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Upturn AI SWOT - About
CNO 
CNO Financial Group Inc (CNO)
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Upturn Advisory Summary
08/28/2025: 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 $42.4
1 Year Target Price $42.4
| 0 | Strong Buy |
| 1 | Buy |
| 4 | Hold |
| 0 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -10.81% | Avg. Invested days 38 | 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 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.83B USD | Price to earnings Ratio 14.25 | 1Y Target Price 42.4 |
Price to earnings Ratio 14.25 | 1Y Target Price 42.4 | ||
Volume (30-day avg) 6 | Beta 0.92 | 52 Weeks Range 31.00 - 43.01 | Updated Date 08/29/2025 |
52 Weeks Range 31.00 - 43.01 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 1.65% | Basic EPS (TTM) 2.77 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 6.59% | Operating Margin (TTM) 15.38% |
Management Effectiveness
Return on Assets (TTM) 1.05% | Return on Equity (TTM) 11.66% |
Valuation
Trailing PE 14.25 | Forward PE 9.71 | Enterprise Value 7184256838 | Price to Sales(TTM) 0.87 |
Enterprise Value 7184256838 | Price to Sales(TTM) 0.87 | ||
Enterprise Value to Revenue 1.64 | Enterprise Value to EBITDA - | Shares Outstanding 96931904 | Shares Floating 94508636 |
Shares Outstanding 96931904 | Shares Floating 94508636 | ||
Percent Insiders 2.22 | Percent Institutions 97.4 |
Upturn AI SWOT
CNO Financial Group Inc
Company Overview
History and Background
CNO Financial Group, Inc. was founded in 1979 as Conseco, Inc. It grew rapidly through acquisitions in the late 20th century but faced financial difficulties and filed for bankruptcy in 2002. After restructuring, it emerged as CNO Financial Group in 2004, focusing on insurance solutions for middle-income Americans.
Core Business Areas
- Washington National: Focuses on providing supplemental health insurance, life insurance, and annuities to middle-income Americans through a network of independent agents.
- Bankers Life: Offers life insurance, annuities, and long-term care insurance to pre-retirees and retirees through career agents.
- Colonial Penn: Specializes in direct-to-consumer life insurance, particularly guaranteed acceptance whole life insurance.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives responsible for different business units and functions. The organizational structure is departmental, with divisions for each business segment, finance, operations, and legal.
Top Products and Market Share
Key Offerings
- Life Insurance: Offers term, whole, and universal life insurance products. Market share is fragmented, and competitors include Prudential, MetLife, and New York Life. Difficult to ascertain exact market share per product. CNO serves the middle-market segment of this large industry.
- Market Share (%):
- Annuities: Provides fixed and variable annuities for retirement savings. Competitors include Athene, Jackson National, and Lincoln Financial. CNO focuses on fixed annuities for middle-income clients.
- Market Share (%):
- Market Share (%):
- Supplemental Health Insurance: Offers Medicare Supplement, cancer, heart, and accident insurance. Competitors include Aetna, UnitedHealthcare, and Humana. Targets the senior market with specific products.
- Long-Term Care Insurance: Policies which are underwritten with long-term care benefits. Competitors include Genworth Financial
- Market Share (%):
Market Dynamics
Industry Overview
The insurance industry is highly competitive and regulated. It faces challenges from changing demographics, low interest rates, and evolving consumer preferences. Digitalization and technological advancements are transforming the industry.
Positioning
CNO Financial Group focuses on the middle-income market, differentiating itself through a network of independent agents and direct-to-consumer channels. Its competitive advantages include a strong brand recognition and specialized product offerings.
Total Addressable Market (TAM)
The total addressable market for life, health, and annuity products targeting the middle-income segment is substantial, estimated to be hundreds of billions of dollars. CNO is positioned to capture a portion of this market through its distribution channels and product offerings.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive distribution network
- Focus on the middle-income market
- Diversified product portfolio
- Experienced management team
Weaknesses
- Exposure to interest rate fluctuations
- High operating expenses
- Legacy systems and technology
- Dependence on agent network
Opportunities
- Expanding into new geographic markets
- Developing new digital products and services
- Acquiring smaller insurance companies
- Capitalizing on the aging population
- Increase in demand for long-term care solutions
Threats
- Increased competition
- Changes in regulations
- Economic downturns
- Rising healthcare costs
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- PRU
- MET
- LNC
- GNW
- AHL
Competitive Landscape
CNO Financial Group competes with larger and smaller insurance companies. Its advantages include its focus on the middle-income market and its extensive distribution network. Disadvantages include its relatively small size and exposure to interest rate fluctuations.
Major Acquisitions
WebBenefits Insurance Services
- Year: 2018
- Acquisition Price (USD millions): 35
- Strategic Rationale: Expanded CNO's capabilities in the worksite benefits market.
Growth Trajectory and Initiatives
Historical Growth: CNO Financial Group's growth has been influenced by acquisitions, product innovation, and market conditions. Past growth rates can be calculated using historical financial data.
Future Projections: Analyst estimates for CNO Financial Group's future growth vary depending on market conditions and company performance. These projections can be found on financial websites and analyst reports.
Recent Initiatives: Recent initiatives include strategic acquisitions, product development, and investments in digital technology.
Summary
CNO Financial Group is a financial services company focusing on insurance and retirement solutions for middle-income Americans. Its strengths lie in its established brand, distribution network, and focus on a specific market segment. However, it faces challenges from interest rate sensitivity and technological advancements. It must capitalize on growth opportunities in new markets and digital products while mitigating threats from competition and regulatory changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Outlets
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice.
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 3400 | Website https://www.cnoinc.com |
Full time employees 3400 | 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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