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Upturn AI SWOT - About
CNO 
CNO Financial Group Inc (CNO)
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Upturn Advisory Summary
09/17/2025: 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 -11.27% | Avg. Invested days 40 | 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 09/17/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.78B USD | Price to earnings Ratio 14.09 | 1Y Target Price 42.4 |
Price to earnings Ratio 14.09 | 1Y Target Price 42.4 | ||
Volume (30-day avg) 6 | Beta 0.91 | 52 Weeks Range 33.28 - 42.82 | Updated Date 09/17/2025 |
52 Weeks Range 33.28 - 42.82 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 1.69% | 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 14.09 | Forward PE 9.71 | Enterprise Value 7097018097 | Price to Sales(TTM) 0.86 |
Enterprise Value 7097018097 | Price to Sales(TTM) 0.86 | ||
Enterprise Value to Revenue 1.62 | Enterprise Value to EBITDA - | Shares Outstanding 96931934 | Shares Floating 94571641 |
Shares Outstanding 96931934 | Shares Floating 94571641 | ||
Percent Insiders 2.22 | Percent Institutions 97.37 |
Upturn AI SWOT
CNO Financial Group Inc
Company Overview
History and Background
CNO Financial Group, Inc. was founded in 1979 as Conseco, Inc. Following financial difficulties and bankruptcy in 2002, the company emerged and rebranded as CNO Financial Group in 2004. The company has since focused on providing insurance and financial services to middle-income Americans, primarily through its three brands: Bankers Life, Colonial Penn, and Washington National.
Core Business Areas
- Bankers Life: Focuses on providing life insurance, annuities, long-term care insurance, and Medicare supplement insurance to the senior market.
- Colonial Penn: Offers guaranteed acceptance life insurance products, primarily through direct response marketing, to individuals aged 50 and over.
- Washington National: Provides supplemental health insurance, life insurance, and worksite benefits to middle-income Americans through independent agents and employer-sponsored programs.
Leadership and Structure
CNO Financial Group Inc. is led by an executive management team headed by the CEO. The organizational structure consists of various departments, including finance, operations, sales, marketing, actuarial, and legal. The Board of Directors oversees the company's strategic direction and performance.
Top Products and Market Share
Key Offerings
- Life Insurance: Provides various life insurance products, including term, whole, and universal life policies. Competitors include Prudential (PRU), MetLife (MET), and New York Life. Limited Market share data available on a product level, but CNO generally focuses on the middle market segment of the insurance industry with significant competition.
- Annuities: Offers fixed and immediate annuities. Competitors include Athene Holding (ATH), Jackson National Life, and Pacific Life. Limited Market share data available on a product level, but CNO generally focuses on the middle market segment of the insurance industry with significant competition.
- Supplemental Health Insurance: Offers Medicare supplement, critical illness, and accident insurance. Competitors include UnitedHealth Group (UNH), Humana (HUM), and Aetna (CVS). Limited Market share data available on a product level, but CNO generally focuses on the middle market segment of the insurance industry with significant competition.
Market Dynamics
Industry Overview
The insurance industry is highly competitive and regulated, facing evolving consumer preferences, technological advancements, and economic conditions. Key trends include digital transformation, increasing demand for personalized products, and growing regulatory scrutiny.
Positioning
CNO Financial Group focuses on serving the insurance and financial needs of middle-income Americans, a large and underserved market. Its competitive advantages include a strong distribution network, brand recognition, and product portfolio tailored to its target market.
Total Addressable Market (TAM)
The total addressable market for life insurance and annuities in the US is estimated to be hundreds of billions of dollars annually. CNO is positioned to capture a portion of this market through its focus on the middle-income segment.
Upturn SWOT Analysis
Strengths
- Strong distribution network
- Established brand recognition
- Focus on the middle-income market
- Diversified product portfolio
- Experienced management team
Weaknesses
- Relatively smaller size compared to larger competitors
- Sensitivity to interest rate fluctuations
- Dependence on agent network
- Past financial difficulties impact brand perception
Opportunities
- Expanding product offerings
- Leveraging digital technology
- Acquiring smaller competitors
- Growing demand for retirement solutions
- Increasing penetration in underserved markets
Threats
- Intense competition
- Regulatory changes
- Economic downturn
- Rising interest rates
- Changing consumer preferences
Competitors and Market Share
Key Competitors
- PRU
- MET
- AIG
- SLF
Competitive Landscape
CNO Financial Group competes with larger, well-established players in the insurance industry. CNO's strength lies in its focus on the middle-income market, but it faces challenges in terms of scale and brand recognition compared to its larger rivals.
Major Acquisitions
DirectPath
- Year: 2018
- Acquisition Price (USD millions): 255
- Strategic Rationale: Expanded worksite solutions and benefits communication capabilities.
Growth Trajectory and Initiatives
Historical Growth: Discuss CNO Financial Group Inc's growth trends over the past years.
Future Projections: Provide projections for CNO Financial Group Inc's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by CNO Financial Group Inc.
Summary
CNO Financial Group is a mid-sized player in the insurance market, focused on serving middle-income Americans. The company's strengths lie in its established distribution network and brand recognition, but faces challenges from larger competitors and sensitivity to interest rate fluctuations. Growing demand for retirement solutions and digital transformation represent opportunities for future growth. CNO must also navigate intense competition and potential regulatory changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Market Research Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be construed as financial advice. Market share data is based on available estimates and may vary. The AI-based rating is based on an automated analysis and should not be considered a substitute for professional 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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