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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.23
CNO's Cash-to-Debt is ranked lower than
89% of the 92 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.48 vs. CNO: 0.23 )
Ranked among companies with meaningful Cash-to-Debt only.
CNO' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.2 Max: 1.9
Current: 0.23
0.08
1.9
Equity-to-Asset 0.15
CNO's Equity-to-Asset is ranked higher than
72% of the 89 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 Equity-to-Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.14 Max: 0.15
Current: 0.15
0.06
0.15
Debt-to-Equity 0.77
CNO's Debt-to-Equity is ranked lower than
90% of the 58 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.28 vs. CNO: 0.77 )
Ranked among companies with meaningful Debt-to-Equity only.
CNO' s Debt-to-Equity Range Over the Past 10 Years
Min: -0.33  Med: 0.62 Max: 1.3
Current: 0.77
-0.33
1.3
Debt-to-EBITDA 4.02
CNO's Debt-to-EBITDA is ranked lower than
84% of the 57 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.17 vs. CNO: 4.02 )
Ranked among companies with meaningful Debt-to-EBITDA only.
CNO' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 2.29  Med: 4.62 Max: 6.59
Current: 4.02
2.29
6.59
Interest Coverage 4.37
CNO's Interest Coverage is ranked lower than
88% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 103.48 vs. CNO: 4.37 )
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: 4.37
Current: 4.37
0.03
4.37
Beneish M-Score: -2.52
WACC vs ROIC
4.84%
6.08%
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 % 12.72
CNO's Operating Margin % is ranked higher than
61% of the 92 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.16 vs. CNO: 12.72 )
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: 12.72
Current: 12.72
-0.24
12.72
Net Margin % 11.41
CNO's Net Margin % is ranked higher than
68% of the 92 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.08 vs. CNO: 11.41 )
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: 11.41
Current: 11.41
-27.03
11.41
ROE % 10.34
CNO's ROE % is ranked lower than
53% of the 91 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.29 vs. CNO: 10.34 )
Ranked among companies with meaningful ROE % only.
CNO' s ROE % Range Over the Past 10 Years
Min: -38.68  Med: 5.35 Max: 10.34
Current: 10.34
-38.68
10.34
ROA % 1.48
CNO's ROA % is ranked higher than
65% of the 92 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.70 vs. CNO: 1.48 )
Ranked among companies with meaningful ROA % only.
CNO' s ROA % Range Over the Past 10 Years
Min: -3.61  Med: 0.77 Max: 1.48
Current: 1.48
-3.61
1.48
3-Year Revenue Growth Rate 5.10
CNO's 3-Year Revenue Growth Rate is ranked higher than
53% of the 85 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.70 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
69% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.20 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
59% of the 78 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: 2018-02-07)


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

» Details

Guru Trades

Q4 2016

CNO Guru Trades in Q4 2016

Joel Greenblatt 18,367 sh (New)
Paul Tudor Jones 84,762 sh (+663.62%)
Jim Simons 206,900 sh (+257.96%)
HOTCHKIS & WILEY 5,833,970 sh (+66.92%)
Jeremy Grantham Sold Out
George Soros Sold Out
Barrow, Hanley, Mewhinney & Strauss 115,333 sh (-0.89%)
Columbia Wanger 2,062,514 sh (-10.65%)
» More
Q1 2017

CNO Guru Trades in Q1 2017

Richard Snow 425,815 sh (New)
Jim Simons 407,700 sh (+97.05%)
Barrow, Hanley, Mewhinney & Strauss 118,901 sh (+3.09%)
Joel Greenblatt Sold Out
HOTCHKIS & WILEY 5,600,190 sh (-4.01%)
Columbia Wanger 1,088,275 sh (-47.24%)
Paul Tudor Jones 30,391 sh (-64.15%)
» More
Q2 2017

CNO Guru Trades in Q2 2017

Paul Tudor Jones 46,436 sh (+52.80%)
Richard Snow 502,570 sh (+18.03%)
Jim Simons Sold Out
Columbia Wanger Sold Out
Barrow, Hanley, Mewhinney & Strauss Sold Out
HOTCHKIS & WILEY 5,341,400 sh (-4.62%)
» More
Q3 2017

CNO Guru Trades in Q3 2017

Jeremy Grantham 119,300 sh (New)
Richard Snow 455,714 sh (-9.32%)
HOTCHKIS & WILEY 4,605,480 sh (-13.78%)
Paul Tudor Jones 22,197 sh (-52.20%)
» 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
HOTCHKIS & WILEY 2017-09-30 Reduce -13.78%0.06%$20.81 - $23.77 $ 23.797%4,605,480
HOTCHKIS & WILEY 2017-06-30 Reduce -4.62%0.02%$19.59 - $21.48 $ 23.7915%5,341,400
Barrow, Hanley, Mewhinney & Strauss 2017-06-30 Sold Out $19.59 - $21.48 $ 23.7915%0
HOTCHKIS & WILEY 2017-03-31 Reduce -4.01%0.02%$18.73 - $21.26 $ 23.7919%5,600,190
Barrow, Hanley, Mewhinney & Strauss 2017-03-31 Add 3.09%$18.73 - $21.26 $ 23.7919%118,901
Joel Greenblatt 2017-03-31 Sold Out $18.73 - $21.26 $ 23.7919%0
HOTCHKIS & WILEY 2016-12-31 Add 66.92%0.18%$15 - $19.87 $ 23.7938%5,833,970
Barrow, Hanley, Mewhinney & Strauss 2016-12-31 Reduce -0.89%$15 - $19.87 $ 23.7938%115,333
Joel Greenblatt 2016-12-31 New Buy$15 - $19.87 $ 23.7938%18,367
George Soros 2016-12-31 Sold Out 0.01%$15 - $19.87 $ 23.7938%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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Business Description

Industry: Insurance - Life » Insurance - Life    NAICS: 524114    SIC: 6311
Compare:NYSE:PRI, OSL:STB, LSE:PHNX, TPE:2823, XKRX:079440, TPE:2888, XKRX:088350, NYSE:AEL, XTER:WUW, BOM:500271, JSE:LBH, JSE:MMI, NYSE:FFG, BKK:BLA, NYSE:FGL, JSE:DSY, NAS:NWLI, XKRX:082640, XTAE:CLIS, TPE:2867 » details
Traded in other countries:COS.Germany,
Headquarter Location:USA
CNO Financial Group Inc is a holding company for a group of insurance companies. It 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 8.67
CNO's PE Ratio is ranked higher than
76% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.76 vs. CNO: 8.67 )
Ranked among companies with meaningful PE Ratio only.
CNO' s PE Ratio Range Over the Past 10 Years
Min: 3.49  Med: 11.71 Max: 992
Current: 8.67
3.49
992
PE Ratio without NRI 8.67
CNO's PE Ratio without NRI is ranked higher than
78% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.76 vs. CNO: 8.67 )
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: 11.71 Max: 992
Current: 8.67
3.49
992
PB Ratio 0.82
CNO's PB Ratio is ranked higher than
67% of the 90 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.19 vs. CNO: 0.82 )
Ranked among companies with meaningful PB Ratio only.
CNO' s PB Ratio Range Over the Past 10 Years
Min: 0.04  Med: 0.58 Max: 0.91
Current: 0.82
0.04
0.91
PS Ratio 1.00
CNO's PS Ratio is ranked lower than
53% of the 90 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.90 vs. CNO: 1.00 )
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: 1
0.02
1.07
Price-to-Free-Cash-Flow 6.78
CNO's Price-to-Free-Cash-Flow is ranked higher than
55% of the 55 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.02 vs. CNO: 6.78 )
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: 3.6 Max: 40.54
Current: 6.78
0.22
40.54
Price-to-Operating-Cash-Flow 6.78
CNO's Price-to-Operating-Cash-Flow is ranked higher than
50% of the 62 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.84 vs. CNO: 6.78 )
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: 3.6 Max: 40.54
Current: 6.78
0.22
40.54
EV-to-EBIT 10.43
CNO's EV-to-EBIT is ranked lower than
74% of the 76 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.68 vs. CNO: 10.43 )
Ranked among companies with meaningful EV-to-EBIT only.
CNO' s EV-to-EBIT Range Over the Past 10 Years
Min: -117.1  Med: 14.1 Max: 47.5
Current: 10.43
-117.1
47.5
EV-to-EBITDA 7.34
CNO's EV-to-EBITDA is ranked higher than
52% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.33 vs. CNO: 7.34 )
Ranked among companies with meaningful EV-to-EBITDA only.
CNO' s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.3  Med: 7.9 Max: 14
Current: 7.34
2.3
14
EV-to-Revenue 1.65
CNO's EV-to-Revenue is ranked lower than
73% of the 79 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.01 vs. CNO: 1.65 )
Ranked among companies with meaningful EV-to-Revenue only.
CNO' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.3  Med: 1.2 Max: 1.9
Current: 1.65
0.3
1.9
PEG Ratio 0.66
CNO's PEG Ratio is ranked higher than
71% of the 49 Companies
in the Global Insurance - Life industry.

( Industry Median: 9999.00 vs. CNO: 0.66 )
Ranked among companies with meaningful PEG Ratio only.
CNO' s PEG Ratio Range Over the Past 10 Years
Min: 0.38  Med: 1.11 Max: 21.43
Current: 0.66
0.38
21.43
Shiller PE Ratio 64.38
CNO's Shiller PE Ratio is ranked lower than
95% of the 43 Companies
in the Global Insurance - Life industry.

( Industry Median: 19.84 vs. CNO: 64.38 )
Ranked among companies with meaningful Shiller PE Ratio only.
CNO' s Shiller PE Ratio Range Over the Past 10 Years
Min: 2.01  Med: 99.43 Max: 1800
Current: 64.38
2.01
1800

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.42
CNO's Dividend Yield % is ranked lower than
99.99% of the 130 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.26 vs. CNO: 1.42 )
Ranked among companies with meaningful Dividend Yield % only.
CNO' s Dividend Yield % Range Over the Past 10 Years
Min: 0.22  Med: 1.33 Max: 1.99
Current: 1.42
0.22
1.99
Dividend Payout Ratio 0.12
CNO's Dividend Payout Ratio is ranked higher than
85% of the 93 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.28 vs. CNO: 0.12 )
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: 0.12
0.05
1
3-Year Dividend Growth Rate 41.30
CNO's 3-Year Dividend Growth Rate is ranked higher than
90% of the 58 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.10 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 % 1.52
CNO's Forward Dividend Yield % is ranked lower than
99.99% of the 128 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.55 vs. CNO: 1.52 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.42
CNO's 5-Year Yield-on-Cost % is ranked lower than
99.99% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.32 vs. CNO: 1.42 )
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: 1.33 Max: 1.99
Current: 1.42
0.22
1.99
3-Year Average Share Buyback Ratio 7.60
CNO's 3-Year Average Share Buyback Ratio is ranked higher than
99% of the 67 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 0.82
CNO's Price-to-Tangible-Book is ranked higher than
75% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.49 vs. CNO: 0.82 )
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: 0.72 Max: 2.74
Current: 0.82
0.11
2.74
Price-to-Intrinsic-Value-Projected-FCF 0.40
CNO's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
67% of the 48 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.54 vs. CNO: 0.40 )
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: 0.23 Max: 0.45
Current: 0.4
0.02
0.45
Price-to-Median-PS-Value 1.58
CNO's Price-to-Median-PS-Value is ranked lower than
90% of the 72 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.07 vs. CNO: 1.58 )
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: 1.13 Max: 2.64
Current: 1.58
0.06
2.64
Price-to-Peter-Lynch-Fair-Value 0.42
CNO's Price-to-Peter-Lynch-Fair-Value is ranked higher than
70% of the 23 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.85 vs. CNO: 0.42 )
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: 0.42  Med: 0.93 Max: 2.92
Current: 0.42
0.42
2.92
Price-to-Graham-Number 0.56
CNO's Price-to-Graham-Number is ranked higher than
86% of the 77 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.01 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: 0.65 Max: 4.97
Current: 0.56
0.21
4.97
Earnings Yield (Greenblatt) % 9.59
CNO's Earnings Yield (Greenblatt) % is ranked lower than
62% of the 91 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.07 vs. CNO: 9.59 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CNO' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -1  Med: 6.9 Max: 16.1
Current: 9.59
-1
16.1
Forward Rate of Return (Yacktman) % 33.33
CNO's Forward Rate of Return (Yacktman) % is ranked higher than
70% of the 64 Companies
in the Global Insurance - Life industry.

( Industry Median: 20.94 vs. CNO: 33.33 )
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: 29.6 Max: 1394.3
Current: 33.33
3.4
1394.3

More Statistics

Revenue (TTM) (Mil) $4,212.00
EPS (TTM) $ 2.75
Beta0.83
Short Percentage of Float1.39%
52-Week Range $17.31 - 25.07
Shares Outstanding (Mil)167.76

Analyst Estimate

Dec17 Dec19
Revenue (Mil $) 4,114 4,288
EPS ($) 1.55 1.90
EPS without NRI ($) 1.55 1.90
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($) 0.35

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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