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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 0.19
CNO's Cash to Debt is ranked higher than
63% of the 160 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.36 vs. CNO: 0.19 )
CNO' s 10-Year Cash to Debt Range
Min: 0.14   Max: No Debt
Current: 0.19

Equity to Asset 0.15
CNO's Equity to Asset is ranked higher than
92% of the 172 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.06 vs. CNO: 0.15 )
CNO' s 10-Year Equity to Asset Range
Min: -0.04   Max: 0.15
Current: 0.15

-0.04
0.15
Interest Coverage 1.89
CNO's Interest Coverage is ranked higher than
66% of the 144 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.17 vs. CNO: 1.89 )
CNO' s 10-Year Interest Coverage Range
Min: 0.03   Max: 9999.99
Current: 1.89

0.03
9999.99
F-Score: 5
Z-Score: 0.24
WACC vs ROIC
8.78%
0.66%
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 (%) 4.22
CNO's Operating margin (%) is ranked higher than
70% of the 172 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.60 vs. CNO: 4.22 )
CNO' s 10-Year Operating margin (%) Range
Min: -28.99   Max: 54.39
Current: 4.22

-28.99
54.39
Net-margin (%) 1.24
CNO's Net-margin (%) is ranked higher than
64% of the 172 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.85 vs. CNO: 1.24 )
CNO' s 10-Year Net-margin (%) Range
Min: -176.07   Max: 48.8
Current: 1.24

-176.07
48.8
ROE (%) 1.07
CNO's ROE (%) is ranked higher than
63% of the 172 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.07 vs. CNO: 1.07 )
CNO' s 10-Year ROE (%) Range
Min: -579.86   Max: 599.06
Current: 1.07

-579.86
599.06
ROA (%) 0.15
CNO's ROA (%) is ranked higher than
64% of the 172 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.66 vs. CNO: 0.15 )
CNO' s 10-Year ROA (%) Range
Min: -14.52   Max: 6.01
Current: 0.15

-14.52
6.01
Revenue Growth (3Y)(%) 12.00
CNO's Revenue Growth (3Y)(%) is ranked higher than
87% of the 152 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.80 vs. CNO: 12.00 )
CNO' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 12.5
Current: 12

0
12.5
EBITDA Growth (3Y)(%) 0.50
CNO's EBITDA Growth (3Y)(%) is ranked higher than
73% of the 153 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.60 vs. CNO: 0.50 )
CNO' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 3
Current: 0.5

0
3
EPS Growth (3Y)(%) -39.80
CNO's EPS Growth (3Y)(%) is ranked higher than
64% of the 149 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.70 vs. CNO: -39.80 )
CNO' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   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

Q1 2014

CNO Guru Trades in Q1 2014

Steven Cohen 18,370 sh (+10.31%)
John Paulson 12,459,577 sh (unchged)
Paul Tudor Jones Sold Out
Columbia Wanger 11,703,000 sh (-2.58%)
Jim Simons 724,345 sh (-3.65%)
HOTCHKIS & WILEY 16,220 sh (-97.51%)
» More
Q2 2014

CNO Guru Trades in Q2 2014

Paul Tudor Jones 22,406 sh (New)
Steven Cohen 281,100 sh (unchged)
Columbia Wanger 11,703,000 sh (unchged)
HOTCHKIS & WILEY Sold Out
Jim Simons 667,600 sh (-7.83%)
John Paulson 5,559,577 sh (-55.38%)
» More
Q3 2014

CNO Guru Trades in Q3 2014

Paul Tudor Jones Sold Out
John Paulson 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 (-17.5%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Paulson 2014-09-30 Sold Out 0.43%$16.03 - $18.15 $ 16.26-6%0
John Paulson 2014-06-30 Reduce -55.38%0.61%$15.86 - $18.8 $ 16.26-4%5559577
HOTCHKIS & WILEY 2014-06-30 Sold Out $15.86 - $18.8 $ 16.26-4%0
HOTCHKIS & WILEY 2014-03-31 Reduce -97.51%0.05%$16.23 - $19.15 $ 16.26-10%16220
HOTCHKIS & WILEY 2013-12-31 Reduce -76.39%0.14%$14 - $17.74 $ 16.262%652220
Michael Price 2013-12-31 Sold Out $14 - $17.74 $ 16.262%0
HOTCHKIS & WILEY 2013-09-30 Reduce -73.62%0.5%$13.14 - $14.82 $ 16.2614%2762834
John Paulson 2013-03-31 Reduce -37.33%0.45%$9.33 - $11.61 $ 16.2653%13481527
Joel Greenblatt 2013-03-31 Sold Out 0.01%$9.33 - $11.61 $ 16.2653%0
Michael Price 2012-12-31 Reduce -99.07%0.14%$8.37 - $9.93 $ 16.2675%894
Joel Greenblatt 2012-12-31 Reduce -29.71%$8.37 - $9.93 $ 16.2675%13590
Michael Price 2012-09-30 Reduce -82.66%0.51%$7.69 - $10.03 $ 16.2686%95894
Richard Pzena 2012-09-30 Sold Out 0.19%$7.69 - $10.03 $ 16.2686%0
John Keeley 2012-09-30 Sold Out 0.02%$7.69 - $10.03 $ 16.2686%0
John Keeley 2012-06-30 New Buy0.02%$6.32 - $7.95 $ 16.26128%100001
Joel Greenblatt 2012-06-30 Add 23.55%$6.32 - $7.95 $ 16.26128%22982
Michael Price 2012-03-31 Reduce -45.75%0.46%$6.1 - $8.1 $ 16.26143%553094
Joel Greenblatt 2012-03-31 New Buy0.01%$6.1 - $8.1 $ 16.26143%18602
Michael Price 2011-12-31 Reduce -51.97%1.06%$4.98 - $6.7 $ 16.26172%1019555
John Keeley 2011-12-31 Sold Out 0.0031%$4.98 - $6.7 $ 16.26172%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Ratios

vs
industry
vs
history
P/E(ttm) 68.90
CNO's P/E(ttm) is ranked higher than
65% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 18.20 vs. CNO: 68.90 )
CNO' s 10-Year P/E(ttm) Range
Min: 0.67   Max: 1102.22
Current: 68.9

0.67
1102.22
Forward P/E 10.31
CNO's Forward P/E is ranked higher than
90% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.74 vs. CNO: 10.31 )
N/A
PE(NRI) 67.80
CNO's PE(NRI) is ranked higher than
65% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 18.20 vs. CNO: 67.80 )
CNO' s 10-Year PE(NRI) Range
Min: 0.67   Max: 992
Current: 67.8

0.67
992
P/B 0.71
CNO's P/B is ranked higher than
94% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.66 vs. CNO: 0.71 )
CNO' s 10-Year P/B Range
Min: 0.04   Max: 1.07
Current: 0.71

0.04
1.07
P/S 0.86
CNO's P/S is ranked higher than
80% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.86 vs. CNO: 0.86 )
CNO' s 10-Year P/S Range
Min: 0.02   Max: 1.07
Current: 0.86

0.02
1.07
POCF 29.56
CNO's POCF is ranked higher than
69% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.54 vs. CNO: 29.56 )
CNO' s 10-Year POCF Range
Min: 0.23   Max: 41.25
Current: 29.56

0.23
41.25
EV-to-EBIT 35.27
CNO's EV-to-EBIT is ranked higher than
70% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.61 vs. CNO: 35.27 )
CNO' s 10-Year EV-to-EBIT Range
Min: -175.7   Max: 560
Current: 35.27

-175.7
560
Shiller P/E 16.60
CNO's Shiller P/E is ranked higher than
90% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 27.57 vs. CNO: 16.60 )
CNO' s 10-Year Shiller P/E Range
Min: 0.09   Max: 90.75
Current: 16.6

0.09
90.75

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.48
CNO's Dividend Yield is ranked lower than
61% of the 157 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.13 vs. CNO: 1.48 )
CNO' s 10-Year Dividend Yield Range
Min: 0.22   Max: 1.56
Current: 1.48

0.22
1.56
Dividend Payout 1.02
CNO's Dividend Payout is ranked higher than
55% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.38 vs. CNO: 1.02 )
CNO' s 10-Year Dividend Payout Range
Min: 0.05   Max: 1
Current: 1.02

0.05
1
Yield on cost (5-Year) 1.50
CNO's Yield on cost (5-Year) is ranked lower than
72% of the 158 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.11 vs. CNO: 1.50 )
CNO' s 10-Year Yield on cost (5-Year) Range
Min: 0.22   Max: 1.56
Current: 1.5

0.22
1.56
Share Buyback Rate 10.50
CNO's Share Buyback Rate is ranked higher than
99% of the 137 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.70 vs. CNO: 10.50 )
CNO' s 10-Year Share Buyback Rate Range
Min: 0   Max: -20.3
Current: 10.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.71
CNO's Price/Tangible Book is ranked higher than
95% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.39 vs. CNO: 0.71 )
CNO' s 10-Year Price/Tangible Book Range
Min: 0.33   Max: 2.75
Current: 0.71

0.33
2.75
Price/Median PS Value 1.46
CNO's Price/Median PS Value is ranked higher than
68% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.19 vs. CNO: 1.46 )
CNO' s 10-Year Price/Median PS Value Range
Min: 0.38   Max: 3.25
Current: 1.46

0.38
3.25
Price/Graham Number 1.44
CNO's Price/Graham Number is ranked higher than
76% of the 184 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.31 vs. CNO: 1.44 )
CNO' s 10-Year Price/Graham Number Range
Min: 0.23   Max: 1.52
Current: 1.44

0.23
1.52
Earnings Yield (Greenblatt) 2.80
CNO's Earnings Yield (Greenblatt) is ranked higher than
68% of the 172 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.70 vs. CNO: 2.80 )
CNO' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 13
Current: 2.8

0.2
13
Forward Rate of Return (Yacktman) -5.17
CNO's Forward Rate of Return (Yacktman) is ranked higher than
65% of the 144 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.69 vs. CNO: -5.17 )
CNO' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -14.7   Max: -5.2
Current: -5.17

-14.7
-5.2

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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