Stock AnalizCNO Financial Group, Inc. CNO
Accident &Health Insurance · data as of November 13, 2026
CNO Financial Group, Inc. (CNO) is a financial company listed in the US with a market value of about $5.2B. In the twelve months to September 30, 2026 it had revenue of $4.5B and net income of $418M, a net margin of 9.2%.
Its overall Stock Analiz score is 2.4 out of 5 (weak). The strongest part is shareholder returns (4/5); the weakest is future growth (1/5).
Key numbers: a P/E of 13.1, a price to free cash flow of 7.1, 5-year revenue growth of 3% a year, a 5-year average ROIC of 10%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 56% below the current price.
Score: 2.4 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- 3-year free cash flow growth above 10% a year
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
- Positive free cash flow
- Debt below 3 years of free cash flow
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4.5B | $4.5B | $4.4B | $4.1B | $3.6B | $4.1B | $3.8B | $4.0B | $4.3B | $4.3B | $4.0B |
| Net income | $418M | $229M | $421M | $276M | $631M | $570M | $302M | $409M | -$315M | $176M | $358M |
| Free cash flow | $743M | $676M | $628M | $583M | $495M | $598M | $736M | $697M | $318M | $633M | $776M |
| EPS (diluted) | $4.38 | $2.30 | $3.89 | $2.40 | $5.36 | $4.35 | $2.11 | $2.61 | $-1.90 | $1.02 | $2.01 |
| Net margin | 9.2% | 5.1% | 9.5% | 6.7% | 17.6% | 13.8% | 7.9% | 10.2% | -7.3% | 4.1% | 9.0% |
| ROIC | — | 10.6% | 9.7% | 10.3% | 12.2% | 8.2% | 6.1% | 5.1% | 7.0% | 6.2% | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 4 analysts is $56.75, 1% below the current price; targets range from $54.00 to $58.00; the consensus rating is “Hold”; expected EPS is $5.57 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is CNO Financial Group’s P/E ratio?
About 13.1, based on the last twelve months of diluted earnings per share (forward P/E about 11.3).
Is CNO Financial Group stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 56% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does CNO Financial Group pay a dividend?
Yes. The dividend yield is about 1.25%, and it has paid dividends for 10 years in our data.
Is CNO Financial Group a good stock to buy?
We do not give buy or sell advice. CNO Financial Group scores 2.4 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.