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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 0.21
CNO's Cash to Debt is ranked higher than
63% of the 136 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.54 vs. CNO: 0.21 )
CNO' s 10-Year Cash to Debt Range
Min: 0.14   Max: No Debt
Current: 0.21

Equity to Asset 0.14
CNO's Equity to Asset is ranked higher than
90% of the 147 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.06 vs. CNO: 0.14 )
CNO' s 10-Year Equity to Asset Range
Min: -0.04   Max: 0.15
Current: 0.14

-0.04
0.15
Interest Coverage 2.89
CNO's Interest Coverage is ranked higher than
63% of the 122 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.85 vs. CNO: 2.89 )
CNO' s 10-Year Interest Coverage Range
Min: 0.03   Max: 9999.99
Current: 2.89

0.03
9999.99
F-Score: 5
Z-Score: 0.23
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 : 4/10

vs
industry
vs
history
Operating margin (%) 6.81
CNO's Operating margin (%) is ranked higher than
79% of the 146 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.21 vs. CNO: 6.81 )
CNO' s 10-Year Operating margin (%) Range
Min: -28.99   Max: 54.39
Current: 6.81

-28.99
54.39
Net-margin (%) 10.68
CNO's Net-margin (%) is ranked higher than
93% of the 148 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.80 vs. CNO: 10.68 )
CNO' s 10-Year Net-margin (%) Range
Min: -176.07   Max: 48.8
Current: 10.68

-176.07
48.8
ROE (%) 9.65
CNO's ROE (%) is ranked higher than
81% of the 148 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.65 vs. CNO: 9.65 )
CNO' s 10-Year ROE (%) Range
Min: -69.93   Max: 81.56
Current: 9.65

-69.93
81.56
ROA (%) 1.37
CNO's ROA (%) is ranked higher than
91% of the 148 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.61 vs. CNO: 1.37 )
CNO' s 10-Year ROA (%) Range
Min: -16.85   Max: 7.67
Current: 1.37

-16.85
7.67
Revenue Growth (%) 12.50
CNO's Revenue Growth (%) is ranked higher than
90% of the 134 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.90 vs. CNO: 12.50 )
CNO' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 12.5
Current: 12.5

0
12.5
EBITDA Growth (%) 3.00
CNO's EBITDA Growth (%) is ranked higher than
76% of the 123 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.60 vs. CNO: 3.00 )
CNO' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 35
Current: 3

0
35
EPS Growth (%) 29.70
CNO's EPS Growth (%) is ranked higher than
93% of the 121 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.10 vs. CNO: 29.70 )
CNO' s 10-Year EPS Growth (%) Range
Min: 0   Max: 29.7
Current: 29.7

0
29.7
» CNO's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2013

CNO Guru Trades in Q1 2013

Jim Simons 1,860,600 sh (+391.44%)
HOTCHKIS & WILEY 10,656,934 sh (+9.24%)
Paul Tudor Jones 20,900 sh (+7.73%)
Michael Price 894 sh (unchged)
Joel Greenblatt Sold Out
Jeremy Grantham 66,676 sh (-2.31%)
Columbia Wanger 14,623,000 sh (-9.61%)
John Paulson 13,481,527 sh (-37.33%)
Steven Cohen 49,893 sh (-62.68%)
» More
Q2 2013

CNO Guru Trades in Q2 2013

Michael Price 894 sh (unchged)
Paul Tudor Jones Sold Out
Steven Cohen Sold Out
John Paulson 13,460,377 sh (-0.16%)
HOTCHKIS & WILEY 10,475,034 sh (-1.71%)
Columbia Wanger 14,301,000 sh (-2.2%)
Jeremy Grantham 49,976 sh (-25.05%)
Jim Simons 954,800 sh (-48.68%)
» More
Q3 2013

CNO Guru Trades in Q3 2013

Louis Moore Bacon 150,000 sh (New)
Steven Cohen 30,956 sh (New)
Paul Tudor Jones 19,500 sh (New)
Michael Price 894 sh (unchged)
Jeremy Grantham Sold Out
John Paulson 12,459,577 sh (-7.44%)
Columbia Wanger 13,088,000 sh (-8.48%)
Jim Simons 860,700 sh (-9.86%)
HOTCHKIS & WILEY 2,762,834 sh (-73.62%)
» More
Q4 2013

CNO Guru Trades in Q4 2013

John Paulson 12,459,577 sh (unchged)
Louis Moore Bacon Sold Out
Michael Price Sold Out
Columbia Wanger 12,013,000 sh (-8.21%)
Jim Simons 751,800 sh (-12.65%)
Paul Tudor Jones 16,614 sh (-14.8%)
Steven Cohen 16,653 sh (-46.2%)
HOTCHKIS & WILEY 652,220 sh (-76.39%)
» More
» Details

Insider Trades

Latest Guru Trades with CNO

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Michael Price 2013-12-31 Sold Out $14 - $17.74 $ 16.875%0
John Paulson 2013-03-31 Reduce -37.33%0.45%$9.33 - $11.61 $ 16.8759%13481527
Joel Greenblatt 2013-03-31 Sold Out 0.01%$9.33 - $11.61 $ 16.8759%0
Michael Price 2012-12-31 Reduce -99.07%0.14%$8.37 - $9.93 $ 16.8782%894
Joel Greenblatt 2012-12-31 Reduce -29.71%$8.37 - $9.93 $ 16.8782%13590
Michael Price 2012-09-30 Reduce -82.66%0.51%$7.69 - $10.03 $ 16.8793%95894
John Keeley 2012-09-30 Sold Out 0.02%$7.69 - $10.03 $ 16.8793%0
John Keeley 2012-06-30 New Buy0.02%$6.32 - $7.95 $ 16.87137%100001
Joel Greenblatt 2012-06-30 Add 23.55%$6.32 - $7.95 $ 16.87137%22982
Michael Price 2012-03-31 Reduce -45.75%0.46%$6.1 - $8.1 $ 16.87152%553094
Joel Greenblatt 2012-03-31 New Buy0.01%$6.1 - $8.1 $ 16.87152%18602
Michael Price 2011-12-31 Reduce -51.97%1.06%$4.98 - $6.7 $ 16.87182%1019555
John Keeley 2011-12-31 Sold Out 0.0031%$4.98 - $6.7 $ 16.87182%0
John Keeley 2011-09-30 Reduce -94.47%0.06%$5.34 - $8.02 $ 16.87158%25001
George Soros 2011-06-30 Sold Out $7.13 - $8.06 $ 16.87123%0
George Soros 2011-03-31 Reduce -31.58%$6.28 - $7.44 $ 16.87146%29900
Premium More recent guru trades are included for Premium Members only!!
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Top Ranked Articles about CNO Financial Group, Inc.

Hotchkis & Wiley Capital Reduces Insurance Companies in Third Quarter
As of the third quarter, the updated portfolio of Hotchkis & Wiley Capital Management includes 177 stocks, 19 of them new, a total value at $21.7 billion. The quarter-over-quarter turnover is 10%. The portfolio is currently weighted with top three sectors: financial services at 25.8%, technology at 13.2% and healthcare at 12.3%. The stocks bought by Hotchkis & Wiley averaged a return of 21.51% over 12 months. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 8.10
CNO's P/E(ttm) is ranked higher than
97% of the 137 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.80 vs. CNO: 8.10 )
CNO' s 10-Year P/E(ttm) Range
Min: 0.67   Max: 1102.22
Current: 8.1

0.67
1102.22
P/B 0.80
CNO's P/B is ranked higher than
95% of the 147 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.48 vs. CNO: 0.80 )
CNO' s 10-Year P/B Range
Min: 0.04   Max: 1.21
Current: 0.8

0.04
1.21
P/S 0.90
CNO's P/S is ranked higher than
69% of the 148 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.87 vs. CNO: 0.90 )
CNO' s 10-Year P/S Range
Min: 0.02   Max: 2.06
Current: 0.9

0.02
2.06
PFCF 5.30
CNO's PFCF is ranked higher than
68% of the 130 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.59 vs. CNO: 5.30 )
CNO' s 10-Year PFCF Range
Min: 0.23   Max: 6.07
Current: 5.3

0.23
6.07
EV-to-EBIT 25.60
CNO's EV-to-EBIT is ranked lower than
54% of the 133 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.84 vs. CNO: 25.60 )
CNO' s 10-Year EV-to-EBIT Range
Min: 7.7   Max: 560
Current: 25.6

7.7
560
PEG 0.20
CNO's PEG is ranked higher than
98% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.07 vs. CNO: 0.20 )
CNO' s 10-Year PEG Range
Min: 0.2   Max: 4.25
Current: 0.2

0.2
4.25

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.90
CNO's Dividend Yield is ranked lower than
83% of the 126 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.24 vs. CNO: 0.90 )
CNO' s 10-Year Dividend Yield Range
Min: 0.22   Max: 0.75
Current: 0.9

0.22
0.75
Dividend Payout 0.05
CNO's Dividend Payout is ranked higher than
96% of the 116 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.34 vs. CNO: 0.05 )
CNO' s 10-Year Dividend Payout Range
Min: 0.05   Max: 0.07
Current: 0.05

0.05
0.07
Yield on cost (5-Year) 0.90
CNO's Yield on cost (5-Year) is ranked lower than
79% of the 127 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.29 vs. CNO: 0.90 )
CNO' s 10-Year Yield on cost (5-Year) Range
Min: 0.22   Max: 0.75
Current: 0.9

0.22
0.75
Share Buyback Rate 8.30
CNO's Share Buyback Rate is ranked higher than
98% of the 122 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.60 vs. CNO: 8.30 )
CNO' s 10-Year Share Buyback Rate Range
Min: 0   Max: -20.3
Current: 8.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.80
CNO's Price/Tangible Book is ranked higher than
96% of the 138 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.81 vs. CNO: 0.80 )
CNO' s 10-Year Price/Tangible Book Range
Min: 0.33   Max: 2.75
Current: 0.8

0.33
2.75
Price/DCF (Projected) 0.40
CNO's Price/DCF (Projected) is ranked higher than
85% of the 110 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.40 vs. CNO: 0.40 )
CNO' s 10-Year Price/DCF (Projected) Range
Min: 0.09   Max: 0.38
Current: 0.4

0.09
0.38
Price/Median PS Value 1.50
CNO's Price/Median PS Value is ranked lower than
51% of the 139 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.00 vs. CNO: 1.50 )
CNO' s 10-Year Price/Median PS Value Range
Min: 0.39   Max: 3.36
Current: 1.5

0.39
3.36
Price/Graham Number 0.50
CNO's Price/Graham Number is ranked higher than
97% of the 130 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.00 vs. CNO: 0.50 )
CNO' s 10-Year Price/Graham Number Range
Min: 0.23   Max: 0.91
Current: 0.5

0.23
0.91
Earnings Yield (Greenblatt) 3.90
CNO's Earnings Yield (Greenblatt) is ranked higher than
52% of the 140 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.40 vs. CNO: 3.90 )
CNO' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 13
Current: 3.9

0.2
13
Forward Rate of Return (Yacktman) 5.58
CNO's Forward Rate of Return (Yacktman) is ranked higher than
72% of the 123 Companies
in the Global Insurance - Life industry.

( Industry Median: 21.74 vs. CNO: 5.58 )
CNO' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6.5   Max: 1611.6
Current: 5.58

6.5
1611.6

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 that develop, market 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, Colonial Penn and Conseco Insurance Group, which are defined on the basis of product distribution, and corporate operations, which consists of holding company activities and certain non-insurance company businesses that are not part of its other segments. The Company sells its products through three main distribution channels: career agents, professional independent producers and direct marketing. The Company's insurance subsidiaries collectively hold licenses to market its insurance products in all fifty states, the District of Columbia, and certain protectorates of the United States. Bankers Life, which consists of the business of Bankers Life and Casualty Company, markets and distributes Medicare supplement insurance, life insurance, long-term care insurance, Medicare Part D prescription drug program, Medicare Advantage products and certain annuity products to the senior market through approximately 5,600 career agents and sales managers. Bankers Life and Casualty Company markets its products under its own brand name and Medicare Part D and Medicare Advantage products mainly through marketing agreements with Coventry Health Care. Colonial Penn, which consists of the business of Colonial Penn Life Insurance Company, markets mainly graded benefit and simplified issue life insurance directly to customers through television advertising, direct mail, the internet and telemarketing. Colonial Penn markets its products under its own brand name. Conseco Insurance Group, which markets and distributes specified disease insurance, accident, disability, life insurance and annuities to middle-income consumers at home and at the worksite. These products are marketed through Performance Matters Associates, Inc., a wholly owned subsidiary, and through independent marketing organizations and insurance agencies. Products being marketed by Conseco Insurance Group are underwritten by Conseco Insurance Company, Conseco Health Insurance Company and Washington National Insurance Company. This segment also includes blocks of long-term care and other insurance business, in these companies and in Conseco Life Insurance Company. The Company's business is subject to extensive regulation, which limits its operating flexibility and could result in its insurance subsidiaries being placed under regulatory control or otherwise negatively impact its financial results.

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