📊 CNO-PA Key Takeaways
Is CNO Financial Group, Inc. (CNO-PA) a Good Investment?
CNO Financial Group demonstrates stable operating fundamentals with solid free cash flow generation (15.1% FCF margin) and manageable leverage (0.51x D/E), but faces concerning profitability headwinds with flat net income growth and a significant 40.9% diluted EPS decline despite modest revenue growth. The company's low net margin (5.1%) and weak ROA (0.6%) reflect margin compression in its insurance operations, warranting caution despite reasonable balance sheet strength.
CNO Financial Group shows solid operating profitability and healthy cash generation, with operating cash flow of $675.7M and a 15.1% FCF margin supporting financial flexibility. However, revenue growth is modest, net income is flat, and diluted EPS fell sharply year over year, which points to uneven earnings quality and limits conviction despite manageable balance-sheet leverage.
Why Buy CNO Financial Group, Inc. Stock? CNO-PA Key Strengths
- Strong free cash flow generation at $675.7M with 15.1% FCF margin supporting capital allocation flexibility
- Conservative leverage with 0.51x debt-to-equity ratio and adequate liquidity of $983.5M in cash
- Stable revenue base of $4.5B with modest 0.9% growth showing business resilience in core markets
- Strong cash generation relative to revenue, with $675.7M of operating cash flow and a 15.1% FCF margin
- Reasonable leverage profile, with debt/equity at 0.51x and nearly $983.5M in cash
- Consistent profitability, including a 12.3% operating margin and positive net income
CNO-PA Stock Risks: CNO Financial Group, Inc. Investment Risks
- Profitability deterioration with flat net income growth (0.0% YoY) and steep 40.9% diluted EPS decline signaling margin pressure and increased share dilution
- Weak return on assets (0.6%) and moderate return on equity (8.7%) indicating suboptimal capital efficiency for insurance operations
- Low net margin (5.1%) and tight interest coverage (2.4x) expose company to claims inflation, competitive pressure, and limited cushion for adverse developments
- Top-line growth is weak at just 0.9% year over year, suggesting limited business momentum
- Diluted EPS declined 40.9% despite flat net income, raising concerns about earnings quality or capital structure effects
- Interest coverage of 2.4x is not especially strong and reduces margin for error if financing costs or operating results weaken
Key Metrics to Watch
- Net income growth rate and margin trend - critical to assess if profitability erosion stabilizes or accelerates
- Loss ratios and combined ratios by segment - early warning indicators for underwriting performance deterioration
- Free cash flow sustainability and operating cash conversion - essential given reliance on cash generation for debt service and dividends
- Operating margin and net income trend
- Interest coverage and operating cash flow consistency
CNO Financial Group, Inc. (CNO-PA) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
CNO-PA Profit Margin, ROE & Profitability Analysis
CNO-PA vs Finance Sector: How CNO Financial Group, Inc. Compares
How CNO Financial Group, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is CNO Financial Group, Inc. Stock Overvalued? CNO-PA Valuation Analysis 2026
Based on fundamental analysis, CNO Financial Group, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
CNO Financial Group, Inc. Balance Sheet: CNO-PA Debt, Cash & Liquidity
CNO-PA Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: CNO Financial Group, Inc.'s revenue has shown modest growth of 9% over the 5-year period. The most recent EPS of $2.40 reflects profitable operations.
CNO-PA Revenue Growth, EPS Growth & YoY Performance
CNO-PA Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $1.1B | $9.3M | $0.09 |
| Q2 2025 | $1.1B | $21.5M | $0.09 |
| Q1 2025 | $1.0B | $13.7M | $0.13 |
| Q3 2024 | $947.5M | $9.3M | $0.09 |
| Q2 2024 | $1.0B | $72.9M | $0.63 |
| Q1 2024 | $1.0B | -$800.0K | $-0.01 |
| Q3 2023 | $905.3M | $167.3M | $1.46 |
| Q2 2023 | $855.0M | $72.9M | $0.63 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
CNO Financial Group, Inc. Dividends, Buybacks & Capital Allocation
CNO-PA SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for CNO Financial Group, Inc. (CIK: 0001224608)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Mar 27, 2026 | 4 | xslF345X06/wk-form4_1774651154.xml | View → |
| Mar 27, 2026 | 4 | xslF345X06/wk-form4_1774645290.xml | View → |
| Mar 27, 2026 | 4 | xslF345X06/wk-form4_1774645255.xml | View → |
| Mar 27, 2026 | 4 | xslF345X06/wk-form4_1774645217.xml | View → |
| Mar 27, 2026 | 4 | xslF345X06/wk-form4_1774645176.xml | View → |
❓ Frequently Asked Questions about CNO-PA
What is the AI rating for CNO-PA?
CNO Financial Group, Inc. (CNO-PA) has a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 71% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CNO-PA's key strengths?
Claude: Strong free cash flow generation at $675.7M with 15.1% FCF margin supporting capital allocation flexibility. Conservative leverage with 0.51x debt-to-equity ratio and adequate liquidity of $983.5M in cash. ChatGPT: Strong cash generation relative to revenue, with $675.7M of operating cash flow and a 15.1% FCF margin. Reasonable leverage profile, with debt/equity at 0.51x and nearly $983.5M in cash.
What are the risks of investing in CNO-PA?
Claude: Profitability deterioration with flat net income growth (0.0% YoY) and steep 40.9% diluted EPS decline signaling margin pressure and increased share dilution. Weak return on assets (0.6%) and moderate return on equity (8.7%) indicating suboptimal capital efficiency for insurance operations. ChatGPT: Top-line growth is weak at just 0.9% year over year, suggesting limited business momentum. Diluted EPS declined 40.9% despite flat net income, raising concerns about earnings quality or capital structure effects.
What is CNO-PA's revenue and growth?
CNO Financial Group, Inc. reported revenue of $4.5B.
Does CNO-PA pay dividends?
CNO Financial Group, Inc. pays dividends, with $66.2M distributed to shareholders in the trailing twelve months.
Where can I find CNO-PA SEC filings?
Official SEC filings for CNO Financial Group, Inc. (CIK: 0001224608) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CNO-PA's EPS?
CNO Financial Group, Inc. has a diluted EPS of $2.30.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is CNO-PA a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, CNO Financial Group, Inc. has a HOLD rating with 71% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is CNO-PA stock overvalued or undervalued?
Valuation metrics for CNO-PA: ROE of 8.7% (sector avg: 12%), net margin of 5.1% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy CNO-PA stock in 2026?
Our dual AI analysis gives CNO Financial Group, Inc. a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is CNO-PA's free cash flow?
CNO Financial Group, Inc.'s operating cash flow is $675.7M, with capital expenditures of N/A. FCF margin is 15.1%.
How does CNO-PA compare to other Finance stocks?
Vs Finance sector averages: Net margin 5.1% (avg: 25%), ROE 8.7% (avg: 12%), current ratio N/A (avg: 1.2).