0.55%
7.87%
16.69%
15.15%
47.68%
60.95%
128.20%
AI Spotlight on CNO
Company Description
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.
Market Data
| Last Price | 40.14 |
| Change Percentage | 0.55% |
| Open | 40.34 |
| Previous Close | 39.92 |
| Market Cap ( Millions) | 4143 |
| Volume | 492038 |
| Year High | 40.91 |
| Year Low | 24.92 |
| M A 50 | 38.33 |
| M A 200 | 33.01 |
Financial Ratios
| FCF Yield | 14.81% |
| Dividend Yield | 1.57% |
| ROE | 11.31% |
| Debt / Equity | 160.16% |
| Net Debt / EBIDTA | 382.58% |
| Price To Book | 1.57 |
| Price Earnings Ratio | 15.39 |
| Price To FCF | 6.75 |
| Price To sales | 0.92 |
| EV / EBITDA | 8.87 |
News
- Jan -27 - CNO (CNO) Upgraded to Strong Buy: Here's What You Should Know
- Jan -22 - CNO Financial Group to Release Fourth Quarter Results on February 6, 2025
- Jan -15 - California Nanotechnologies Announces Q3 2025 Results
- Jan -09 - Best Income Stocks to Buy for January 9th
- Jan -09 - Best Value Stocks to Buy for January 9th
- Jan -07 - Will CNO (CNO) Beat Estimates Again in Its Next Earnings Report?
- Jan -07 - Best Value Stocks to Buy for January 7th
- Jan -03 - CNO Financial Group Names Joel Koehneman as Chief Accounting Officer
- Dec -27 - Buy These 5 Insurance Stocks That Zoomed Past S&P 500 in 2024
- Dec -26 - Here's Why You Should Add CNO Financial to Your Portfolio Now
- Dec -24 - Is CNO Financial Group (CNO) Outperforming Other Finance Stocks This Year?
- Nov -29 - 5 Multiline Insurers to Watch as Exposure Rises, Pricing Moderates
- Nov -14 - CNO Financial Group Declares $0.16 Dividend; Its 50th Consecutive Quarterly Dividend
- Nov -09 - A Monumental Record-Breaking Day at the 2024 CNO Financial Indianapolis Monumental Marathon
- Nov -07 - CNO Beats Q3 Earnings Estimates on Annuity Premiums, Ups '24 EPS View
- Nov -01 - CNO Financial Group, Inc. (CNO) Q3 2024 Earnings Call Transcript
- Nov -01 - CNO (CNO) Reports Q3 Earnings: What Key Metrics Have to Say
- Oct -31 - CNO Financial (CNO) Beats Q3 Earnings and Revenue Estimates
- Oct -31 - CNO Financial Group Reports Third Quarter 2024 Results
- Oct -16 - California Nanotechnologies Announces Q2 2025 Results
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Health
Expected Growth : 4.83 %
What the company do ?
Health from CNO Financial Group, Inc. offers supplemental health insurance products, including accident, critical illness, and hospital indemnity insurance, to individuals and families.
Why we expect these perspectives ?
CNO Financial Group's Health segment growth of 4.83% is driven by increasing demand for supplemental health insurance, expansion of Medicare Advantage offerings, and strategic partnerships. Additionally, the company's focus on digital transformation, improved customer engagement, and cost savings initiatives have contributed to the growth.
Segment n°2 -> Life
Expected Growth : 4.77 %
What the company do ?
Life from CNO Financial Group, Inc. offers a range of life insurance products, including term life, whole life, and universal life insurance, to help individuals and families achieve financial security.
Why we expect these perspectives ?
CNO Financial Group's 4.77% growth in Life segment is driven by increasing demand for whole life insurance, expansion of distribution channels, and strategic partnerships. Additionally, the company's focus on middle-income markets, product diversification, and effective expense management have contributed to this growth.
Segment n°3 -> Annuity
Expected Growth : 5.4 %
What the company do ?
Annuity from CNO Financial Group, Inc. is a long-term investment providing a steady income stream for life or a set period, offering tax-deferred growth and guaranteed returns.
Why we expect these perspectives ?
The 5.4% growth of the annuity from CNO Financial Group, Inc. is driven by increasing demand for retirement income solutions, expansion of distribution channels, and competitive product offerings. Additionally, the company's focus on digital transformation and cost savings initiatives have improved operational efficiency, contributing to the growth.
Segment n°4 -> Investments
Expected Growth : 5.4 %
What the company do ?
CNO Financial Group, Inc. offers a range of investment products, including annuities, mutual funds, and life insurance, to help individuals achieve their long-term financial goals.
Why we expect these perspectives ?
CNO Financial Group's 5.4% growth is driven by increasing demand for life insurance and annuity products, expansion into new markets, and strategic acquisitions. Additionally, the company's focus on digital transformation, cost savings initiatives, and effective risk management have contributed to its growth momentum.
Segment n°5 -> Fee and Other
Expected Growth : 7.42 %
What the company do ?
CNO Financial Group, Inc.'s Fee and Other segment includes fees from various sources, such as asset management, and other miscellaneous income.
Why we expect these perspectives ?
The 7.42% growth in Fee and Other revenue from CNO Financial Group, Inc. is driven by increasing demand for advisory services, expansion of distribution channels, and strategic partnerships. Additionally, the company's focus on digital transformation and process efficiencies has led to higher margins and revenue growth.
Segment n°6 -> Reconciling Items
Expected Growth : 4.6 %
What the company do ?
Reconciling items from CNO Financial Group, Inc. refer to the differences between reported and expected financial results, requiring adjustments to ensure accurate financial reporting.
Why we expect these perspectives ?
CNO Financial Group's 4.6% growth is driven by increasing demand for life insurance and annuity products, expansion into new markets, and strategic acquisitions. Additionally, the company's focus on digital transformation, cost savings initiatives, and effective capital management have contributed to its growth momentum.
Cno Financial Group, Inc. Products
| Product Range | What is it ? |
|---|---|
| Bankers Life | A leading provider of insurance and retirement products to the middle-income market, focusing on the senior market |
| Washington National | A leading provider of supplemental health and life insurance products to the middle-income market |
| Colonial Penn | A leading provider of life insurance and other insurance products directly to consumers |
CNO Financial Group, Inc.'s Porter Forces
Threat Of Substitutes
CNO Financial Group, Inc. operates in the insurance industry, where substitutes are limited. However, the company faces competition from other insurance providers, which can be considered as substitutes.
Bargaining Power Of Customers
CNO Financial Group, Inc. has a large customer base, which gives it bargaining power over its customers. However, the company's customers are individuals and small businesses, which have limited bargaining power.
Bargaining Power Of Suppliers
CNO Financial Group, Inc. has a diversified supplier base, which reduces the bargaining power of its suppliers. The company's suppliers are primarily reinsurance companies and other financial institutions.
Threat Of New Entrants
The insurance industry has high barriers to entry, including regulatory hurdles and capital requirements. This makes it difficult for new entrants to enter the market, reducing the threat of new entrants.
Intensity Of Rivalry
The insurance industry is highly competitive, with many established players competing for market share. CNO Financial Group, Inc. faces intense competition from other insurance providers, which can lead to pricing pressure and reduced market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 65.20% |
| Debt Cost | 7.26% |
| Equity Weight | 34.80% |
| Equity Cost | 9.18% |
| WACC | 7.93% |
| Leverage | 187.34% |
CNO Financial Group, Inc. : Quality Control
CNO Financial Group, Inc. passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| JXN | Jackson Financial Inc., through its subsidiaries, primarily provides a suite of annuities to retail investors in the United States. The company operates through three segments: Retail Annuities, Institutional Products, and … |
| PRI | Primerica, Inc., together with its subsidiaries, provides financial products to middle-income households in the United States and Canada. The company operates in four segments: Term Life Insurance; Investment and Savings … |
| UNM | Unum Group, together with its subsidiaries, provides financial protection benefit solutions primarily in the United States, the United Kingdom, and Poland. It operates through Unum US, Unum International, Colonial Life, … |
| AEL | American Equity Investment Life Holding Company, through its subsidiaries, provides life insurance products in the United States. The company issues fixed index and rate annuities, as well as single premium … |
| FG | F&G Annuities & Life, Inc. provides fixed annuities and life insurance products. It serves retail annuity and life customers, as well as institutional clients. The company was founded in 1959 … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Unum
A-Score
1-Year Total Return ->
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Jackson Financial
A-Score
1-Year Total Return ->
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CNO Financial Group
A-Score
1-Year Total Return ->
4
Primerica
A-Score
1-Year Total Return ->
5
American Equity
A-Score
1-Year Total Return ->
6
