CNO Financial Group, Inc. Logo

CNO Financial Group, Inc.

CNO

(2.2)
Stock Price

35,42 USD

0.85% ROA

13.6% ROE

10.77x PER

Market Cap.

3.040.955.810,00 USD

219.46% DER

2.18% Yield

6.67% NPM

CNO Financial Group, Inc. Stock Analysis

CNO Financial Group, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

CNO Financial Group, Inc. Fundamental Stock Analysis
# Analysis Rating
1 Dividend Growth

Investors can be encouraged by the company's strong dividend growth over the past five years, highlighting its ability to generate consistent returns and provide an attractive investment opportunity.

2 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

3 ROE

ROE in an average range (13.16%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (0.65%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 PBV

The stock's PBV ratio (1.46x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

6 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

7 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (386), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

8 DER

The company has a high debt to equity ratio (199%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

9 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

10 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

11 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

CNO Financial Group, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

CNO Financial Group, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

CNO Financial Group, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

CNO Financial Group, Inc. Revenue
Year Revenue Growth
2000 5.581.400.000
2001 5.492.000.000 -1.63%
2002 4.450.400.000 -23.4%
2003 4.707.700.000 5.47%
2004 4.330.000.000 -8.72%
2005 4.326.500.000 -0.08%
2006 4.467.400.000 3.15%
2007 4.572.300.000 2.29%
2008 4.189.700.000 -9.13%
2009 4.341.400.000 3.49%
2010 4.083.900.000 -6.31%
2011 4.124.600.000 0.99%
2012 4.342.700.000 5.02%
2013 4.476.100.000 2.98%
2014 4.144.700.000 -8%
2015 3.800.600.000 -9.05%
2016 3.992.400.000 4.8%
2017 4.301.500.000 7.19%
2018 4.313.500.000 0.28%
2019 4.015.800.000 -7.41%
2020 3.821.100.000 -5.1%
2021 4.122.200.000 7.3%
2022 3.576.800.000 -15.25%
2023 3.790.000.000 5.63%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

CNO Financial Group, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2000 0
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

CNO Financial Group, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2000 0
2001 0 0%
2002 0 0%
2003 70.500.000 100%
2004 195.500.000 63.94%
2005 186.000.000 -5.11%
2006 184.000.000 -1.09%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 226.600.000 100%
2013 234.000.000 3.16%
2014 242.400.000 3.47%
2015 205.200.000 -18.13%
2016 231.000.000 11.17%
2017 237.300.000 2.65%
2018 233.200.000 -1.76%
2019 238.200.000 2.1%
2020 252.600.000 5.7%
2021 267.900.000 5.71%
2022 287.900.000 6.95%
2023 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

CNO Financial Group, Inc. EBITDA
Year EBITDA Growth
2000 -1.191.200.000
2001 -5.900.000 -20089.83%
2002 -6.617.800.000 99.91%
2003 3.051.300.000 316.88%
2004 904.800.000 -237.23%
2005 950.100.000 4.77%
2006 649.200.000 -46.35%
2007 427.500.000 -51.86%
2008 -200.500.000 313.22%
2009 752.400.000 126.65%
2010 872.000.000 13.72%
2011 951.900.000 8.39%
2012 585.300.000 -62.63%
2013 734.700.000 20.33%
2014 542.100.000 -35.53%
2015 746.000.000 27.33%
2016 744.600.000 -0.19%
2017 869.600.000 14.37%
2018 177.200.000 -390.74%
2019 506.300.000 65%
2020 612.400.000 17.33%
2021 848.800.000 27.85%
2022 999.600.000 15.09%
2023 862.400.000 -15.91%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

CNO Financial Group, Inc. Gross Profit
Year Gross Profit Growth
2000 5.581.400.000
2001 5.492.000.000 -1.63%
2002 4.450.400.000 -23.4%
2003 4.707.700.000 5.47%
2004 4.330.000.000 -8.72%
2005 4.326.500.000 -0.08%
2006 4.467.400.000 3.15%
2007 4.572.300.000 2.29%
2008 4.189.700.000 -9.13%
2009 4.341.400.000 3.49%
2010 4.083.900.000 -6.31%
2011 4.124.600.000 0.99%
2012 4.342.700.000 5.02%
2013 4.476.100.000 2.98%
2014 4.144.700.000 -8%
2015 3.800.600.000 -9.05%
2016 3.992.400.000 4.8%
2017 4.301.500.000 7.19%
2018 4.313.500.000 0.28%
2019 4.015.800.000 -7.41%
2020 3.821.100.000 -5.1%
2021 4.122.200.000 7.3%
2022 3.576.800.000 -15.25%
2023 2.801.600.000 -27.67%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

CNO Financial Group, Inc. Net Profit
Year Net Profit Growth
2000 -1.191.200.000
2001 -405.900.000 -193.47%
2002 -7.835.700.000 94.82%
2003 2.298.000.000 440.98%
2004 294.800.000 -679.51%
2005 324.900.000 9.26%
2006 96.500.000 -236.68%
2007 -179.900.000 153.64%
2008 -1.126.700.000 84.03%
2009 85.700.000 1414.7%
2010 284.600.000 69.89%
2011 382.500.000 25.59%
2012 221.000.000 -73.08%
2013 478.000.000 53.77%
2014 51.400.000 -829.96%
2015 270.700.000 81.01%
2016 358.200.000 24.43%
2017 175.600.000 -103.99%
2018 -315.000.000 155.75%
2019 409.400.000 176.94%
2020 301.800.000 -35.65%
2021 441.000.000 31.56%
2022 396.800.000 -11.14%
2023 669.200.000 40.71%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

CNO Financial Group, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2000 -12
2001 -4 -175%
2002 -78 94.87%
2003 23 454.55%
2004 1 -2100%
2005 2 0%
2006 0 0%
2007 -1 100%
2008 -6 83.33%
2009 0 0%
2010 1 100%
2011 2 0%
2012 1 0%
2013 2 100%
2014 0 0%
2015 1 100%
2016 2 50%
2017 1 -100%
2018 -2 200%
2019 3 150%
2020 2 0%
2021 3 33.33%
2022 3 0%
2023 6 40%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

CNO Financial Group, Inc. Free Cashflow
Year Free Cashflow Growth
2002 1.295.700.000
2003 1.186.400.000 -9.21%
2004 1.047.600.000 -13.25%
2005 1.162.100.000 9.85%
2006 931.200.000 -24.8%
2007 703.300.000 -32.4%
2008 986.800.000 28.73%
2009 644.000.000 -53.23%
2010 734.000.000 12.26%
2011 774.800.000 5.27%
2012 634.900.000 -22.03%
2013 720.400.000 11.87%
2014 121.800.000 -491.46%
2015 743.900.000 83.63%
2016 759.500.000 2.05%
2017 613.100.000 -23.88%
2018 317.800.000 -92.92%
2019 696.700.000 54.38%
2020 735.500.000 5.28%
2021 598.300.000 -22.93%
2022 495.400.000 -20.77%
2023 182.800.000 -171.01%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

CNO Financial Group, Inc. Operating Cashflow
Year Operating Cashflow Growth
2002 1.295.700.000
2003 1.186.400.000 -9.21%
2004 1.047.600.000 -13.25%
2005 1.162.100.000 9.85%
2006 931.200.000 -24.8%
2007 703.300.000 -32.4%
2008 986.800.000 28.73%
2009 644.000.000 -53.23%
2010 734.000.000 12.26%
2011 774.800.000 5.27%
2012 634.900.000 -22.03%
2013 720.400.000 11.87%
2014 121.800.000 -491.46%
2015 743.900.000 83.63%
2016 759.500.000 2.05%
2017 613.100.000 -23.88%
2018 317.800.000 -92.92%
2019 696.700.000 54.38%
2020 735.500.000 5.28%
2021 598.300.000 -22.93%
2022 495.400.000 -20.77%
2023 182.800.000 -171.01%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

CNO Financial Group, Inc. Capital Expenditure
Year Capital Expenditure Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

CNO Financial Group, Inc. Equity
Year Equity Growth
2000 4.374.400.000
2001 4.753.000.000 7.97%
2002 -2.050.400.000 331.81%
2003 2.817.600.000 172.77%
2004 3.902.200.000 27.79%
2005 4.519.800.000 13.66%
2006 4.713.100.000 4.1%
2007 4.235.900.000 -11.27%
2008 1.619.200.000 -161.6%
2009 3.532.400.000 54.16%
2010 4.325.300.000 18.33%
2011 5.032.600.000 14.05%
2012 5.049.300.000 0.33%
2013 4.955.200.000 -1.9%
2014 4.688.200.000 -5.7%
2015 4.138.500.000 -13.28%
2016 4.486.900.000 7.76%
2017 4.847.500.000 7.44%
2018 3.370.900.000 -43.8%
2019 4.677.000.000 27.93%
2020 5.484.200.000 14.72%
2021 5.259.700.000 -4.27%
2022 1.400.800.000 -275.48%
2023 1.890.100.000 25.89%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

CNO Financial Group, Inc. Assets
Year Assets Growth
2000 58.589.200.000
2001 61.432.200.000 4.63%
2002 46.509.000.000 -32.09%
2003 29.920.100.000 -55.44%
2004 30.755.500.000 2.72%
2005 31.557.300.000 2.54%
2006 32.717.300.000 3.55%
2007 33.514.800.000 2.38%
2008 28.769.700.000 -16.49%
2009 30.343.800.000 5.19%
2010 31.899.600.000 4.88%
2011 33.332.700.000 4.3%
2012 34.131.400.000 2.34%
2013 34.780.600.000 1.87%
2014 31.184.200.000 -11.53%
2015 31.125.100.000 -0.19%
2016 31.975.200.000 2.66%
2017 33.110.300.000 3.43%
2018 31.439.800.000 -5.31%
2019 33.630.900.000 6.52%
2020 35.339.900.000 4.84%
2021 36.204.400.000 2.39%
2022 33.339.200.000 -8.59%
2023 33.507.400.000 0.5%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

CNO Financial Group, Inc. Liabilities
Year Liabilities Growth
2000 54.214.800.000
2001 56.679.200.000 4.35%
2002 48.559.400.000 -16.72%
2003 27.102.500.000 -79.17%
2004 26.853.300.000 -0.93%
2005 27.037.500.000 0.68%
2006 28.004.200.000 3.45%
2007 29.278.900.000 4.35%
2008 27.150.500.000 -7.84%
2009 26.811.400.000 -1.26%
2010 27.574.300.000 2.77%
2011 28.300.100.000 2.56%
2012 29.082.100.000 2.69%
2013 29.825.400.000 2.49%
2014 26.496.000.000 -12.57%
2015 26.986.600.000 1.82%
2016 27.488.300.000 1.83%
2017 28.262.800.000 2.74%
2018 28.068.900.000 -0.69%
2019 3.785.900.000 -641.41%
2020 3.930.500.000 3.68%
2021 4.001.000.000 1.76%
2022 31.938.400.000 87.47%
2023 31.617.300.000 -1.02%

CNO Financial Group, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
35.05
Net Income per Share
2.52
Price to Earning Ratio
10.77x
Price To Sales Ratio
0.77x
POCF Ratio
5.39
PFCF Ratio
5.36
Price to Book Ratio
1.62
EV to Sales
1.7
EV Over EBITDA
13.16
EV to Operating CashFlow
11.86
EV to FreeCashFlow
11.86
Earnings Yield
0.09
FreeCashFlow Yield
0.19
Market Cap
3,04 Bil.
Enterprise Value
6,73 Bil.
Graham Number
30.82
Graham NetNet
-62.4

Income Statement Metrics

Net Income per Share
2.52
Income Quality
2
ROE
0.16
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.77
EBT Per Ebit
1.18
Ebit per Revenue
0.07
Effective Tax Rate
0.23

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
-0
Gross Profit Margin
0.75
Operating Profit Margin
0.07
Pretax Profit Margin
0.09
Net Profit Margin
0.07

Dividends

Dividend Yield
0.02
Dividend Yield %
2.18
Payout Ratio
0.24
Dividend Per Share
0.59

Operating Metrics

Operating Cashflow per Share
5.03
Free CashFlow per Share
5.03
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.05
Return on Tangible Assets
0.01
Days Sales Outstanding
470.63
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0.78
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
184,28
Book Value per Share
16,77
Tangible Book Value per Share
16.77
Shareholders Equity per Share
16.77
Interest Debt per Share
38.79
Debt to Equity
2.19
Debt to Assets
0.12
Net Debt to EBITDA
7.21
Current Ratio
9.1
Tangible Asset Value
1,89 Bil.
Net Current Asset Value
-31,50 Bil.
Invested Capital
2.19
Working Capital
0,11 Bil.
Intangibles to Total Assets
0
Average Receivables
5,06 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.36

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

CNO Financial Group, Inc. Dividends
Year Dividends Growth
2012 0
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 1 0%
2022 1 0%
2023 1 0%

CNO Financial Group, Inc. Profile

About CNO Financial Group, Inc.

CNO Financial Group, Inc., through its subsidiaries, develops, markets, and administers health insurance, annuity, individual life insurance, and other insurance products for senior and middle-income markets 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 individuals through phone, online, mail, and face-to-face. The company also focuses on worksite and group sales for businesses, associations, and other membership groups by interacting with customers at their place of employment. In addition, it provides fixed index 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 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. CNO Financial Group, Inc. markets its products under the Bankers Life, Washington National, and Colonial Penn brand names. The company sells its products through agents, independent producers, and direct marketing. CNO Financial Group, Inc. was founded in 1979 and is headquartered in Carmel, Indiana.

CEO
Mr. Gary Chandru Bhojwani
Employee
3.500
Address
11825 North Pennsylvania Street
Carmel, 46032

CNO Financial Group, Inc. Executives & BODs

CNO Financial Group, Inc. Executives & BODs
# Name Age
1 Mr. Eric Ronald Johnson
Chief Investment Officer
70
2 Ms. Michellen A. Wildin
Senior Vice President & Chief Accounting Officer
70
3 Mr. Matthew Joseph Zimpfer
Executive Vice President & General Counsel
70
4 Ms. Nancy Sweet
Chief Compliance Officer and Vice President
70
5 Mr. Gary Chandru Bhojwani
Chief Executive Officer & Director
70
6 Mr. Scott Louis Goldberg CPA
President of Consumer Division
70
7 Mr. Paul Harrington McDonough
Chief Financial Officer & Executive Vice President
70
8 Ms. Jeanne L. Linnenbringer
Chief Operations Officer
70
9 Mr. Michael E. Mead
Chief Information Officer
70
10 Mr. Doug Williams
Vice President of Finance & Administration
70

CNO Financial Group, Inc. Competitors