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CNO stock logo

CNO

CNO Financial Group, Inc.

$41.16
0.08
 (0.19%)
Exchange:  NYSE
Market Cap:  3.88B
Shares Outstanding:  100.098M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Insurance – Life
   
CEO:  Gary Chandru Bhojwani
Full Time Employees:  3400
Address: 
11825 North Pennsylvania Street
Carmel
IN
46032
US
Website:  https://www.cnoinc.com
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.

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Revenue Segmentation

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EPS

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Earnings Call

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Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/04/29 — Q1 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue4,146,8004,445,6004,487,400
Gross Profit1,532,6001,702,3002,009,900
EBITDA862,8001,065,100524,300
Operating Income356,800518,300293,400
Net Income276,500404,000229,300

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets35,027,10037,852,6005,200
Total Liabilities32,811,50035,354,20036,094,000
Total Stockholders Equity2,215,6002,498,4002,638,200
Total Debt4,150,6004,519,9004,051,700
Cash and Cash Equivalents774,5001,656,700983,500

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Cash Flow Statement

Year202320242025
Operating Cash Flow582,900627,7000
Capital Expenditure000
Free Cash Flow582,900627,7000
Net Income276,500404,000229,300
Net Change in Cash244,1001,108,700-1,997,700

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Analyst Estimates

Fiscal Year2029Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)4,533,372.950Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)4,630,627.049Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)4,582,000Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)1,050,766.522Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)1,073,308.534Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)1,062,037.528Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)602,913.225Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)619,781.254Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)611,347.239Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)257,609.533Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)263,136.011Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)260,372.772Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)6.250Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)6.340Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)6.170Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
4.51B  ?P/S
 (TTM)
: 
0.92
?Net Income
 (TTM)
: 
404M  ?P/E
 (TTM)
: 
19.17
?Enterprise Value
 (TTM)
: 
7.209B  ?EV/FCF
 (TTM)
: 
10.67
?Dividend Yield
 (TTM)
: 
0.02  ?Payout Ratio
 (TTM)
: 
0.3
?ROE
 (TTM)
: 
0.09  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
2.619B  ?Debt/Equity
 (TTM)
: 
1.54
?P/B
 (TTM)
: 
1.61  ?Current Ratio
 (TTM)
: 
8.83

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
9.46Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates CNO intrinsic value between $47.22 – $87.02 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate CNO Intrinsic Value

Common questions about CNO valuation

Is CNO Financial Group, Inc. (CNO) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for CNO Financial Group, Inc. (CNO) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is CNO a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether CNO trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is CNO’s P/E ratio?

You can see CNO’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for CNO?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is CNO a good long-term investment?

Whether CNO fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

CNO

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

0.19
MARKETSnap

Trading Metrics:

Open: 40.79   Previous Close: 41.08
Day Low: 40.43   Day High: 41.22
Year Low: 34.63   Year High: 44.86
Price Avg 50: 41.61   Price Avg 200: 40.12
Volume: 359465   Average Volume: 687026

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See in Nexus

Relevant news

Is the Options Market Predicting a Spike in CNO Financial Stock?
CNO Financial Group to Release First Quarter Results on April 30, 2026
Bankers Life Introduces Enhanced Death Benefit Rider for Guaranteed Lifetime Income Annuity and Guaranteed Lifetime Income Annuity Plus
CNO Financial Group Recognizes Associate Stacy Muentzer Oakey as Volunteer of the Year, Donates to 12 Nonprofits through Annual Invested in Giving Back® Program
Retirement Confidence Among Middle-Income Americans Declines Amid Economic Uncertainty
CNO Financial Group Declares $0.17 Quarterly Dividend and Announces Virtual Annual Meeting Date

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