CNO
NEUTRAL
$43.71
Live
CNO Financial Group, Inc. · NYSE
Target $46.0
(+5.2%)
$35.24
52W Range
$44.86
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 25, 2026
Market cap
$4.1B
P/E
19.0
ROE
8.9%
Profit margin
5.1%
Debt/Equity
1.57
Dividend yield
1.56%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
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.
Key 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)
Healthy current ratio of 2.45 indicating good short-term liquidity
Positive year-over-year EPS growth of 12.2% despite some volatility in growth metrics
Key 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
Low quick ratio (0.55) suggesting a reliance on less liquid assets for immediate obligations
High debt-to-equity ratio of 1.57, slightly exceeding the sector average
AI Fair Value Estimate
Based on comprehensive analysis
$34.5
-21.1% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
52
Moderate
40
65
75
50
30
AI Verdict
Cautionary Hold
Key drivers: Earnings beats, Insider selling, Valuation premium, Technical breakdown
Confidence
90%
Value
40/100
Current price $43.71 vs Graham $38.01 and Intrinsic $16.1
Positives
- Low forward P/E
- P/S ratio under 1.0
Watchpoints
- Price exceeds Graham Number
- Price is 2.7x higher than intrinsic value
Future
65/100
Ref Forward P/E and EPS track record
Positives
- Strong EPS surprise trend
- Positive YoY EPS growth
Watchpoints
- Contradictory YoY earnings growth data (-45.2% in some metrics)
Past
75/100
Ref 3Y Change +115.9%
Positives
- Strong 3Y and 5Y returns
- Consistent history of beating analyst estimates
Watchpoints
- Recent 1-week stagnation
Health
50/100
Ref Piotroski F-Score and Debt/Equity
Positives
- Piotroski F-Score 4/9 (Stable)
- Current Ratio 2.45
Watchpoints
- Debt/Equity 1.57
- Quick Ratio 0.55
Dividend
30/100
Ref Yield and Payout Ratio
Positives
- Sustainable payout ratio (29.13%)
Watchpoints
- Low dividend yield (1.56%)
- Low dividend strength score (25/100)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$43.71
Analyst Target
$46.0
Upside/Downside
+5.2%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for CNO and closest competitors.
Updated 2026-04-24
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
CNO
CNO Financial Group, Inc.
Primary
|
+90.2% | +115.9% | +11.8% | +9.9% | +7.6% | +0.2% |
|
FULT
Fulton Financial Corporation
Peer
|
+60.8% | +98.3% | +44.4% | +24.6% | +11.1% | +0.6% |
|
TFSL
TFS Financial Corporation
Peer
|
+12.2% | +56.5% | +32.9% | +18.4% | +12.4% | +2.0% |
|
AGO
Assured Guaranty Ltd.
Peer
|
+143.2% | +41.2% | -8.7% | -1.1% | -8.4% | -2.1% |
|
BGC
BGC Group, Inc.
Peer
|
+140.9% | +117.3% | -6.3% | -9.0% | -1.8% | -1.4% |
CNO
CNO Financial Group, Inc.
Primary
5Y
+90.2%
3Y
+115.9%
1Y
+11.8%
6M
+9.9%
1M
+7.6%
1W
+0.2%
FUL
Fulton Financial Corporation
Peer
5Y
+60.8%
3Y
+98.3%
1Y
+44.4%
6M
+24.6%
1M
+11.1%
1W
+0.6%
TFS
TFS Financial Corporation
Peer
5Y
+12.2%
3Y
+56.5%
1Y
+32.9%
6M
+18.4%
1M
+12.4%
1W
+2.0%
AGO
Assured Guaranty Ltd.
Peer
5Y
+143.2%
3Y
+41.2%
1Y
-8.7%
6M
-1.1%
1M
-8.4%
1W
-2.1%
BGC
BGC Group, Inc.
Peer
5Y
+140.9%
3Y
+117.3%
1Y
-6.3%
6M
-9.0%
1M
-1.8%
1W
-1.4%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
19.0
Forward P/E
8.92
PEG Ratio
1.29
P/B Ratio
1.57
P/S Ratio
0.91
EV/Revenue
1.56
EV/EBITDA
7.44
Market Cap
$4.1B
Profitability
Profit margins and return metrics
Profit Margin
5.11%
Operating Margin
14.85%
Gross Margin
38.87%
ROE
8.9%
ROA
1.02%
Growth
Revenue and earnings growth rates
Revenue Growth
+4.2%
Earnings Growth
-45.2%
Q/Q Revenue Growth
+4.18%
Q/Q Earnings Growth
-49.2%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
1.57
High debt
Current Ratio
2.45
Strong
Quick Ratio
0.55
Poor
Cash/Share
$13.27
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$1.1B
Net Margin
8.1%
Total Assets
$38.8B
Liabilities
$36.2B
Equity
$2.6B
Debt/Equity
13.70x
Operating CF
$0.2B
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-30
$N/A
2026-02-05
$1.47
+21.9% surprise
2025-11-03
$1.29
+40.2% surprise
2025-07-28
$0.91
+12.3% surprise
Financial Services Sector Comparison
Comparing CNO against 653 companies in the Financial Services sector
(117 bullish, 269 neutral, 267 bearish)
P/E Ratio
19.0
This Stock
vs
38.75
Sector Avg
-51.0%
(Discount)
Return on Equity (ROE)
8.9%
This Stock
vs
-0.94%
Sector Avg
-1050.3%
(Below Avg)
Profit Margin
5.11%
This Stock
vs
58.65%
Sector Avg
-91.3%
(Weaker)
Debt to Equity
1.57
This Stock
vs
1.52
Sector Avg
+3.7%
(Higher)
Revenue Growth
4.2%
This Stock
vs
42.21%
Sector Avg
-90.1%
(Slower)
Current Ratio
2.45
This Stock
vs
3.58
Sector Avg
-31.7%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
CNO
CNO Financial Group, Inc.
|
NEUTRAL | $4.1B | 19.0 | 8.9% | 5.1% | $43.71 | |
|
FULT
Fulton Financial Corporation
|
NEUTRAL | $4.21B | 10.66 | 11.7% | 30.7% | $21.86 | Compare |
|
TFSL
TFS Financial Corporation
|
BEARISH | $4.22B | 47.03 | 4.8% | 27.7% | $15.05 | Compare |
|
AGO
Assured Guaranty Ltd.
|
NEUTRAL | $3.96B | 10.36 | 7.4% | 44.1% | $83.26 | Compare |
|
BGC
BGC Group, Inc.
|
NEUTRAL | $4.23B | 27.84 | 14.6% | 6.3% | $8.91 | Compare |
CNO
CNO Financial Group, Inc.
NEUTRAL
Mkt Cap
$4.1B
P/E
19.0
ROE
8.9%
Price
$43.71
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-20 | GOLDBERG SCOTT L. | Officer | Sale | 22,120 | $879,424 |
| 2026-03-20 | GOLDBERG SCOTT L. | Officer | Option Exercise | 22,120 | $465,847 |
| 2026-02-18 | ZIMPFER MATTHEW J | General Counsel | Sale | 57,370 | $2,472,554 |
| 2026-02-18 | ZIMPFER MATTHEW J | General Counsel | Option Exercise | 57,370 | $1,140,712 |
| 2026-02-18 | BHOJWANI GARY C. | Chief Executive Officer | Sale | 88,378 | $3,809,968 |
| 2026-02-17 | FRANZESE YVONNE K | Officer | Sale | 9,000 | $388,557 |
| 2026-02-12 | ZIMPFER MATTHEW J | General Counsel | Sale | 30,970 | $1,329,582 |
| 2026-02-12 | ZIMPFER MATTHEW J | General Counsel | Option Exercise | 30,970 | $652,228 |
| 2026-02-10 | ZIMPFER MATTHEW J | General Counsel | Stock Award | 39,684 | $1,092,781 |
| 2026-02-10 | TARASI ROCCO F III | Officer | Stock Award | 21,735 | $595,597 |
| 2026-02-10 | FRANZESE YVONNE K | Officer | Stock Award | 19,210 | $826,990 |
| 2026-02-10 | GOLDBERG SCOTT L. | Officer | Stock Award | 26,071 | $1,122,357 |
| 2026-02-10 | DETORO KAREN J. | Officer | Stock Award | 13,835 | $595,597 |
| 2026-02-10 | MEAD MICHAEL E | Officer | Stock Award | 7,088 | $305,138 |
| 2026-02-10 | LINNENBRINGER JEANNE L | Chief Operating Officer | Stock Award | 5,830 | $250,982 |
GOLDBERG SCOTT L.
Officer
2026-03-20
22,120 shares
·
$879,424
GOLDBERG SCOTT L.
Officer
2026-03-20
22,120 shares
·
$465,847
ZIMPFER MATTHEW J
General Counsel
2026-02-18
57,370 shares
·
$2,472,554
ZIMPFER MATTHEW J
General Counsel
2026-02-18
57,370 shares
·
$1,140,712
BHOJWANI GARY C.
Chief Executive Officer
2026-02-18
88,378 shares
·
$3,809,968
FRANZESE YVONNE K
Officer
2026-02-17
9,000 shares
·
$388,557
ZIMPFER MATTHEW J
General Counsel
2026-02-12
30,970 shares
·
$1,329,582
ZIMPFER MATTHEW J
General Counsel
2026-02-12
30,970 shares
·
$652,228
ZIMPFER MATTHEW J
General Counsel
2026-02-10
39,684 shares
·
$1,092,781
TARASI ROCCO F III
Officer
2026-02-10
21,735 shares
·
$595,597
FRANZESE YVONNE K
Officer
2026-02-10
19,210 shares
·
$826,990
GOLDBERG SCOTT L.
Officer
2026-02-10
26,071 shares
·
$1,122,357
DETORO KAREN J.
Officer
2026-02-10
13,835 shares
·
$595,597
MEAD MICHAEL E
Officer
2026-02-10
7,088 shares
·
$305,138
LINNENBRINGER JEANNE L
Chief Operating Officer
2026-02-10
5,830 shares
·
$250,982
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
DEF 14A
10-K
CNO filed its annual 10-K on February 24, 2026, providing comprehensive disclosures on its business operations, risk factors, and financial condition. The filing includes detailed management analysis of results of operations and a dedicated section outlining the primary risks facing the company.
8-K
8-K
8-K
10-Q
8-K
10-Q
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
4 analysts
Evercore ISI Group
2026-02-18
Underperform
Underperform
Piper Sandler
2025-12-23
Overweight
Overweight
Jefferies
2025-12-15
Hold
Buy
Past News Coverage
Recent headlines mentioning CNO from our newsroom.
Newest → oldest
No matching news yet.