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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
93% of the 75 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.42 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 0.15
CNO's Equity to Asset is ranked higher than
77% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.08 vs. CNO: 0.15 )
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: 0.15
0.06
0.15
Interest Coverage 1.89
CNO's Interest Coverage is ranked lower than
88% of the 60 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.97 vs. CNO: 1.89 )
Ranked among companies with meaningful Interest Coverage only.
CNO' s 10-Year Interest Coverage Range
Min: 0.03  Med: 2.68 Max: 9999.99
Current: 1.89
0.03
9999.99
F-Score: 5
WACC vs ROIC
8.32%
4.29%
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 (%) 10.57
CNO's Operating margin (%) is ranked higher than
62% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.15 vs. CNO: 10.57 )
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: 10.57
-28.99
54.39
Net-margin (%) 8.23
CNO's Net-margin (%) is ranked higher than
64% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.54 vs. CNO: 8.23 )
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: 8.23
-176.07
48.8
ROE (%) 7.00
CNO's ROE (%) is ranked lower than
64% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.09 vs. CNO: 7.00 )
Ranked among companies with meaningful ROE (%) only.
CNO' s 10-Year ROE (%) Range
Min: -580.02  Med: 3.95 Max: 591.81
Current: 7
-580.02
591.81
ROA (%) 1.02
CNO's ROA (%) is ranked higher than
65% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.66 vs. CNO: 1.02 )
Ranked among companies with meaningful ROA (%) only.
CNO' s 10-Year ROA (%) Range
Min: -14.52  Med: 0.50 Max: 6.01
Current: 1.02
-14.52
6.01
Revenue Growth (3Y)(%) 12.00
CNO's Revenue Growth (3Y)(%) is ranked higher than
57% of the 67 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.20 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)(%) 0.50
CNO's EBITDA Growth (3Y)(%) is ranked lower than
77% of the 65 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.40 vs. CNO: 0.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CNO' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -11.40 Max: 3
Current: 0.5
0
3
EPS Growth (3Y)(%) -39.80
CNO's EPS Growth (3Y)(%) is ranked lower than
97% of the 63 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.50 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

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)
John Paulson 10,559,577 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

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
» 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) 12.14
CNO's P/E(ttm) is ranked higher than
70% of the 70 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.40 vs. CNO: 12.14 )
Ranked among companies with meaningful P/E(ttm) only.
CNO' s 10-Year P/E(ttm) Range
Min: 0.7  Med: 12.02 Max: 1102.22
Current: 12.14
0.7
1102.22
Forward P/E 12.24
CNO's Forward P/E is ranked lower than
53% of the 51 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.99 vs. CNO: 12.24 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.40
CNO's PE(NRI) is ranked higher than
70% of the 70 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.40 vs. CNO: 12.40 )
Ranked among companies with meaningful PE(NRI) only.
CNO' s 10-Year PE(NRI) Range
Min: 0.7  Med: 12.71 Max: 992
Current: 12.4
0.7
992
P/B 0.78
CNO's P/B is ranked higher than
74% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.24 vs. CNO: 0.78 )
Ranked among companies with meaningful P/B only.
CNO' s 10-Year P/B Range
Min: 0.04  Med: 0.57 Max: 1.07
Current: 0.78
0.04
1.07
P/S 0.99
CNO's P/S is ranked lower than
53% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.91 vs. CNO: 0.99 )
Ranked among companies with meaningful P/S only.
CNO' s 10-Year P/S Range
Min: 0.02  Med: 0.59 Max: 1.07
Current: 0.99
0.02
1.07
POCF 5.57
CNO's POCF is ranked higher than
54% of the 67 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.70 vs. CNO: 5.57 )
Ranked among companies with meaningful POCF only.
CNO' s 10-Year POCF Range
Min: 0.23  Med: 3.19 Max: 41.25
Current: 5.57
0.23
41.25
EV-to-EBIT 13.22
CNO's EV-to-EBIT is ranked lower than
75% of the 68 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.52 vs. CNO: 13.22 )
Ranked among companies with meaningful EV-to-EBIT only.
CNO' s 10-Year EV-to-EBIT Range
Min: -175.7  Med: 16.10 Max: 560
Current: 13.22
-175.7
560
Shiller P/E 18.24
CNO's Shiller P/E is ranked lower than
60% of the 58 Companies
in the Global Insurance - Life industry.

( Industry Median: 17.68 vs. CNO: 18.24 )
Ranked among companies with meaningful Shiller P/E only.
CNO' s 10-Year Shiller P/E Range
Min: 0.09  Med: 16.23 Max: 90.75
Current: 18.24
0.09
90.75

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.34
CNO's Dividend Yield is ranked lower than
106% of the 101 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.05 vs. CNO: 1.34 )
Ranked among companies with meaningful Dividend Yield only.
CNO' s 10-Year Dividend Yield Range
Min: 0.22  Med: 0.70 Max: 1.56
Current: 1.34
0.22
1.56
Dividend Payout 0.15
CNO's Dividend Payout is ranked higher than
81% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.29 vs. CNO: 0.15 )
Ranked among companies with meaningful Dividend Payout only.
CNO' s 10-Year Dividend Payout Range
Min: 0.02  Med: 0.10 Max: 0.4
Current: 0.15
0.02
0.4
Yield on cost (5-Year) 1.34
CNO's Yield on cost (5-Year) is ranked lower than
132% of the 97 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.66 vs. CNO: 1.34 )
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: 0.70 Max: 1.56
Current: 1.34
0.22
1.56
Share Buyback Rate 10.50
CNO's Share Buyback Rate is ranked higher than
97% of the 61 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 0.78
CNO's Price/Tangible Book is ranked higher than
82% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.54 vs. CNO: 0.78 )
Ranked among companies with meaningful Price/Tangible Book only.
CNO' s 10-Year Price/Tangible Book Range
Min: 0.11  Med: 0.64 Max: 2.75
Current: 0.78
0.11
2.75
Price/Projected FCF 0.47
CNO's Price/Projected FCF is ranked lower than
192% of the 53 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.56 vs. CNO: 0.47 )
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: 0.47
0.02
0.45
Price/Median PS Value 1.68
CNO's Price/Median PS Value is ranked lower than
96% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.05 vs. CNO: 1.68 )
Ranked among companies with meaningful Price/Median PS Value only.
CNO' s 10-Year Price/Median PS Value Range
Min: 0.07  Med: 1.02 Max: 3.25
Current: 1.68
0.07
3.25
Price/Graham Number 0.62
CNO's Price/Graham Number is ranked higher than
82% of the 68 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.95 vs. CNO: 0.62 )
Ranked among companies with meaningful Price/Graham Number only.
CNO' s 10-Year Price/Graham Number Range
Min: 0.18  Med: 0.57 Max: 4.44
Current: 0.62
0.18
4.44
Earnings Yield (Greenblatt) (%) 7.57
CNO's Earnings Yield (Greenblatt) (%) is ranked lower than
66% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.90 vs. CNO: 7.57 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CNO' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.2  Med: 6.10 Max: 13
Current: 7.57
0.2
13
Forward Rate of Return (Yacktman) (%) -1.27
CNO's Forward Rate of Return (Yacktman) (%) is ranked lower than
86% of the 58 Companies
in the Global Insurance - Life industry.

( Industry Median: 18.45 vs. CNO: -1.27 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CNO' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -14.7  Med: -8.10 Max: -1.3
Current: -1.27
-14.7
-1.3

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.
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More From Other Websites
CNO Financial's (CNO) Earnings Season: What's in Store? - Analyst Blog Jul 27 2015
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CNO Financial Group Announces Changes in Finance Organization Jun 24 2015
CNO Financial Group Receives Top Honor for Healthy Workplace Initiatives from National Business... Jun 22 2015
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CNO Financial Group Honored for Board's Gender Diversity Jun 18 2015
CNO Financial Group Honored for Board's Gender Diversity Jun 18 2015
CNO Financial Hits 52-Week High on Dividend Hike, Low Debt - Analyst Blog Jun 12 2015
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CNO FINANCIAL GROUP, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement,... May 19 2015
CNO Financial Group Announces Completion of Recapitalization May 19 2015
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