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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 0.21
CNO's Cash-to-Debt is ranked lower than
90% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.78 vs. CNO: 0.21 )
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: 0.21
Equity-to-Asset 0.14
CNO's Equity-to-Asset is ranked higher than
66% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.08 vs. CNO: 0.14 )
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: 0.14
0.06
0.15
Interest Coverage 3.43
CNO's Interest Coverage is ranked lower than
89% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 118.47 vs. CNO: 3.43 )
Ranked among companies with meaningful Interest Coverage only.
CNO' s Interest Coverage Range Over the Past 10 Years
Min: 0.03  Med: 2.59 Max: 3.87
Current: 3.43
0.03
3.87
Beneish M-Score: -2.67
WACC vs ROIC
4.97%
4.76%
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 % 10.00
CNO's Operating Margin % is ranked higher than
57% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.22 vs. CNO: 10.00 )
Ranked among companies with meaningful Operating Margin % only.
CNO' s Operating Margin % Range Over the Past 10 Years
Min: -0.24  Med: 5.52 Max: 10
Current: 10
-0.24
10
Net Margin % 9.16
CNO's Net Margin % is ranked higher than
67% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.58 vs. CNO: 9.16 )
Ranked among companies with meaningful Net Margin % only.
CNO' s Net Margin % Range Over the Past 10 Years
Min: -27.03  Med: 6.03 Max: 10.68
Current: 9.16
-27.03
10.68
ROE % 8.42
CNO's ROE % is ranked higher than
52% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.37 vs. CNO: 8.42 )
Ranked among companies with meaningful ROE % only.
CNO' s ROE % Range Over the Past 10 Years
Min: -38.68  Med: 5.35 Max: 9.56
Current: 8.42
-38.68
9.56
ROA % 1.17
CNO's ROA % is ranked higher than
65% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.63 vs. CNO: 1.17 )
Ranked among companies with meaningful ROA % only.
CNO' s ROA % Range Over the Past 10 Years
Min: -3.61  Med: 0.77 Max: 1.39
Current: 1.17
-3.61
1.39
3-Year Revenue Growth Rate 5.10
CNO's 3-Year Revenue Growth Rate is ranked higher than
54% of the 81 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.60 vs. CNO: 5.10 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CNO' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: -10.15 Max: 12.4
Current: 5.1
0
12.4
3-Year EBITDA Growth Rate 9.80
CNO's 3-Year EBITDA Growth Rate is ranked higher than
68% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.90 vs. CNO: 9.80 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CNO' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -11.35 Max: 22.5
Current: 9.8
0
22.5
3-Year EPS without NRI Growth Rate -0.80
CNO's 3-Year EPS without NRI Growth Rate is ranked lower than
56% of the 73 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.60 vs. CNO: -0.80 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CNO' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 27.7
Current: -0.8
0
27.7
GuruFocus has detected 3 Warning Signs with CNO Financial Group Inc $CNO.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CNO's 30-Y Financials

Financials (Next Earnings Date: 2017-07-26 Est.)



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Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

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Business Description

Industry: Insurance - Life » Insurance - Life    NAICS: 524114    SIC: 6311
Compare:NYSE:PRI, NYSE:AEL, NYSE:FGL, NYSE:FFG, NAS:NWLI, OTCPK:CSNRF, OTCPK:KCLI, NYSE:CIA, NYSE:IHC, NAS:TIPT, OTCPK:HNRDF, NAS:AAME, OTCPK:UTGN, NAS:GWGH, OTCPK:IHRC, OTCPK:EMGC, OTCPK:MDWT, OTCPK:STJPF, NYSE:TMK, OTCPK:PWCDF » details
Traded in other countries:COS.Germany,
Headquarter Location:USA
CNO Financial Group Inc is a holding company for a group of insurance companies. The Company through its subsidiaries develops, markets and administers health insurance, annuity, individual life insurance and other insurance products.

After emerging from bankruptcy in 2003, Conseco sold its finance business and focused on insurance. Main revenue sources include Medicare supplement, fixed annuities, and long-term care insurance, but the firm also offers life and specified disease insurance, such as cancer and heart/stroke policies, and equity-indexed annuities through a network of career agents, independent distributors, and direct marketing, targeting seniors and the middle-income market.

Ratios

vs
industry
vs
history
PE Ratio 9.36
CNO's PE Ratio is ranked higher than
85% of the 82 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.07 vs. CNO: 9.36 )
Ranked among companies with meaningful PE Ratio only.
CNO' s PE Ratio Range Over the Past 10 Years
Min: 3.49  Med: 12.2 Max: 992
Current: 9.36
3.49
992
PE Ratio without NRI 9.36
CNO's PE Ratio without NRI is ranked higher than
87% of the 82 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.07 vs. CNO: 9.36 )
Ranked among companies with meaningful PE Ratio without NRI only.
CNO' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.49  Med: 12.2 Max: 992
Current: 9.36
3.49
992
PB Ratio 0.75
CNO's PB Ratio is ranked higher than
80% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.18 vs. CNO: 0.75 )
Ranked among companies with meaningful PB Ratio only.
CNO' s PB Ratio Range Over the Past 10 Years
Min: 0.04  Med: 0.59 Max: 0.97
Current: 0.75
0.04
0.97
PS Ratio 0.86
CNO's PS Ratio is ranked higher than
51% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.91 vs. CNO: 0.86 )
Ranked among companies with meaningful PS Ratio only.
CNO' s PS Ratio Range Over the Past 10 Years
Min: 0.02  Med: 0.62 Max: 1.07
Current: 0.86
0.02
1.07
Price-to-Free-Cash-Flow 4.63
CNO's Price-to-Free-Cash-Flow is ranked higher than
54% of the 52 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.25 vs. CNO: 4.63 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CNO' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.22  Med: 3.61 Max: 40.54
Current: 4.63
0.22
40.54
Price-to-Operating-Cash-Flow 4.63
CNO's Price-to-Operating-Cash-Flow is ranked higher than
50% of the 60 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.63 vs. CNO: 4.63 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CNO' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.22  Med: 3.61 Max: 40.54
Current: 4.63
0.22
40.54
EV-to-EBIT 12.68
CNO's EV-to-EBIT is ranked lower than
76% of the 72 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.44 vs. CNO: 12.68 )
Ranked among companies with meaningful EV-to-EBIT only.
CNO' s EV-to-EBIT Range Over the Past 10 Years
Min: -117.1  Med: 14.5 Max: 47.5
Current: 12.68
-117.1
47.5
EV-to-EBITDA 8.33
CNO's EV-to-EBITDA is ranked lower than
55% of the 73 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.99 vs. CNO: 8.33 )
Ranked among companies with meaningful EV-to-EBITDA only.
CNO' s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.3  Med: 7.65 Max: 14
Current: 8.33
2.3
14
PEG Ratio 0.72
CNO's PEG Ratio is ranked higher than
72% of the 46 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.12 vs. CNO: 0.72 )
Ranked among companies with meaningful PEG Ratio only.
CNO' s PEG Ratio Range Over the Past 10 Years
Min: 0.59  Med: 1.36 Max: 21.43
Current: 0.72
0.59
21.43
Shiller PE Ratio 107.99
CNO's Shiller PE Ratio is ranked lower than
100% of the 42 Companies
in the Global Insurance - Life industry.

( Industry Median: 18.84 vs. CNO: 107.99 )
Ranked among companies with meaningful Shiller PE Ratio only.
CNO' s Shiller PE Ratio Range Over the Past 10 Years
Min: 2.01  Med: 117.11 Max: 1800
Current: 107.99
2.01
1800

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.66
CNO's Dividend Yield % is ranked lower than
87% of the 123 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.48 vs. CNO: 1.66 )
Ranked among companies with meaningful Dividend Yield % only.
CNO' s Dividend Yield % Range Over the Past 10 Years
Min: 0.22  Med: 1.28 Max: 1.99
Current: 1.66
0.22
1.99
Dividend Payout Ratio 0.15
CNO's Dividend Payout Ratio is ranked higher than
86% of the 86 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.29 vs. CNO: 0.15 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CNO' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.05  Med: 0.15 Max: 1
Current: 0.15
0.05
1
3-Year Dividend Growth Rate 41.30
CNO's 3-Year Dividend Growth Rate is ranked higher than
89% of the 56 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.40 vs. CNO: 41.30 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
CNO' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 65.1
Current: 41.3
0
65.1
Forward Dividend Yield % 1.81
CNO's Forward Dividend Yield % is ranked lower than
90% of the 125 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.34 vs. CNO: 1.81 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.67
CNO's 5-Year Yield-on-Cost % is ranked lower than
99.99% of the 125 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.60 vs. CNO: 1.67 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CNO' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.22  Med: 1.28 Max: 1.99
Current: 1.67
0.22
1.99
3-Year Average Share Buyback Ratio 7.60
CNO's 3-Year Average Share Buyback Ratio is ranked higher than
98% of the 66 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.20 vs. CNO: 7.60 )
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: 4.2 Max: 0
Current: 7.6
-18.1
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.75
CNO's Price-to-Tangible-Book is ranked higher than
84% of the 85 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.48 vs. CNO: 0.75 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CNO' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.11  Med: 0.69 Max: 2.74
Current: 0.75
0.11
2.74
Price-to-Intrinsic-Value-Projected-FCF 0.33
CNO's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
67% of the 52 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.51 vs. CNO: 0.33 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CNO' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.02  Med: 0.22 Max: 0.45
Current: 0.33
0.02
0.45
Price-to-Median-PS-Value 1.37
CNO's Price-to-Median-PS-Value is ranked lower than
90% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.03 vs. CNO: 1.37 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CNO' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.06  Med: 1.12 Max: 2.64
Current: 1.37
0.06
2.64
Price-to-Peter-Lynch-Fair-Value 0.60
CNO's Price-to-Peter-Lynch-Fair-Value is ranked higher than
80% of the 30 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.92 vs. CNO: 0.60 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
CNO' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.54  Med: 0.93 Max: 2.92
Current: 0.6
0.54
2.92
Price-to-Graham-Number 0.56
CNO's Price-to-Graham-Number is ranked higher than
95% of the 76 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.07 vs. CNO: 0.56 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CNO' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.21  Med: 0.67 Max: 4.97
Current: 0.56
0.21
4.97
Earnings Yield (Greenblatt) % 7.89
CNO's Earnings Yield (Greenblatt) % is ranked lower than
63% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.05 vs. CNO: 7.89 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CNO' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -1  Med: 6.8 Max: 16.1
Current: 7.89
-1
16.1
Forward Rate of Return (Yacktman) % 30.05
CNO's Forward Rate of Return (Yacktman) % is ranked higher than
67% of the 60 Companies
in the Global Insurance - Life industry.

( Industry Median: 21.48 vs. CNO: 30.05 )
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: 3.4  Med: 29.2 Max: 1394.3
Current: 30.05
3.4
1394.3

More Statistics

Revenue (TTM) (Mil) $4,095.40
EPS (TTM) $ 2.12
Beta0.99
Short Percentage of Float1.63%
52-Week Range $14.30 - 22.60
Shares Outstanding (Mil)171.31

Analyst Estimate

Dec18 Dec19
Revenue (Mil $) 4,181 4,288
EPS ($) 1.70 1.90
EPS without NRI ($) 1.70 1.90
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
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