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Upturn AI Summary - About
CNO Financial Group Inc(CNO)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CNO
10/09/2026: CNO (5-star) is currently NOT-A-BUY. Pass it for now.
CNO Financial Group is a focused insurance company serving the middle-income senior market with life, health, and annuity products. The company's strengths lie in its specialized agent-based distribution network and a disciplined capital management strategy. Its primary growth story revolves around scaling its worksite benefits channel and leveraging technology to improve agent productivity. Key risks include sensitivity to interest rates, potential medical cost inflation, and the ongoing management of legacy product blocks. The stock is best suited for value and dividend-focused investors, as CNO provides reliable income and trades at modest valuation multiples. Investors should monitor agent recruitment trends and successful integration of digital initiatives.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | CNO offers steady, moderate growth rather than rapid, disruptive expansion. |
| Momentum investor | Weak fit | The stock tends to trade based on long-term fundamentals and interest rate cycles rather than short-term price momentum. |
| Value investor | Strong fit | CNO often trades at reasonable valuation multiples relative to earnings and book value. |
| Dividend investor | Strong fit | The company provides a reliable dividend yield supported by stable cash flows. |
| Low-risk investor | Mixed fit | While established, the company is subject to market volatility related to interest rates and insurance industry risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock can be sensitive to interest rate fluctuations and general market sentiment toward financial institutions. |
| Valuation risk | Low | CNO generally maintains disciplined valuation metrics that limit extreme downside from overvaluation. |
| Competition risk (insurance carriers) | Medium / high | Intense competition from larger insurers impacts pricing power and market share retention. |
| Business quality | Medium | CNO has a solid franchise in its niche but faces long-term challenges managing legacy product blocks. |
| Dividend income | Low | The dividend is considered stable and well-covered by earnings. |
| Execution risk | Medium | Success relies heavily on the ability to effectively recruit and retain agents in a competitive labor market. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 39.08% | Avg. Invested days 59 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.95B USD | Price to earnings Ratio 18.53 | 1Y Target Price 53.75 |
Price to earnings Ratio 18.53 | 1Y Target Price 53.75 | ||
Volume (30-day avg) 1.1M shares | Beta 0.81 | 52 Weeks Range 37.64 - 57.40 | Updated Date 10/08/2026 |
52 Weeks Range 37.64 - 57.40 | Updated Date 10/08/2026 | ||
Dividends yield (FY) 1.30% | Basic EPS (TTM) 2.89 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Life and Health Insurance | Premiums from supplemental health, life, and annuity products. | The company earns money primarily from insurance premiums and returns on investing those premiums. |
| Investment Portfolio | Income generated from the investment of policyholder premiums in diversified assets. | Net investment income is a critical profit driver influenced by interest rate environments. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 18.53 | Forward PE 9.71 | Enterprise Value 8.26B | Price to Sales(TTM) 1.07 |
Enterprise Value 8.26B | Price to Sales(TTM) 1.07 | ||
Enterprise Value to Revenue 1.78 | Enterprise Value to EBITDA - | Shares Outstanding 92.52M | Shares Floating 90.04M |
Shares Outstanding 92.52M | Shares Floating 90.04M | ||
Percent Insiders 2.4 | Percent Institutions 98.08 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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