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CNO logo CNO
Upturn stock ratingUpturn stock rating
CNO logo

CNO Financial Group Inc (CNO)

Upturn stock ratingUpturn stock rating
$38.63
Delayed price
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

04/22/2025: CNO (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

ratingratingratingratingrating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Analysis of Past Performance

Type Stock
Historic Profit 0.49%
Avg. Invested days 41
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 04/22/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 3.97B USD
Price to earnings Ratio 10.58
1Y Target Price 43.6
Price to earnings Ratio 10.58
1Y Target Price 43.6
Volume (30-day avg) 847407
Beta 0.92
52 Weeks Range 25.27 - 43.20
Updated Date 04/25/2025
52 Weeks Range 25.27 - 43.20
Updated Date 04/25/2025
Dividends yield (FY) 1.61%
Basic EPS (TTM) 3.74

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date 2025-04-28
When Before Market
Estimate -
Actual -

Profitability

Profit Margin 9.08%
Operating Margin (TTM) 24.84%

Management Effectiveness

Return on Assets (TTM) 1.33%
Return on Equity (TTM) 17.14%

Valuation

Trailing PE 10.58
Forward PE 9.71
Enterprise Value 6850580783
Price to Sales(TTM) 0.89
Enterprise Value 6850580783
Price to Sales(TTM) 0.89
Enterprise Value to Revenue 1.54
Enterprise Value to EBITDA -
Shares Outstanding 100286000
Shares Floating 98389181
Shares Outstanding 100286000
Shares Floating 98389181
Percent Insiders 2.27
Percent Institutions 97.16

Analyst Ratings

Rating 3
Target Price 41.8
Buy 2
Strong Buy -
Buy 2
Strong Buy -
Hold 3
Sell -
Strong Sell 1
Strong Sell 1

ai summary icon Upturn AI SWOT

CNO Financial Group Inc

stock logo

Company Overview

overview logo History and Background

CNO Financial Group, Inc. traces its roots back to 1902. Initially known as the Washington National Insurance Company, it has evolved through acquisitions and strategic shifts, ultimately becoming CNO Financial Group. The company focuses on providing insurance solutions to middle-income Americans.

business area logo Core Business Areas

  • Washington National: Focuses on supplemental health and life insurance products sold primarily to middle-income Americans through worksite and direct-to-consumer channels.
  • Bankers Life: Provides life and health insurance, as well as retirement solutions, to pre-retirees and retirees through a network of career agents.
  • Colonial Penn: Specializes in direct-to-consumer life insurance, particularly guaranteed acceptance whole life policies.

leadership logo Leadership and Structure

The current CEO is Gary C. Bhojwani. The company is structured with distinct business segments, each with its own management team, reporting to the corporate leadership.

Top Products and Market Share

overview logo Key Offerings

  • Life Insurance: CNO offers a range of life insurance products, including term, whole, and universal life. The company competes with major life insurers like Prudential, MetLife, and New York Life. Market share data specific to CNO's life insurance products is difficult to isolate, but the U.S. life insurance market is highly fragmented.
  • Supplemental Health Insurance: CNO provides supplemental health insurance policies that cover expenses not covered by major medical plans, such as hospital indemnity, cancer, and critical illness insurance. Competitors include Aflac and Unum. CNO's market share is moderate within the supplemental health market.
  • Annuities: CNO offers fixed and variable annuities designed to provide retirement income. Competition includes major financial services firms like Fidelity and Vanguard.

Market Dynamics

industry overview logo Industry Overview

The insurance industry is highly competitive and regulated. Key trends include aging populations, rising healthcare costs, and increasing demand for retirement income solutions. Digitalization and technological advancements are also shaping the industry.

Positioning

CNO Financial Group focuses on the middle-income market segment. Its competitive advantages include its established brands, distribution network, and focus on specific product niches.

Total Addressable Market (TAM)

The TAM for life and health insurance, and retirement solutions in the U.S. is estimated to be hundreds of billions of dollars. CNO is positioned to capture a portion of this TAM by focusing on the middle-income market with targeted products and distribution strategies.

Upturn SWOT Analysis

Strengths

  • Established brands
  • Extensive distribution network
  • Focus on middle-income market
  • Strong capital position
  • Targeted product offerings

Weaknesses

  • Exposure to interest rate risk
  • Competition from larger players
  • Dependence on agent-based distribution
  • Regulatory compliance costs

Opportunities

  • Growing demand for retirement income solutions
  • Expansion of digital distribution channels
  • Strategic acquisitions
  • New product development
  • Increased health awareness

Threats

  • Economic downturns
  • Changes in regulations
  • Increased competition
  • Rising healthcare costs
  • Technological disruption

Competitors and Market Share

competitor logo Key Competitors

  • PRU
  • MET
  • AFL

Competitive Landscape

CNO Financial competes with larger, more diversified financial services companies. Its advantage lies in its focus on the middle-income market and its established distribution network. Its disadvantages include its smaller size and greater exposure to interest rate risk.

Major Acquisitions

WebBenefits

  • Year: 2018
  • Acquisition Price (USD millions): 28.5
  • Strategic Rationale: Acquisition of WebBenefits, Inc. enhanced CNOu2019s benefits administration capabilities and expanded its reach in the worksite market.

Growth Trajectory and Initiatives

Historical Growth: Historical growth trends require live financial data

Future Projections: Future projections for CNO Financial Group require live financial data

Recent Initiatives: Recent strategic initiatives typically include product launches, acquisitions, and expansion of distribution channels. Specific initiatives should be referenced from company announcements and financial reports.

Summary

CNO Financial Group focuses on the middle-income market with life, health, and retirement solutions. Its strengths include its brands and distribution network. Challenges include competition and interest rate risk. Continued digital transformation and product innovation are important for future growth.

Similar Companies

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Aflac Incorporated

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AFLratingrating

Aflac Incorporated

$108.31
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0%
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LNCratingrating

Lincoln National Corporation

$30.33
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LNCratingrating

Lincoln National Corporation

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UNMratingrating

Unum Group

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Sources and Disclaimers

Data Sources:

  • Company filings, Market research reports, Industry analysis
  • Public company filings (10K, 10Q)
  • Press releases

Disclaimers:

This analysis is based on publicly available information and is not financial advice. Market share data is approximate and may vary based on source. Financial data requires live updates from financial statements.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.

About CNO Financial Group Inc

Exchange NYSE
Headquaters Carmel, IN, United States
IPO Launch date 1987-01-01
CEO & Director Mr. Gary Chandru Bhojwani
Sector Financial Services
Industry Insurance - Life
Full time employees 3500
Full time employees 3500

CNO Financial Group, Inc., through its subsidiaries, develops, markets, and administers health insurance, annuity, individual life insurance, insurance products, and financial services for middle-income pre-retiree and retired Americans 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 individual consumers through phone, virtually, online, and face-to-face with agents. The company also focuses on sale of voluntary benefit life and health insurance products for businesses, associations, and other membership groups by interacting with customers at their place of employment. In addition, it provides fixed indexed 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, lesser degree, 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. It markets its products under the Bankers Life, Washington National, and Colonial Penn brand names. The company was founded in 1979 and is headquartered in Carmel, Indiana.

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