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CNO 
CNO Financial Group Inc (CNO)
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Upturn Advisory Summary
11/05/2025: CNO (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $42.2
1 Year Target Price $42.2
| 0 | Strong Buy |
| 1 | Buy |
| 4 | Hold |
| 0 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -8.32% | Avg. Invested days 44 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.87B USD | Price to earnings Ratio 13.81 | 1Y Target Price 42.2 |
Price to earnings Ratio 13.81 | 1Y Target Price 42.2 | ||
Volume (30-day avg) 6 | Beta 0.87 | 52 Weeks Range 34.33 - 42.82 | Updated Date 11/5/2025 |
52 Weeks Range 34.33 - 42.82 | Updated Date 11/5/2025 | ||
Dividends yield (FY) 1.60% | Basic EPS (TTM) 2.92 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-30 | When After Market | Estimate 0.93 | Actual 1.29 |
Profitability
Profit Margin 6.81% | Operating Margin (TTM) 15.94% |
Management Effectiveness
Return on Assets (TTM) 1.2% | Return on Equity (TTM) 11.42% |
Valuation
Trailing PE 13.81 | Forward PE 9.71 | Enterprise Value 7164870451 | Price to Sales(TTM) 0.89 |
Enterprise Value 7164870451 | Price to Sales(TTM) 0.89 | ||
Enterprise Value to Revenue 1.64 | Enterprise Value to EBITDA - | Shares Outstanding 95840989 | Shares Floating 101394509 |
Shares Outstanding 95840989 | Shares Floating 101394509 | ||
Percent Insiders 2.24 | Percent Institutions 97.8 |
Upturn AI SWOT
CNO Financial Group Inc
Company Overview
History and Background
CNO Financial Group, Inc. was founded in 1979 as Conseco, Inc. and later rebranded as CNO Financial Group. It grew rapidly through acquisitions in the late 20th century. Following financial difficulties, it restructured and refocused on providing insurance products to middle-income Americans.
Core Business Areas
- Washington National: Focuses on providing supplemental health and life insurance products, primarily through worksite and affinity group channels.
- Bankers Life: Offers life insurance, annuity, and long-term care products to the senior market through a network of career agents.
- Colonial Penn: Sells direct-to-consumer life insurance products, particularly guaranteed acceptance policies, through television, direct mail, and digital marketing.
Leadership and Structure
The CEO is Gary C. Bhojwani. The organizational structure includes various business segments and corporate functions like finance, legal, and human resources.
Top Products and Market Share
Key Offerings
- Life Insurance: CNO offers a range of life insurance products, including term, whole life, and universal life. The market is highly competitive, with major players like Prudential (PRU), MetLife (MET), and New York Life dominating the market share. No specific market share data for CNO life insurance alone is available.
- Annuities: CNO provides fixed and immediate annuities. Competitors include Athene (ATH), Jackson National Life, and Lincoln National (LNC). No specific market share data for CNO annuity alone is available.
- Supplemental Health Insurance: CNO sells supplemental health insurance products, including critical illness, cancer, and accident policies. Competitors include Aflac (AFL) and Unum (UNM). No specific market share data for CNO supplemental health insurance alone is available.
- Long-Term Care Insurance: CNO offers long-term care insurance policies that help cover the costs of long-term care services. Competitors include Genworth Financial (GNW) and Transamerica. No specific market share data for CNO long-term care insurance alone is available.
Market Dynamics
Industry Overview
The insurance industry is experiencing increased regulation, technological disruption, and evolving customer expectations. Demographics and interest rates also play a significant role.
Positioning
CNO focuses on the middle-income and senior markets with a multi-channel distribution strategy. Its competitive advantages include its established agent network and brand recognition.
Total Addressable Market (TAM)
The total addressable market is in the trillions of dollars, encompassing all forms of life, health, and retirement insurance products. CNO Financial Group Inc. has a small piece of the TAM, less than 1%. They are positioned to continue serving middle-income Americans.
Upturn SWOT Analysis
Strengths
- Established brand presence
- Multi-channel distribution network
- Focus on specific target markets
- Experienced management team
- Strong capital position
Weaknesses
- Exposure to interest rate fluctuations
- Intense competition
- Regulatory risks
- Dependence on agent productivity
- Sensitivity to economic cycles
Opportunities
- Growing senior population
- Increasing demand for supplemental health insurance
- Expansion into new markets
- Technological innovation
- Strategic acquisitions
Threats
- Economic downturns
- Changes in regulations
- Rising healthcare costs
- Increased competition
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PRU
- MET
- AFL
- LNC
- NNN
Competitive Landscape
CNO competes with larger, more diversified insurance companies. Its competitive advantage lies in its focus on specific markets and its multi-channel distribution strategy.
Major Acquisitions
WebBenefits Insurance Services
- Year: 2018
- Acquisition Price (USD millions): 63
- Strategic Rationale: Expanded CNO's worksite benefits platform and distribution capabilities.
Growth Trajectory and Initiatives
Historical Growth: CNO has experienced moderate growth, driven by its focus on specific markets and effective distribution channels.
Future Projections: Analyst estimates suggest continued growth in revenue and earnings, driven by favorable demographics and increased demand for insurance products.
Recent Initiatives: Recent strategic initiatives include investments in technology and expansion into new markets.
Summary
CNO Financial Group is a mid-sized insurance company focusing on the middle-income and senior markets. Its strength lies in its established brand and multi-channel distribution. It faces intense competition and regulatory risks and needs to adapt to changing market conditions. CNO needs to continue investing in technology and exploring new growth opportunities to maintain its competitive edge.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Publications
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share data is estimated and may vary based on the source.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
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 | Website https://www.cnoinc.com |
Full time employees 3500 | Website https://www.cnoinc.com | ||
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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