CNO

HoldHot AirFLAG

CNO Financial Group, Inc. · Financial Services · United States · $5.0B · Avg Vol: $55M/d

Hot Air: Rising on momentum alone: weak business, rich price.

62
StockRank
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Quality
45
Value
34
Momentum
76
P/E (TTM)
19.0x
peers 12.6x
ROE
10.9%
peers 9.6%
D/E
1.8x
peers 0.3x
Dividend %
1.2%
trailing yield
AI CONVICTION THESIS

CNO Financial has exceptional momentum at M84 with a buyback on file, but quality at Q46 is below the calibrated floor and value V47 is offset, so stage one fails. Insider selling is separately adverse.

The ranks quoted here are from the day it was written; today's Quality, Value and Momentum are the bars above.

ABOUT CNO FINANCIAL GROUP, INC.

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CNO Financial Group, Inc. is an insurance holding company specializing in health, life, and annuity products tailored to middle-income Americans, particularly seniors, through brands such as Bankers Life and Colonial Penn. The company's competitive advantage lies in its deep understanding of this demographic, extensive agent distribution network, and specialized product offerings that address the unique financial and healthcare needs of its target market. CNO Financial Group holds a leading position in serving this specific, growing segment of the U.S. population.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue3.6B4.1B4.4B4.5B7.9%4.6B4.0B4.1B-4.2%
EPS3.432.443.812.35-11.8%2.902.492.696.9%
Shares114.3M109.4M101.6M94.5M-17.4%92.5M———
Debt3.9B4.2B4.5B4.1B1.4%4.6B———
Equity1.8B2.2B2.5B2.6B14.3%————
Op CF495.4M582.9M627.7M675.7M10.9%698.9M———
Inv CF-1.8B-872.3M-1.5B-1.7B—————
Fin CF1.2B533.5M2.0B-22.6M—————
Loading 1Y...
PRICE (1Y)-2.4%
53.1154.0254.9355.8456.7513 Aug3 Sep24 Sep
SMA 50SMA 200

Close
$53.52
RSI (14)
23.2
52-Week Range-6.8% from high
Low $37.64High $57.40

SCORE BREAKDOWN

Quality
45
ROIC (ROA)
1.1%*38.4
ROE
10.9%54.3
GP/Assets
4.6%51.3
Op. Margin
16.7%33.4
FCF/Assets
n/mN/A
Piotroski
567.5
Int. Cover
2.6x27.5
D/E Ratio
1.76x19.1
Current Ratio
2.27x61.5
Value
34
P/E (TTM)
19.0x25.5
EV/EBITDA
n/mN/A
P/FCF
n/mN/A
P/B
2.0x25.8
P/S
1.1x86.9
Div Yield
1.2%12.9
Momentum
76
52W High %
93%69.0
RS 6M
15%81.1
SMA 50/200
1.16x89.7
EPS Rev 4W
+1.0%77.7
EPS Rev 12W
+1.5%68.3
EPS Improve
+73%79.6
Q Growth
37%66.1

FUNDAMENTALS

Market Cap
$5.0B
P/E (Forward)
11.0x
Gross Margin
38.7%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CNO are excluded.

TickerCompanyMkt CapStockRankSignal
CNOCNO Financial Group, Inc.(you)$5.0B62Hold
GNWGenworth Financial, Inc.$3.6B55Hold
PRIPrimerica, Inc.$8.5B71Buy
GLGlobe Life Inc.$13.0B61Hold
JXNJackson Financial Inc.$8.8B52Hold
BHFBrighthouse Financial, Inc.$3.0B73Buy
LNCLincoln National Corporation$7.9B82Strong Buy
FGF&G Annuities & Life, Inc.$2.8B40Hold
UNMUnum Group$15.0B47Hold
METMetLife, Inc.$61.8B55Hold

Peer medians: ROE 9.6% · P/E 12.6x · Gross margin 100.0%

Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

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CNO Financial Group, Inc. (CNO): Stock Score Summary

CNO Financial Group, Inc. (CNO) has a MoatMap StockRank of 62/100 based on Quality (45/100), Value (34/100), and Momentum (76/100) factor scores. The current signal is HOLD. CNO Financial has exceptional momentum at M84 with a buyback on file, but quality at Q46 is below the calibrated floor and value V47 is offset, so stage one fails. Insider selling is separately adverse.

CNO Financial Group, Inc. is an insurance holding company specializing in health, life, and annuity products tailored to middle-income Americans, particularly seniors, through brands such as Bankers Life and Colonial Penn. The company's competitive advantage lies in its deep understanding of this demographic, extensive agent distribution network, and specialized product offerings that address the unique financial and healthcare needs of its target market. CNO Financial Group holds a leading position in serving this specific, growing segment of the U.S. population.

Key Financial Metrics

Price$53.52
Market Cap$5.0B
P/E (TTM)19.04
P/E (Forward)10.98
Price/Book1.97
Return on Equity10.9%
Debt/Equity1.76x
Gross Margin38.7%
Operating Margin16.7%
Revenue Growth11.6%
Dividend Yield1.2%
Free Cash Flow$996M

CNO Financial Group, Inc. operates in the Insurance - Life industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is CNO Financial Group, Inc.’s (CNO) StockRank?
MoatMap’s StockRank for CNO Financial Group, Inc. (CNO) is 62/100, with a Hold signal. It is a composite of Quality (45), Value (34), and Momentum (76) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does CNO Financial Group, Inc. have an economic moat?
CNO Financial Group, Inc. (CNO) has a Quality factor score of 45/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is CNO Financial Group, Inc. a buy, hold, or sell?
MoatMap’s current signal for CNO Financial Group, Inc. (CNO) is Hold, based on a StockRank of 62/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is CNO Financial Group, Inc. in?
CNO Financial Group, Inc. (CNO) operates in the Financial Services sector, specifically the Insurance - Life industry (United States).