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Also traded in: Germany

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 : 5/10

vs
industry
vs
history
Cash to Debt 0.20
CNO's Cash to Debt is ranked lower than
93% of the 90 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.20 vs. CNO: 0.20 )
Ranked among companies with meaningful Cash to Debt only.
CNO' s Cash to Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.21 Max: N/A
Current: 0.2
Equity to Asset 0.13
CNO's Equity to Asset is ranked higher than
67% of the 90 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.09 vs. CNO: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
CNO' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.14 Max: 0.15
Current: 0.13
0.06
0.15
Interest Coverage 3.22
CNO's Interest Coverage is ranked lower than
84% of the 63 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.84 vs. CNO: 3.22 )
Ranked among companies with meaningful Interest Coverage only.
CNO' s Interest Coverage Range Over the Past 10 Years
Min: 0.13  Med: 2.59 Max: 3.87
Current: 3.22
0.13
3.87
F-Score: 5
M-Score: -9.34
WACC vs ROIC
4.69%
3.47%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 8.59
CNO's Operating margin (%) is ranked lower than
53% of the 90 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.91 vs. CNO: 8.59 )
Ranked among companies with meaningful Operating margin (%) only.
CNO' s Operating margin (%) Range Over the Past 10 Years
Min: -1.22  Med: 4.64 Max: 9.65
Current: 8.59
-1.22
9.65
Net-margin (%) 6.94
CNO's Net-margin (%) is ranked higher than
53% of the 91 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.50 vs. CNO: 6.94 )
Ranked among companies with meaningful Net-margin (%) only.
CNO' s Net-margin (%) Range Over the Past 10 Years
Min: -26.89  Med: 3.63 Max: 10.68
Current: 6.94
-26.89
10.68
ROE (%) 6.08
CNO's ROE (%) is ranked lower than
68% of the 91 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.59 vs. CNO: 6.08 )
Ranked among companies with meaningful ROE (%) only.
CNO' s ROE (%) Range Over the Past 10 Years
Min: -38.49  Med: 3.95 Max: 9.56
Current: 6.08
-38.49
9.56
ROA (%) 0.84
CNO's ROA (%) is ranked higher than
56% of the 91 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.73 vs. CNO: 0.84 )
Ranked among companies with meaningful ROA (%) only.
CNO' s ROA (%) Range Over the Past 10 Years
Min: -3.59  Med: 0.48 Max: 1.39
Current: 0.84
-3.59
1.39
Revenue Growth (3Y)(%) 8.20
CNO's Revenue Growth (3Y)(%) is ranked higher than
59% of the 82 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.30 vs. CNO: 8.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CNO' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -11.80 Max: 12.4
Current: 8.2
0
12.4
EBITDA Growth (3Y)(%) 22.50
CNO's EBITDA Growth (3Y)(%) is ranked higher than
76% of the 78 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.90 vs. CNO: 22.50 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CNO' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -18.40 Max: 22.5
Current: 22.5
0
22.5
EPS Growth (3Y)(%) 20.90
CNO's EPS Growth (3Y)(%) is ranked higher than
74% of the 76 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.50 vs. CNO: 20.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CNO' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -42.80 Max: 27.5
Current: 20.9
0
27.5
» CNO's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-29)


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

» Details

Guru Trades

Q2 2015

CNO Guru Trades in Q2 2015

Joel Greenblatt 20,837 sh (New)
Barrow, Hanley, Mewhinney & Strauss 102,215 sh (+5.35%)
Jim Simons Sold Out
Columbia Wanger 7,081,991 sh (-20.16%)
» More
Q3 2015

CNO Guru Trades in Q3 2015

Jeremy Grantham 99,400 sh (New)
Columbia Wanger 7,089,597 sh (+0.11%)
Barrow, Hanley, Mewhinney & Strauss 102,215 sh (unchged)
Joel Greenblatt Sold Out
» More
Q4 2015

CNO Guru Trades in Q4 2015

Paul Tudor Jones 73,665 sh (New)
Barrow, Hanley, Mewhinney & Strauss 113,333 sh (+10.88%)
Jeremy Grantham 102,200 sh (+2.82%)
Columbia Wanger 5,493,826 sh (-22.51%)
» More
Q1 2016

CNO Guru Trades in Q1 2016

First Eagle Investment 50,000 sh (New)
Barrow, Hanley, Mewhinney & Strauss 119,367 sh (+5.32%)
Paul Tudor Jones 69,945 sh (-5.05%)
Jeremy Grantham 94,500 sh (-7.53%)
Columbia Wanger 2,520,997 sh (-54.11%)
» 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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Business Description

Industry: Insurance - Life » Insurance - Life
Compare:NYSE:SYA, NYSE:PRI, OTCPK:MMHDF, OTCPK:DCYHY, OTCPK:SREDY, OTCPK:DLLLF, NYSE:FFG, NYSE:SFG, NYSE:FGL, NYSE:AEL, OTCPK:TDHOY, OTCPK:STJPF, NAS:NWLI, NYSE:CIA, OTCPK:KCLI, NYSE:IHC, NAS:TIPT, NYSE:PNX, NAS:AMIC, NAS:AAME » details
Traded in other countries:COS.Germany,
CNO Financial Group Inc is a holding company for a group of insurance companies. The Company through its subsidiaries develops, markets and administers supplemental health insurance, annuity, individual life insurance and other insurance products.

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 administers supplemental health insurance, annuity, individual life insurance and other insurance products. The Company's business segments are Bankers Life, Washington National and Colonial Penn. The 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 the business of Bankers Life and Casualty Company. It also markets and distributes Medicare Advantage plans. The 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. The Colonial Penn segment markets 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 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 Company's business is subject to regulation and supervision by the insurance regulatory agencies.

Ratios

vs
industry
vs
history
P/E(ttm) 12.07
CNO's P/E(ttm) is ranked lower than
56% of the 84 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.56 vs. CNO: 12.07 )
Ranked among companies with meaningful P/E(ttm) only.
CNO' s P/E(ttm) Range Over the Past 10 Years
Min: 3.54  Med: 13.11 Max: 1102.22
Current: 12.07
3.54
1102.22
Forward P/E 10.83
CNO's Forward P/E is ranked higher than
52% of the 33 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.66 vs. CNO: 10.83 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 12.07
CNO's PE(NRI) is ranked lower than
54% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.20 vs. CNO: 12.07 )
Ranked among companies with meaningful PE(NRI) only.
CNO' s PE(NRI) Range Over the Past 10 Years
Min: 3.63  Med: 13.29 Max: 992
Current: 12.07
3.63
992
P/B 0.72
CNO's P/B is ranked higher than
67% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.19 vs. CNO: 0.72 )
Ranked among companies with meaningful P/B only.
CNO' s P/B Range Over the Past 10 Years
Min: 0.04  Med: 0.57 Max: 1.07
Current: 0.72
0.04
1.07
P/S 0.85
CNO's P/S is ranked higher than
53% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.96 vs. CNO: 0.85 )
Ranked among companies with meaningful P/S only.
CNO' s P/S Range Over the Past 10 Years
Min: 0.02  Med: 0.62 Max: 1.07
Current: 0.85
0.02
1.07
POCF 4.26
CNO's POCF is ranked lower than
52% of the 61 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.31 vs. CNO: 4.26 )
Ranked among companies with meaningful POCF only.
CNO' s POCF Range Over the Past 10 Years
Min: 0.22  Med: 3.44 Max: 42.93
Current: 4.26
0.22
42.93
EV-to-EBIT 14.77
CNO's EV-to-EBIT is ranked lower than
84% of the 67 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.01 vs. CNO: 14.77 )
Ranked among companies with meaningful EV-to-EBIT only.
CNO' s EV-to-EBIT Range Over the Past 10 Years
Min: -117.1  Med: 14.20 Max: 47.5
Current: 14.77
-117.1
47.5
EV-to-EBITDA 8.91
CNO's EV-to-EBITDA is ranked lower than
54% of the 67 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.21 vs. CNO: 8.91 )
Ranked among companies with meaningful EV-to-EBITDA only.
CNO' s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.3  Med: 6.80 Max: 14
Current: 8.91
2.3
14
PEG 3.82
CNO's PEG is ranked lower than
88% of the 49 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.21 vs. CNO: 3.82 )
Ranked among companies with meaningful PEG only.
CNO' s PEG Range Over the Past 10 Years
Min: 1.69  Med: 2.86 Max: 75.5
Current: 3.82
1.69
75.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.70
CNO's Dividend Yield is ranked lower than
99.99% of the 114 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.91 vs. CNO: 1.70 )
Ranked among companies with meaningful Dividend Yield only.
CNO' s Dividend Yield Range Over the Past 10 Years
Min: 0.22  Med: 1.01 Max: 1.81
Current: 1.7
0.22
1.81
Dividend Payout 0.20
CNO's Dividend Payout is ranked higher than
75% of the 85 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.30 vs. CNO: 0.20 )
Ranked among companies with meaningful Dividend Payout only.
CNO' s Dividend Payout Range Over the Past 10 Years
Min: 0.02  Med: 0.13 Max: 0.4
Current: 0.2
0.02
0.4
Dividend Growth (3y) 65.10
CNO's Dividend Growth (3y) is ranked higher than
96% of the 50 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.00 vs. CNO: 65.10 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CNO' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 0.00 Max: 65.1
Current: 65.1
0
65.1
Forward Dividend Yield 1.96
CNO's Forward Dividend Yield is ranked lower than
99% of the 114 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.29 vs. CNO: 1.96 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.70
CNO's Yield on cost (5-Year) is ranked lower than
99.99% of the 113 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.07 vs. CNO: 1.70 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CNO' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.22  Med: 1.01 Max: 1.81
Current: 1.7
0.22
1.81
3-Year Average Share Buyback Ratio 6.00
CNO's 3-Year Average Share Buyback Ratio is ranked higher than
97% of the 68 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.50 vs. CNO: 6.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CNO' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -18.1  Med: 4.10 Max: 0
Current: 6
-18.1
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.72
CNO's Price/Tangible Book is ranked higher than
76% of the 86 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.54 vs. CNO: 0.72 )
Ranked among companies with meaningful Price/Tangible Book only.
CNO' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.11  Med: 0.69 Max: 2.74
Current: 0.72
0.11
2.74
Price/Projected FCF 0.43
CNO's Price/Projected FCF is ranked lower than
99.99% of the 56 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.58 vs. CNO: 0.43 )
Ranked among companies with meaningful Price/Projected FCF only.
CNO' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.02  Med: 0.20 Max: 0.45
Current: 0.43
0.02
0.45
Price/Median PS Value 1.38
CNO's Price/Median PS Value is ranked lower than
76% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.00 vs. CNO: 1.38 )
Ranked among companies with meaningful Price/Median PS Value only.
CNO' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.06  Med: 1.07 Max: 3.09
Current: 1.38
0.06
3.09
Price/Peter Lynch Fair Value 1.67
CNO's Price/Peter Lynch Fair Value is ranked lower than
89% of the 35 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.99 vs. CNO: 1.67 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CNO' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.54  Med: 0.93 Max: 2.92
Current: 1.67
0.54
2.92
Price/Graham Number 0.62
CNO's Price/Graham Number is ranked higher than
70% of the 73 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.88 vs. CNO: 0.62 )
Ranked among companies with meaningful Price/Graham Number only.
CNO' s Price/Graham Number Range Over the Past 10 Years
Min: 0.2  Med: 0.62 Max: 4.97
Current: 0.62
0.2
4.97
Earnings Yield (Greenblatt) (%) 6.75
CNO's Earnings Yield (Greenblatt) (%) is ranked lower than
64% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.40 vs. CNO: 6.75 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CNO' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 2.1  Med: 6.90 Max: 16.1
Current: 6.75
2.1
16.1
Forward Rate of Return (Yacktman) (%) 7.21
CNO's Forward Rate of Return (Yacktman) (%) is ranked lower than
74% of the 58 Companies
in the Global Insurance - Life industry.

( Industry Median: 17.67 vs. CNO: 7.21 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CNO' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -15.2  Med: -8.00 Max: 7.2
Current: 7.21
-15.2
7.2

More Statistics

Revenue (TTM) (Mil) $3,794
EPS (TTM) $ 1.40
Beta0.95
Short Percentage of Float3.24%
52-Week Range $14.66 - 20.88
Shares Outstanding (Mil)179.10

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 3,925 4,061 4,186
EPS ($) 1.51 1.68 1.90
EPS w/o NRI ($) 1.51 1.68 1.90
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
» More Articles for NYSE:CNO

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Bankers Life Launches New Critical Illness Insurance Product, Critical Benefit PLUS(SM) May 23 2016
CNO FINANCIAL GROUP, INC. Financials May 10 2016
CNO Financial Group, Inc. breached its 50 day moving average in a Bearish Manner : CNO-US : May 5,... May 05 2016
CNO FINANCIAL GROUP, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders,... May 04 2016
CNO Financial Group Announces Increase to Quarterly Dividend and Results of Annual Shareholders... May 04 2016
CNO Financial Group Announces Increase to Quarterly Dividend and Results of Annual Shareholders... May 04 2016
CNO FINANCIAL GROUP, INC. Files SEC form 10-Q, Quarterly Report May 04 2016
CNO Financial Group, Inc. :CNO-US: Earnings Analysis: Q1, 2016 By the Numbers May 02 2016
Edited Transcript of CNO earnings conference call or presentation 28-Apr-16 3:00pm GMT Apr 28 2016
CNO Financial (CNO) Q1 Earnings Miss, Revenues Surpass Apr 28 2016
CNO FINANCIAL GROUP, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 28 2016
CNO misses 1Q profit forecasts Apr 27 2016
CNO misses 1Q profit forecasts Apr 27 2016

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