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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
11/06/2026: CNO (4-star) is a STRONG-BUY. BUY for 6 days. Simulated Profits (-3.85%). Updated daily EoD!
CNO Financial Group is a mid-cap insurance company that provides life, health, and annuity products primarily to middle-income Americans. Its business strength lies in a balanced distribution network and a disciplined approach to capital management. The primary investment story revolves around the company's efforts to grow its worksite benefits and digital distribution segments while maintaining core underwriting profitability. Risks include sensitivity to interest rate fluctuations, competitive pressures in the middle market, and the execution risk of technological integration. The stock may suit value and income-oriented investors looking for stable insurance exposure, provided they monitor interest rate trends and regulatory developments impacting the industry.
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 is a mature, stable company rather than a high-growth disruptor. |
| Momentum investor | Weak fit | The stock typically trades based on value and interest rate sensitivity rather than explosive momentum. |
| Value investor | Strong fit while signal remains positive | The company is often priced at reasonable multiples of earnings and book value. |
| Dividend investor | Strong fit | Reliable dividend payments make it a solid consideration for income-focused portfolios. |
| Low-risk investor | Mixed fit | While stable, the insurance sector is sensitive to macroeconomic shifts and regulatory risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Stock price can be influenced by broader market conditions and sector-wide interest rate trends. |
| Valuation risk | Low | The stock generally trades in line with sector peers based on price-to-earnings metrics. |
| Competition risk (Insurance market) | Medium / high | Large incumbents and new insurtech players compete for the same middle-market customers. |
| Business quality | Medium | The company operates a stable, well-capitalized business but with modest competitive moats. |
| Dividend income | Medium | Dividends are generally stable, though subject to capital requirements. |
| Execution risk | Medium | Maintaining sales productivity across both agents and independent channels requires constant focus. |
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 33.73% | Avg. Invested days 53 | Today’s Advisory Regular Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/06/2026 |
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 5.17B USD | Price to earnings Ratio 14.43 | 1Y Target Price 56.75 |
Price to earnings Ratio 14.43 | 1Y Target Price 56.75 | ||
Volume (30-day avg) 931.2K shares | Beta 0.81 | 52 Weeks Range 38.72 - 59.15 | Updated Date 11/05/2026 |
52 Weeks Range 38.72 - 59.15 | Updated Date 11/05/2026 | ||
Dividends yield (FY) 1.21% | Basic EPS (TTM) 3.91 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Consumer Insurance Premiums | Individual life and health policy premiums. | This is the core engine of recurring revenue from policyholders. |
| Worksite Sales | Supplemental benefit premiums sold through employers. | A high-growth area that taps into corporate payroll systems. |
| Investment Income | Interest and dividends from the company's asset portfolio. | Crucial profitability driver that rises when interest rates are higher. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-29 | When After Market | Estimate 1.09 | Actual 1.9 |
Profitability
Profit Margin 9.19% | Operating Margin (TTM) 26.2% |
Management Effectiveness
Return on Assets (TTM) 1.24% | Return on Equity (TTM) 16.93% |
Valuation
Trailing PE 14.43 | Forward PE 9.78 | Enterprise Value 8.70B | Price to Sales(TTM) 1.14 |
Enterprise Value 8.70B | Price to Sales(TTM) 1.14 | ||
Enterprise Value to Revenue 1.91 | Enterprise Value to EBITDA - | Shares Outstanding 91.71M | Shares Floating 89.22M |
Shares Outstanding 91.71M | Shares Floating 89.22M | ||
Percent Insiders 2.42 | Percent Institutions 98.16 |
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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