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AGO vs CNO

AGO
Assured Guaranty Ltd.
NEUTRAL
Price
$83.26
Market Cap
$3.96B
Sector
Financial Services
AI Confidence
65%
CNO
CNO Financial Group, Inc.
NEUTRAL
Price
$43.71
Market Cap
$4.1B
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
AGO
10.36
CNO
19.0
Forward P/E
AGO
11.42
CNO
8.92
P/B Ratio
AGO
0.69
CNO
1.57
P/S Ratio
AGO
4.35
CNO
0.91
EV/EBITDA
AGO
--
CNO
7.44

Profitability

Gross Margin
AGO
90.34%
CNO
38.87%
Operating Margin
AGO
67.14%
CNO
14.85%
Profit Margin
AGO
44.13%
CNO
5.11%
ROE
AGO
7.41%
CNO
8.9%
ROA
AGO
2.33%
CNO
1.02%

Growth

Revenue Growth
AGO
10.4%
CNO
4.2%
Earnings Growth
AGO
-31.2%
CNO
-45.2%

Financial Health

Debt/Equity
AGO
0.3
CNO
1.57
Current Ratio
AGO
1.02
CNO
2.45
Quick Ratio
AGO
0.99
CNO
0.55

Dividends

Dividend Yield
AGO
1.61%
CNO
1.56%
Payout Ratio
AGO
16.3%
CNO
29.13%

AI Verdict

AGO NEUTRAL

The Advanced Deterministic Scorecard reveals a weak Piotroski F-Score of 3/9, indicating poor financial health, while the absence of an Altman Z-Score prevents a definitive distress risk assessment. Despite this, AGO trades below the Graham Number of $148.07 at $83.26, suggesting potential undervaluation, supported by a low P/E of 10.36 versus sector average of 22.56. However, declining earnings growth (YoY: -31.20%) and negative insider sentiment counterbalance value appeal. Analysts recommend a 'buy' with a $107.00 target, implying upside, but inconsistent quarterly execution and bearish technical trend temper near-term optimism.

Strengths
Significantly undervalued relative to Graham Number ($148.07 vs. current price $83.26)
Low valuation multiples: P/E of 10.36 well below sector average of 22.56
Exceptionally high profitability margins: Gross (90.34%), Operating (67.14%), and Net (44.13%)
Risks
Very weak Piotroski F-Score of 3/9 signals deteriorating financial health and operational instability
Earnings under pressure: YoY earnings growth down 31.20% and Q/Q down 38.60%
Absence of Altman Z-Score limits ability to assess bankruptcy risk; requires caution
CNO NEUTRAL

CNO presents a conflicting profile: while the company demonstrates a strong track record of earnings beats and a stable Piotroski F-Score of 4/9, it is currently trading at a significant premium to its Intrinsic Value ($16.10) and Graham Number ($38.01). The valuation is supported by a low forward P/E of 8.92, but this is offset by a highly bearish technical trend (10/100) and aggressive insider selling. Overall, the strong operational performance is currently decoupled from the deteriorating insider sentiment and technical momentum.

Strengths
Consistent earnings outperformance with 3/4 beats in the last year and an average surprise of 24.82%
Attractive forward P/E ratio of 8.92 suggesting strong expected earnings growth
Strong long-term price appreciation (115.9% over 3 years)
Risks
Significant overvaluation relative to intrinsic value ($16.10) and Graham Number ($38.01)
Strongly bearish insider activity with $8.88M in sales and zero buys, including the CEO
Severe technical weakness with a trend score of 10/100

Compare Another Pair

AGO vs CNO: Head-to-Head Comparison

This page compares Assured Guaranty Ltd. (AGO) and CNO Financial Group, Inc. (CNO) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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