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CNO Financial GroupFRA:COS +0.86%69 3-Year Book Growth Rate is 21.80% as of Jun. 2026, which is 938% above its 10-year median of 2.10. GuruFocus rates FRA:COS with a GF Score™ of 69/100 and a GF Value™ of €36.16 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 479 Insurance companies, CNO Financial Group ranks better than 85.8% on this metric.
During the past 12 months, CNO Financial Group's average Book Value per Share Growth Rate was 7.90% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 21.80% per year.
During the past 5 years, the average Book Value per Share Growth Rate was -9.00% per year.
During the past 10 years, the average Book Value per Share Growth Rate was -0.40% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of CNO Financial Group was 29.70% per year. The lowest was -33.40% per year. And the median was 2.10% per year.
CNO Financial Group (FRA:COS) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
CNO Financial Group 3-Year Book Growth Rate Related Terms
FRA:COS vs FG, GNW, BHF: 3-Year Book Growth Rate Comparison
For the Insurance - Life subindustry, CNO Financial Group's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
CNO Financial Group 3-Year Book Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, CNO Financial Group's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where CNO Financial Group's 3-Year Book Growth Rate falls into.
CNO Financial Group 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 21.80% mean?
CNO Financial Group (FRA:COS) has a 3-Year Book Growth Rate of 21.80% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for CNO Financial Group and its competitors. This is 938% above median its historical median of 2.10. According to the industry distribution chart, CNO Financial Group ranks #68 out of 479 companies in the Insurance industry, placing it in the top 14.2%.
Is CNO Financial Group's 3-Year Book Growth Rate too high?
CNO Financial Group's current 3-Year Book Growth Rate of 21.80% is 938% above median its 10-year median of 2.10. The Insurance industry median 3-Year Book Growth Rate is 8.20. CNO Financial Group's value of 21.80% is 165.9% above this industry median. Based on the distribution chart, CNO Financial Group ranks #68 out of 479 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, CNO Financial Group has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CNO Financial Group's 3-Year Book Growth Rate compare to FG and GNW?
According to the Insurance industry distribution chart, CNO Financial Group ranks #68 out of 479 companies for 3-Year Book Growth Rate. This places CNO Financial Group in the top 14% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.20. CNO Financial Group's value of 21.80% is 165.9% above this benchmark. While the company's 10-year median is 2.10 vs. the industry median of 8.20, CNO Financial Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for an Insurance company?
The median 3-Year Book Growth Rate among Insurance companies is 8.20, based on 479 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNO Financial Group's current 3-Year Book Growth Rate of 21.80% is 165.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for CNO Financial Group and its competitors. For the Insurance industry, the median 3-Year Book Growth Rate is 8.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNO Financial Group's current 3-Year Book Growth Rate is 21.80%, which is 938% above median its own 10-year median of 2.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CNO Financial Group stock overvalued right now?
Based on GuruFocus' analysis, CNO Financial Group (FRA:COS) is currently considered Modestly Overvalued. The stock's GF Value™ is €36.16, compared to a current price of €47.00 — trading 30% above its estimated fair value. The current 3-Year Book Growth Rate is 21.80%, which is 938% above median its 10-year median of 2.10 and 165.9% above the Insurance industry median of 8.20. CNO Financial Group's overall GF Score™ is 69/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For CNO Financial Group (FRA:COS), the current 3-Year Book Growth Rate is 21.80% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is CNO Financial Group (FRA:COS) Overvalued in 2026?
Based on GuruFocus' analysis, CNO Financial Group stock appears to be overvalued.
The current stock price of €47.00 is trading 30% above its estimated GF Value™ of €36.16.
GuruFocus considers CNO Financial Group to be Modestly Overvalued.
Key valuation signals for FRA:COS:
3-Year Book Growth Rate: 21.80% (938% above median its 10-year median of 2.10)
GF Value™: €36.16 vs. price of €47.00 (30% above fair value)
Industry Position: 165.9% above the Insurance median (#68 of 479)
No single metric tells the full story. See the FRA:COS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CNO Financial Group Inc is a holding company for a group of insurance companies that develop, market and administer health insurance, annuity, individual life insurance and other insurance and financial services products. Consumers are served through the phone, online, mail, face-to-face with agents, or sales channels. The company's operating segments include annuity, health, and life insurance product lines as well as the investment and fee revenue segments. Maximum revenue is generated from the health product line segment. Annuity premiums account for the majority of the total premiums collected. Annuity products include fixed index annuities, traditional fixed-rate annuities, and single-premium immediate annuity products.
69GF Score
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