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CNO vs TFSL

CNO
CNO Financial Group, Inc.
NEUTRAL
Price
$43.71
Market Cap
$4.1B
Sector
Financial Services
AI Confidence
85%
TFSL
TFS Financial Corporation
BEARISH
Price
$15.05
Market Cap
$4.22B
Sector
Financial Services
AI Confidence
90%

Valuation

P/E Ratio
CNO
19.0
TFSL
47.03
Forward P/E
CNO
8.92
TFSL
42.39
P/B Ratio
CNO
1.57
TFSL
2.21
P/S Ratio
CNO
0.91
TFSL
12.9
EV/EBITDA
CNO
7.44
TFSL
--

Profitability

Gross Margin
CNO
38.87%
TFSL
0.0%
Operating Margin
CNO
14.85%
TFSL
37.47%
Profit Margin
CNO
5.11%
TFSL
27.74%
ROE
CNO
8.9%
TFSL
4.76%
ROA
CNO
1.02%
TFSL
0.53%

Growth

Revenue Growth
CNO
4.2%
TFSL
11.0%
Earnings Growth
CNO
-45.2%
TFSL
-0.8%

Financial Health

Debt/Equity
CNO
1.57
TFSL
--
Current Ratio
CNO
2.45
TFSL
--
Quick Ratio
CNO
0.55
TFSL
--

Dividends

Dividend Yield
CNO
1.56%
TFSL
7.51%
Payout Ratio
CNO
29.13%
TFSL
353.13%

AI Verdict

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
TFSL BEARISH

TFSL exhibits significant fundamental deterioration, anchored by a stable but mediocre Piotroski F-Score of 4/9 and a severe valuation disconnect where the current price ($15.05) vastly exceeds both the Graham Number ($7.01) and Intrinsic Value ($2.24). The most critical red flag is an unsustainable dividend payout ratio of 353.13%, indicating the company is paying dividends far in excess of its earnings. This is compounded by a PEG ratio of 72.62 and stagnant earnings growth (-0.80% YoY), suggesting the stock is priced for growth that is not manifesting. Bearish insider activity from the CEO and CFO further reinforces a negative outlook.

Strengths
Consistent double-digit revenue growth (11% YoY)
Strong operating margins (37.47%)
Positive short-term price momentum (1Y Change +32.9%)
Risks
Unsustainable dividend payout ratio (353.13%)
Extreme overvaluation relative to growth (PEG Ratio 72.62)
Low Return on Equity (4.76%) and Return on Assets (0.53%)

Compare Another Pair

CNO vs TFSL: Head-to-Head Comparison

This page compares CNO Financial Group, Inc. (CNO) and TFS Financial Corporation (TFSL) 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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