CNO Financial Group Inc. Common Stock (CNO)

FairStock Score: 39/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for insurers that earn consistent underwriting profits and grow book value. CNO sells Medicare supplement, supplemental health, life and annuities to middle-income pre-retirees and retirees. In fiscal year 2025, the year ended 2025-12-31, it reported revenue of $4.5B, net income of $229.3M, and diluted EPS of $2.30. That was down from fiscal year 2024, when net income was $420.8M and diluted EPS was $3.89, though above fiscal year 2023's $276.5M and $2.40. The latest filed quarter, fiscal Q2 2026 ended 2026-06-30, was better: revenue $1.3B, net income $125.9M, diluted EPS $1.33. FairStock's Lynch rule calls CNO a slow grower, with profit shrinking 5.3% a year over five years and revenue growing 3.3%. At the 2026-10-13 close of $53.42, FairStock calculates P/E 18.42, P/B 1.91, ROE 10.93%, ROCE 1.09%, debt/equity 1.76, dividend yield 1.30%, beta 0.81, Piotroski 6/9, and PEG 0.50. ROE near 11% is respectable but not exceptional. Paying 1.9 times book requires consistent returns, and leverage is meaningful for an insurer. CET1 and NIM are bank-specific and not in the data; a combined ratio is not provided either. FairStock score 39/100 signals caution. The price looks fair rather than compelling given lumpy earnings.

In plain English: CNO Financial sells health, life and annuity products to middle-income Americans who are near or in retirement. The business looks mixed: the latest quarter was solid, but profits have bounced around and shrank over the past five years. At the recent price, investors are paying about 18 times yearly profit and nearly twice net assets, which looks fair to a bit rich for those uneven results.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q4 2025 10-K (period ended 2025-12-31) · fiscal Q3 2025 10-K (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer