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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.16
CNO's Cash to Debt is ranked lower than
94% of the 78 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.06 vs. CNO: 0.16 )
Ranked among companies with meaningful Cash to Debt only.
CNO' s 10-Year Cash to Debt Range
Min: 0.08  Med: 0.21 Max: N/A
Current: 0.16
Equity to Asset 0.14
CNO's Equity to Asset is ranked higher than
74% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.09 vs. CNO: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
CNO' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.14 Max: 0.15
Current: 0.14
0.06
0.15
Interest Coverage 1.89
CNO's Interest Coverage is ranked lower than
89% of the 62 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.17 vs. CNO: 1.89 )
Ranked among companies with meaningful Interest Coverage only.
CNO' s 10-Year Interest Coverage Range
Min: 0.03  Med: 2.89 Max: 9999.99
Current: 1.89
0.03
9999.99
F-Score: 5
WACC vs ROIC
7.89%
3.88%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 9.87
CNO's Operating margin (%) is ranked higher than
56% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.73 vs. CNO: 9.87 )
Ranked among companies with meaningful Operating margin (%) only.
CNO' s 10-Year Operating margin (%) Range
Min: -28.99  Med: 4.22 Max: 54.39
Current: 9.87
-28.99
54.39
Net-margin (%) 7.71
CNO's Net-margin (%) is ranked higher than
55% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.12 vs. CNO: 7.71 )
Ranked among companies with meaningful Net-margin (%) only.
CNO' s 10-Year Net-margin (%) Range
Min: -176.07  Med: 2.37 Max: 48.8
Current: 7.71
-176.07
48.8
ROE (%) 6.44
CNO's ROE (%) is ranked lower than
73% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.92 vs. CNO: 6.44 )
Ranked among companies with meaningful ROE (%) only.
CNO' s 10-Year ROE (%) Range
Min: -580.02  Med: 3.86 Max: 591.81
Current: 6.44
-580.02
591.81
ROA (%) 0.94
CNO's ROA (%) is ranked higher than
61% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.73 vs. CNO: 0.94 )
Ranked among companies with meaningful ROA (%) only.
CNO' s 10-Year ROA (%) Range
Min: -14.52  Med: 0.50 Max: 6.01
Current: 0.94
-14.52
6.01
Revenue Growth (3Y)(%) 12.00
CNO's Revenue Growth (3Y)(%) is ranked higher than
58% of the 71 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.60 vs. CNO: 12.00 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CNO' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: -13.75 Max: 12.5
Current: 12
0
12.5
EBITDA Growth (3Y)(%) -7.30
CNO's EBITDA Growth (3Y)(%) is ranked lower than
88% of the 67 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.40 vs. CNO: -7.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CNO' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -12.35 Max: 3
Current: -7.3
0
3
EPS Growth (3Y)(%) -39.80
CNO's EPS Growth (3Y)(%) is ranked lower than
97% of the 65 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.90 vs. CNO: -39.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CNO' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: -56.35 Max: 29.7
Current: -39.8
0
29.7
» CNO's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

CNO Guru Trades in Q3 2014

John Paulson Sold Out
Paul Tudor Jones Sold Out
Jim Simons Sold Out
Columbia Wanger 11,558,000 sh (-1.24%)
Steven Cohen 133,700 sh (-52.44%)
» More
Q4 2014

CNO Guru Trades in Q4 2014

Paul Tudor Jones 25,547 sh (New)
Jim Simons 72,500 sh (New)
Steven Cohen Sold Out
Columbia Wanger 9,535,700 sh (-17.50%)
» More
Q1 2015

CNO Guru Trades in Q1 2015

James Barrow 97,024 sh (New)
Paul Tudor Jones Sold Out
Columbia Wanger 8,870,700 sh (-6.97%)
Jim Simons 18,100 sh (-75.03%)
» More
Q2 2015

CNO Guru Trades in Q2 2015

Joel Greenblatt 20,837 sh (New)
James Barrow 102,215 sh (+5.35%)
Jim Simons Sold Out
Columbia Wanger 7,081,991 sh (-20.16%)
» More
» Details

Insider Trades

Latest Guru Trades with CNO

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 12.27
CNO's P/E(ttm) is ranked higher than
57% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.20 vs. CNO: 12.27 )
Ranked among companies with meaningful P/E(ttm) only.
CNO' s 10-Year P/E(ttm) Range
Min: 0.7  Med: 12.12 Max: 1102.22
Current: 12.27
0.7
1102.22
Forward P/E 11.53
CNO's Forward P/E is ranked higher than
53% of the 51 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.49 vs. CNO: 11.53 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.50
CNO's PE(NRI) is ranked higher than
56% of the 73 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.10 vs. CNO: 12.50 )
Ranked among companies with meaningful PE(NRI) only.
CNO' s 10-Year PE(NRI) Range
Min: 0.7  Med: 12.90 Max: 992
Current: 12.5
0.7
992
P/B 0.79
CNO's P/B is ranked higher than
71% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.22 vs. CNO: 0.79 )
Ranked among companies with meaningful P/B only.
CNO' s 10-Year P/B Range
Min: 0.04  Med: 0.60 Max: 1.07
Current: 0.79
0.04
1.07
P/S 0.95
CNO's P/S is ranked lower than
53% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.90 vs. CNO: 0.95 )
Ranked among companies with meaningful P/S only.
CNO' s 10-Year P/S Range
Min: 0.02  Med: 0.60 Max: 1.07
Current: 0.95
0.02
1.07
POCF 4.77
CNO's POCF is ranked higher than
51% of the 69 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.87 vs. CNO: 4.77 )
Ranked among companies with meaningful POCF only.
CNO' s 10-Year POCF Range
Min: 0.2  Med: 3.15 Max: 41.25
Current: 4.77
0.2
41.25
EV-to-EBIT 13.99
CNO's EV-to-EBIT is ranked lower than
78% of the 69 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.08 vs. CNO: 13.99 )
Ranked among companies with meaningful EV-to-EBIT only.
CNO' s 10-Year EV-to-EBIT Range
Min: -175.7  Med: 16.15 Max: 560
Current: 13.99
-175.7
560
Shiller P/E 16.90
CNO's Shiller P/E is ranked lower than
58% of the 60 Companies
in the Global Insurance - Life industry.

( Industry Median: 16.18 vs. CNO: 16.90 )
Ranked among companies with meaningful Shiller P/E only.
CNO' s 10-Year Shiller P/E Range
Min: 0.09  Med: 16.72 Max: 90.75
Current: 16.9
0.09
90.75
Days Sales Outstanding 77.38
CNO's Days Sales Outstanding is ranked lower than
92% of the 37 Companies
in the Global Insurance - Life industry.

( Industry Median: 25.63 vs. CNO: 77.38 )
Ranked among companies with meaningful Days Sales Outstanding only.
CNO' s 10-Year Days Sales Outstanding Range
Min: 69.51  Med: 175.08 Max: 299.22
Current: 77.38
69.51
299.22

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.44
CNO's Dividend Yield is ranked lower than
130% of the 100 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.94 vs. CNO: 1.44 )
Ranked among companies with meaningful Dividend Yield only.
CNO' s 10-Year Dividend Yield Range
Min: 0.22  Med: 0.71 Max: 1.56
Current: 1.44
0.22
1.56
Dividend Payout 0.17
CNO's Dividend Payout is ranked higher than
77% of the 92 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.30 vs. CNO: 0.17 )
Ranked among companies with meaningful Dividend Payout only.
CNO' s 10-Year Dividend Payout Range
Min: 0.02  Med: 0.11 Max: 0.4
Current: 0.17
0.02
0.4
Yield on cost (5-Year) 1.40
CNO's Yield on cost (5-Year) is ranked lower than
128% of the 103 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.35 vs. CNO: 1.40 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CNO' s 10-Year Yield on cost (5-Year) Range
Min: 0.22  Med: 0.71 Max: 1.56
Current: 1.4
0.22
1.56
Share Buyback Rate 10.50
CNO's Share Buyback Rate is ranked higher than
97% of the 62 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.20 vs. CNO: 10.50 )
Ranked among companies with meaningful Share Buyback Rate only.
CNO' s 10-Year Share Buyback Rate Range
Min: 0  Med: 4.20 Max: -20.3
Current: 10.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.81
CNO's Price/Tangible Book is ranked higher than
79% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.59 vs. CNO: 0.81 )
Ranked among companies with meaningful Price/Tangible Book only.
CNO' s 10-Year Price/Tangible Book Range
Min: 0.11  Med: 0.66 Max: 2.75
Current: 0.81
0.11
2.75
Price/Projected FCF 0.45
CNO's Price/Projected FCF is ranked lower than
193% of the 54 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.57 vs. CNO: 0.45 )
Ranked among companies with meaningful Price/Projected FCF only.
CNO' s 10-Year Price/Projected FCF Range
Min: 0.02  Med: 0.20 Max: 0.45
Current: 0.45
0.02
0.45
Price/Median PS Value 1.61
CNO's Price/Median PS Value is ranked lower than
95% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.99 vs. CNO: 1.61 )
Ranked among companies with meaningful Price/Median PS Value only.
CNO' s 10-Year Price/Median PS Value Range
Min: 0.07  Med: 1.04 Max: 3.25
Current: 1.61
0.07
3.25
Price/Graham Number 0.65
CNO's Price/Graham Number is ranked higher than
79% of the 71 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.91 vs. CNO: 0.65 )
Ranked among companies with meaningful Price/Graham Number only.
CNO' s 10-Year Price/Graham Number Range
Min: 0.18  Med: 0.58 Max: 4.44
Current: 0.65
0.18
4.44
Earnings Yield (Greenblatt) (%) 7.16
CNO's Earnings Yield (Greenblatt) (%) is ranked lower than
68% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.40 vs. CNO: 7.16 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CNO' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.2  Med: 6.00 Max: 13
Current: 7.16
0.2
13
Forward Rate of Return (Yacktman) (%) -0.77
CNO's Forward Rate of Return (Yacktman) (%) is ranked lower than
83% of the 59 Companies
in the Global Insurance - Life industry.

( Industry Median: 16.36 vs. CNO: -0.77 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CNO' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -15.3  Med: -7.50 Max: -0.6
Current: -0.77
-15.3
-0.6

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil) 3,912 4,014 4,138
EPS($) 1.35 1.55 1.75
EPS without NRI($) 1.35 1.55 1.75

Business Description

Industry: Insurance - Life » Insurance - Life
Compare:LFC, PIAIF, AAGIY, CNPAY, CHPXF » details
Traded in other countries:COS.Germany,
CNO Financial Group Inc was incorporated in 1979. It is the holding company for a group of insurance companies operating throughout the United States. The Company develops, markets and administer supplemental health insurance, annuity, individual life insurance and other insurance products. The Company manages its business through the following: three main operating segments, Bankers Life, Washington National and Colonial Penn. Bankers Life segment markets and distributes Medicare supplement insurance, interest-sensitive life insurance, traditional life insurance, fixed annuities and long-term care insurance products to the middle-income senior market through a dedicated field force of career agents and sales managers supported by a network of community-based sales offices. It includes primarily the business of Bankers Life and Casualty Company. It also markets and distributes Medicare Advantage plans. Washington National markets and distributes supplemental health (including specified disease, accident and hospital indemnity insurance products) and life insurance to middle-income consumers at home and at the worksite. Colonial Penn segment markets primarily graded benefit and simplified issue life insurance directly to customers in the senior middle-income market through television advertising, direct mail, the internet and telemarketing. It includes primarily the business of Colonial Penn Life Insurance Company. Other CNO Business consists of blocks of interest-sensitive life insurance, traditional life insurance, annuities, long-term care insurance and other supplemental health products. The main competitors for agent-sold long-term care insurance products include Genworth, Mutual of Omaha and Northwestern Mutual and for life insurance sold through direct marketing channels include Gerber Life, MetLife, Mutual of Omaha, New York Life and subsidiaries of Torchmark. The competitors for supplemental health products sold through Washington National segment include AFLAC, subsidiaries of Allstate, Colonial Life and Accident Company and subsidiaries of Torchmark. The business of Company is subject to extensive regulation and supervision by the insurance regulatory agencies.
» More Articles for CNO

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More From Other Websites
Forget Me Not Days Fundraiser Elevates Bankers Life's Alzheimer's Association Support to $500,000 Sep 01 2015
CNO Financial and its Units' Ratings Upgraded by A. M. Best Aug 27 2015
CNO Financial Group, Inc. Announces Redemption Of 3.50% Convertible Debentures Due 2035 Aug 26 2015
CNO Financial Group, Inc. Announces Redemption Of 3.50% Convertible Debentures Due 2035 Aug 26 2015
A.M. Best Upgrades Ratings of CNO Financial Group to A- Aug 26 2015
A.M. Best Upgrades Ratings of CNO Financial Group to A- Aug 26 2015
A.M. Best Upgrades Ratings of CNO Financial Group, Inc. and Its Life/Health Subsidiaries Aug 26 2015
CNO Financial's Capital Action Impresses, Competition a Drag Aug 25 2015
FBL Financial Group, Inc. Earnings Q2*, 2015 Aug 13 2015
CNO Financial Group Declares Quarterly Dividend Aug 12 2015
CNO Financial Group Declares Quarterly Dividend Aug 12 2015
CNP Assurances SA Earnings Q2*, 2015 Aug 12 2015
Beyond Beaches and Golf Courses: Surprising New Study Reveals Healthiest (and More Affordable) U.S.... Aug 10 2015
CNO FINANCIAL GROUP, INC. Financials Aug 07 2015
10-Q for CNO Financial Group, Inc. Aug 05 2015
CNO FINANCIAL GROUP, INC. Files SEC form 10-Q, Quarterly Report Aug 03 2015
Edited Transcript of CNO earnings conference call or presentation 30-Jul-15 3:00pm GMT Jul 30 2015
MetLife Q2 Earnings Beat on Lower Expenses; Revenues Miss - Analyst Blog Jul 30 2015
CNO Financial Beats Q2 Earnings on Business Diversification - Analyst Blog Jul 30 2015
CNO FINANCIAL GROUP, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 30 2015

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