CNO Financial Group, Inc. logo

CNO Financial Group, Inc.

CNO

NYSEFinancial ServicesInsurance - Life

Previous close

$53.52

+$0.41 · +0.77%

Aug 21, 4:00 PM ET

CNO company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

52

Fair Value

Momentum

60

Neutral

Sentiment

65

Bullish

Risk resilience

81

Low Risk

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Company profile

Company website

Headquartered in Carmel, Indiana, and established in 1979, CNO Financial Group, Inc. operates across the United States, developing, marketing, and administering a broad spectrum of insurance and annuity products primarily for middle-income and senior individuals. The company's health insurance offerings span Medicare supplement plans, various supplemental health coverage (such as specified disease, accident, and hospital indemnity products), long-term care policies, and Medicare Advantage plans. CNO also underwrites a full suite of life insurance products, encompassing universal life, interest-sensitive options, and traditional policies like whole life, graded benefit life, term life, and single premium whole life. For wealth accumulation and retirement income, CNO provides an array of annuities, including fixed index, fixed interest (single and flexible premium deferred), and single premium immediate annuities, often catering to retirees and older self-employed individuals within the middle-income demographic. CNO employs a multi-channel approach to reach its diverse clientele. Individual customers can access products directly through phone, online platforms, mail, or face-to-face interactions. Additionally, the firm cultivates relationships with businesses, associations, and other membership groups, facilitating worksite and group sales by engaging with potential clients at their workplaces. These offerings are distributed through a robust network of agents, independent producers, and direct marketing efforts, promoted under the well-recognized brand names of Bankers Life, Washington National, and Colonial Penn.

Industry
Insurance - Life
Sector
Financial Services
Headquarters
US
CEO
Gary Chandru Bhojwani
Listed since
Sep 10, 2003
Employees
3,300

Market position

Day range

Current $53.52

52-week range

Current $53.52

Open
$53.79
Previous close
$53.11
Volume
576.75K
0.76× average
Average volume
754.03K
Average daily volume
Market cap
5B USD
Beta
0.82
Market reference 1
50-day average
$53.0606
+0.87% above average
200-day average
$45.3573
+18.00% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
18.02×
P/B (TTM)
1.92×
P/S (TTM)
1.08×
Dividend yield
1.29%

Profitability & efficiency

Gross margin
43.42%
Operating margin
7.66%
Net margin
6.02%

Financial health

Debt / equity
1.76×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends55%37%19%1%Gross margin, FY2021: 41.23%Gross margin, FY2022: 50.05%Gross margin, FY2023: 36.96%Gross margin, FY2024: 38.29%Gross margin, FY2025: 44.79%Operating margin, FY2021: 17.78%Operating margin, FY2022: 22.83%Operating margin, FY2023: 8.60%Operating margin, FY2024: 11.66%Operating margin, FY2025: 6.54%Net margin, FY2021: 13.83%Net margin, FY2022: 17.63%Net margin, FY2023: 6.67%Net margin, FY2024: 9.09%Net margin, FY2025: 5.11%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 41.23%. Gross margin FY2022 50.05%. Gross margin FY2023 36.96%. Gross margin FY2024 38.29%. Gross margin FY2025 44.79%. Operating margin FY2021 17.78%. Operating margin FY2022 22.83%. Operating margin FY2023 8.60%. Operating margin FY2024 11.66%. Operating margin FY2025 6.54%. Net margin FY2021 13.83%. Net margin FY2022 17.63%. Net margin FY2023 6.67%. Net margin FY2024 9.09%. Net margin FY2025 5.11%.

Income trends

Revenue

4.49B USD+0.94%

Operating income

293.4M USD-43.39%

Net income

229.3M USD-43.24%
Income trends across reported periods4.91B USD3.21B USD1.51B USD−196.51M USDRevenue, FY2021: 4.12B USDRevenue, FY2022: 3.58B USDRevenue, FY2023: 4.15B USDRevenue, FY2024: 4.45B USDRevenue, FY2025: 4.49B USDOperating income, FY2021: 733.1M USDOperating income, FY2022: 816.5M USDOperating income, FY2023: 356.8M USDOperating income, FY2024: 518.3M USDOperating income, FY2025: 293.4M USDNet income, FY2021: 570.3M USDNet income, FY2022: 630.6M USDNet income, FY2023: 276.5M USDNet income, FY2024: 404M USDNet income, FY2025: 229.3M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 4.12B USD. Revenue FY2022 3.58B USD. Revenue FY2023 4.15B USD. Revenue FY2024 4.45B USD. Revenue FY2025 4.49B USD. Operating income FY2021 733.1M USD. Operating income FY2022 816.5M USD. Operating income FY2023 356.8M USD. Operating income FY2024 518.3M USD. Operating income FY2025 293.4M USD. Net income FY2021 570.3M USD. Net income FY2022 630.6M USD. Net income FY2023 276.5M USD. Net income FY2024 404M USD. Net income FY2025 229.3M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue4.49B USD4.45B USD4.15B USD3.58B USD4.12B USD
Cost of goods sold2.48B USD2.74B USD2.61B USD1.79B USD2.42B USD
Gross profit2.01B USD1.7B USD1.53B USD1.79B USD1.7B USD
Selling, general, and administrative304.5M USD290.9M USD287.9M USD267.9M USD
Operating expenses1.72B USD1.18B USD1.18B USD973.7M USD966.3M USD
Interest expense230.9M USD254.4M USD238.6M USD137M USD95.4M USD
Depreciation and amortization318.5M USD292.4M USD267.4M USD248.5M USD236.6M USD
Operating income293.4M USD518.3M USD356.8M USD816.5M USD733.1M USD
Net income229.3M USD404M USD276.5M USD630.6M USD570.3M USD

Company facts updated Aug 24, 2026.

Earnings

Latest fiscal-year EPS
2.35
FY2025 · -37.17% year over year
Latest fiscal-year revenue
4.49B USD
FY2025 · +0.94% year over year
Next fiscal-year EPS consensus
4.75
FY2026 · 2 analysts

Annual EPS trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual EPS trend5.664.463.252.05FY21FY22FY23FY24FY25FY26FY27

Annual revenue trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual revenue trend4.58B4.21B3.85B3.49BFY21FY22FY23FY24FY25

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Recent analyst actions

5 institutions

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.67

2025 complete year+31.4% since 2021

2026 partial: $0.35

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 10, 2026

$0.18

Quarterly

Record Sep 10, 2026 · Payment Sep 24, 2026

Dividend

Ex-dividend Jun 10, 2026

$0.18

Quarterly

Record Jun 10, 2026 · Payment Jun 24, 2026

Dividend

Ex-dividend Mar 10, 2026

$0.17

Quarterly

Record Mar 10, 2026 · Payment Mar 24, 2026

Dividend

Ex-dividend Dec 10, 2025

$0.17

Quarterly

Record Dec 10, 2025 · Payment Dec 23, 2025

Dividend

Ex-dividend Sep 10, 2025

$0.17

Quarterly

Record Sep 10, 2025 · Payment Sep 24, 2025

Dividend

Ex-dividend Jun 10, 2025

$0.17

Quarterly

Record Jun 10, 2025 · Payment Jun 24, 2025

CNO peers

ETFs holding CNO

Funds reporting this stock among their holdings, ordered by reported position size.

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