📊 CNO-PA Key Takeaways
Investment Thesis
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-PA 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
CNO-PA 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
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
CNO-PA Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
CNO-PA Profitability Ratios
CNO-PA vs Finance Sector
How CNO Financial Group, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CNO-PA Balance Sheet & Liquidity
CNO-PA 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 Growth Metrics (YoY)
CNO-PA Quarterly 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-PA Capital Allocation
CNO-PA SEC Filings
Access official SEC EDGAR filings for CNO Financial Group, Inc. (CIK: 0001224608)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CNO-PA
What is the AI rating for CNO-PA?
CNO Financial Group, Inc. (CNO-PA) has an AI rating of HOLD with 65% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CNO-PA's 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.
What are the risks of investing in CNO-PA?
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.
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?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.