Insurance industry. The company is led by CEO Gary C. Bhojwani and employs approximately 3,350 people, headquartered in Carmel, Indiana. With a market capitalization of $3.9B, CNO is one of the notable companies in the Financials sector.

CNO Financial Group, Inc. (CNO) Stock Rating — Reduce (April 2026)

As of April 2026, CNO Financial Group, Inc. receives a Reduce rating with a composite score of 41.7/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.CNO ranks #2,005 out of 4,446 stocks in our coverage universe. Within the Financials sector, CNO Financial Group, Inc. ranks #573 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

CNO Stock Price and 52-Week Range

CNO Financial Group, Inc. (CNO) currently trades at $42.25. The stock gained $0.14 (0.3%) in the most recent trading session. The 52-week high for CNO is $44.85, which means the stock is currently trading -5.8% from its annual peak. The 52-week low is $34.63, putting the stock 22.0% above its annual trough. Recent trading volume was 466K shares, suggesting relatively thin trading activity.

Is CNO Overvalued or Undervalued? — Valuation Analysis

CNO Financial Group, Inc. (CNO) carries a value factor score of 54/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 26.83x, compared to the Financials sector average of 14.88x — a premium of 80%. The price-to-book ratio stands at 1.50x, versus the sector average of 1.22x. The price-to-sales ratio is 0.87x, compared to 0.90x for the average Financials stock. On an enterprise value basis, CNO trades at 7.33x EV/EBITDA, versus 3.26x for the sector.

Overall, CNO's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

CNO Financial Group, Inc. Profitability — ROE, Margins, and Quality Score

CNO Financial Group, Inc. (CNO) earns a quality factor score of 34/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 5.6%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.4% versus the sector average of 1.2%.

On a margin basis, CNO Financial Group, Inc. reports gross margins of 0.0%. The operating margin is 11.9% (sector: 21.8%). Net profit margin stands at 3.2%, versus 17.7% for the average Financials stock. Revenue growth is running at 11.5% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

CNO Debt, Balance Sheet, and Financial Health

CNO Financial Group, Inc. has a debt-to-equity ratio of 1367.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.07x, suggesting adequate working capital coverage. Total debt on the balance sheet is $4.05B. Cash and equivalents stand at $1.24B.

CNO has a beta of 0.95, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for CNO Financial Group, Inc. is 79/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

CNO Financial Group, Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, CNO Financial Group, Inc. reported revenue of $4.47B and earnings per share (EPS) of $0.24. Net income for the quarter was $146M. Gross margin was 0.0%. Operating income came in at $533M.

In Q3 2025, CNO Financial Group, Inc. reported revenue of $1.19B and earnings per share (EPS) of $0.24. Net income for the quarter was $23M. Revenue grew 5.2% year-over-year compared to Q3 2024. Operating income came in at $163M.

In Q2 2025, CNO Financial Group, Inc. reported revenue of $1.15B and earnings per share (EPS) of $0.93. Net income for the quarter was $92M. Revenue grew 8.0% year-over-year compared to Q2 2024. Operating income came in at $112M.

In Q1 2025, CNO Financial Group, Inc. reported revenue of $1.00B and earnings per share (EPS) of $0.21. Net income for the quarter was $22M. Revenue grew -13.2% year-over-year compared to Q1 2024. Operating income came in at $105M.

Over the past 8 quarters, CNO Financial Group, Inc. has demonstrated a growth trajectory, with revenue expanding from $1.16B to $4.47B. Investors analyzing CNO stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

CNO Dividend Yield and Income Analysis

CNO Financial Group, Inc. (CNO) currently pays a dividend yield of 1.7%. At this yield, a $10,000 investment in CNO stock would generate approximately $$167.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning CNO yields less than the typical sector peer.

CNO Momentum and Technical Analysis Profile

CNO Financial Group, Inc. (CNO) has a momentum factor score of 43/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 28/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 20/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

CNO vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, CNO Financial Group, Inc. (CNO) ranks #573 out of 891 stocks based on the Blank Capital composite score. This places CNO in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing CNO against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full CNO vs S&P 500 (SPY) comparison to assess how CNO Financial Group, Inc. stacks up against the broader market across all factor dimensions.

CNO Next Earnings Date

No upcoming earnings date has been announced for CNO Financial Group, Inc. (CNO) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy CNO? — Investment Thesis Summary

The quantitative profile for CNO Financial Group, Inc. suggests caution. The quality score of 34/100 flags below-average profitability. Low volatility (stability score 79/100) reduces downside risk.

In summary, CNO Financial Group, Inc. (CNO) earns a Reduce rating with a composite score of 41.7/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on CNO stock.

Related Resources for CNO Investors

Explore more research and tools: CNO vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare CNO head-to-head with peers: CNO vs WTM, CNO vs OPY, CNO vs ACT.