CNO Financial Group (FRA:COS) EBITDA per Share: €7.51 (TTM As of Mar. 2026)


FRA:COS CNO Financial Group Inc FRA:COS
68 GF Score
Price €46.00
GF Value €35.38
! 8 Warning Signs
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What is CNO Financial Group EBITDA per Share?

CNO Financial Group FRA:COS +1.77% 68 EBITDA per Share is €7.51 as of Mar. 2026. GuruFocus rates FRA:COS with a GF Score™ of 68/100 and a GF Value™ of €35.38. The stock has 8 warning signs investors should review. Among 286 Insurance companies, CNO Financial Group ranks worse than 87.41% on this metric.

CNO Financial Group's EBITDA per Share for the three months ended in Mar. 2026 was €1.64. Its EBITDA per Share for the trailing twelve months (TTM) ended in Mar. 2026 was €7.51.

During the past 12 months, the average EBITDA per Share Growth Rate of CNO Financial Group was -5.00% per year. During the past 3 years, the average EBITDA per Share Growth Rate was -6.10% per year. During the past 5 years, the average EBITDA per Share Growth Rate was 7.90% per year. During the past 10 years, the average EBITDA per Share Growth Rate was 13.30% 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 EBITDA per Share growth rate using EBITDA per Share data.

The historical rank and industry rank for CNO Financial Group's EBITDA per Share or its related term are showing as below:

FRA:COS' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -47.2   Med: 1.5   Max: 96.5
Current: -6.1

During the past 13 years, the highest 3-Year average EBITDA per Share Growth Rate of CNO Financial Group was 96.50% per year. The lowest was -47.20% per year. And the median was 1.50% per year.

FRA:COS's 3-Year EBITDA Growth Rate is ranked worse than
87.41% of 286 companies
in the Insurance industry
Industry Median: 17.05 vs FRA:COS: -6.10

CNO Financial Group's EBITDA for the three months ended in Mar. 2026 was €158 Mil.

During the past 12 months, the average EBITDA Growth Rate of CNO Financial Group was -12.20% per year. During the past 3 years, the average EBITDA Growth Rate was -11.20% per year. During the past 5 years, the average EBITDA Growth Rate was 0.80% per year. During the past 10 years, the average EBITDA Growth Rate was 6.00% 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 EBITDA Growth Rate using EBITDA data.

During the past 13 years, the highest 3-Year average EBITDA Growth Rate of CNO Financial Group was 81.80% per year. The lowest was -39.20% per year. And the median was 0.40% per year.


CNO Financial Group  (FRA:COS) EBITDA per Share Explanation

EBITDA is a cash flow measure that ignores changes in working capital. EBITDA minus Depreciation, and Amortization (DA) equals EBIT. EBIT is profit before interest and taxes. Of course, Interest and taxes need to be paid.

While depreciation and amortization expenses do not need to be paid in cash, assets - especially tangible assets - do need to be replaced over time. EBITDA is not a measure of profit in any sense. EBITDA is a measure of cash generation by a business where the uses of that cash may be more or less discretionary depending on the nature of the business.

The EBITDA of a TV station is largely discretionary. Owners may use much of the EBITDA generated by a TV station as they see fit. The EBITDA of a railroad is largely non-discretionary. Owners must use much of the EBITDA generated by a railroad to replace the physical assets of the railroad or the business will literally fall apart over time.

EBITDA can be thought of as the cash a business generates that is available to:

Add more inventory
Add more receivables
Replace property, plant, and equipment
Add more property, plant, and equipment
Pay interest
Pay taxes
And finally: pay owners

EBITDA is widely used in financial analysis because Depreciation and Amortization are not present day cash expenses. Depreciation and amortization are the spreading out of the costs of assets over the time in which those assets provide benefits. Today's depreciation and amortization expenses relate to assets bought in the past. The assets being expensed may or may not need to be replaced in the future. And the cost to replace the assets may be more or less than it was in the past. For this reason, the depreciation and amortization expenses a company records in the present year may have no relationship to the actual cash costs needed to maintain its assets in future years.

A company's depreciation expense depends on both its expectations about the assets it owns and its choice of accounting methods. Two companies owning identical assets may have different depreciation expenses because they have different expectations about the useful lives of those assets and because they make different accounting choices.

Analysts use EBITDA to remove this element of personal choice from a company's accounting statements. The use of EBITDA is an attempt to make the results of different companies more comparable and uniform.


Be Aware

Although depreciation is not a cash cost, it is a real business cost because the company has to pay for the fixed assets when they purchase them. Both Warren Buffett and Charlie Munger hate the idea of EBITDA because in this calculation, depreciation is not counted as an expense.

EBITDA over Revenue is a good metric for comparing the operating efficiencies between companies because EBITDA is less vulnerable to companies' accounting choices. For this reason, EBITDA is used in ranking the Predictability of Companies.


CNO Financial Group EBITDA per Share Related Terms


CNO Financial Group EBITDA per Share Historical Data

* Premium members only.

The historical data trend for CNO Financial Group's EBITDA per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

CNO Financial Group EBITDA per Share Chart

CNO Financial Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBITDA per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.19 9.64 6.87 9.60 7.21

CNO Financial Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBITDA per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.50 2.21 1.50 2.16 1.64
FRA:COS
68GF Score
CNO Financial Group Inc FRA:COS
EBITDA per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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CNO Financial Group EBITDA per Share Calculation

EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.

Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.

CNO Financial Group's EBITDA per Share for the fiscal year that ended in Dec. 2025 is calculated as

EBITDA per Share(A: Dec. 2025 )
=EBITDA/Shares Outstanding (Diluted Average)
=719.751/99.822
=7.21

CNO Financial Group's EBITDA per Share for the quarter that ended in Mar. 2026 is calculated as

EBITDA per Share(Q: Mar. 2026 )
=EBITDA/Shares Outstanding (Diluted Average)
=158.035/96.139
=1.64

EBITDA per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €7.51

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about EBITDA per Share →
What does a EBITDA per Share of €7.51 mean?
CNO Financial Group (FRA:COS) has a EBITDA per Share of €7.51 as of Mar. 2026. EBITDA per share is the per-share amount of earnings before interest, taxes, depreciation and amortization. View historical data on CNO Financial Group and its competitors. According to the industry distribution chart, CNO Financial Group ranks #250 out of 286 companies in the Insurance industry, placing it in the top 87.4%.
Is CNO Financial Group's EBITDA per Share too high?
CNO Financial Group's current EBITDA per Share is €7.51. Based on the distribution chart, CNO Financial Group ranks #250 out of 286 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, CNO Financial Group has a GF Score™ of 68/100, reflecting its overall financial health beyond just this single metric.
How does CNO Financial Group's EBITDA per Share compare to BHF and GNW?
According to the Insurance industry distribution chart, CNO Financial Group ranks #250 out of 286 companies for EBITDA per Share. This places CNO Financial Group in the lower half of its industry. The industry median EBITDA per Share is 17.05. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA per Share for an Insurance company?
The median EBITDA per Share among Insurance companies is 17.05, based on 286 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA per Share significantly above this median, while those in the bottom quartile fall well below. However, EBITDA per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBITDA per Share mean?
A high EBITDA per Share can signal that a stock is expensive relative to its fundamentals. EBITDA per share is the per-share amount of earnings before interest, taxes, depreciation and amortization. View historical data on CNO Financial Group and its competitors. For the Insurance industry, the median EBITDA per Share is 17.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNO Financial Group's current EBITDA per Share is €7.51. 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?
CNO Financial Group (FRA:COS) has a current EBITDA per Share of €7.51. The stock's GF Value™ is €35.38, compared to a current price of €46.00 — trading 30% above its estimated fair value. The current EBITDA per Share is €7.51. CNO Financial Group's overall GF Score™ is 68/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA per Share calculated?
EBITDA per Share is calculated from a company's financial statements. For CNO Financial Group (FRA:COS), the current EBITDA per Share is €7.51 as of Mar. 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 €46.00 is trading 30% above its estimated GF Value™ of €35.38.

Key valuation signals for FRA:COS:

  • EBITDA per Share: €7.51
  • GF Value™: €35.38 vs. price of €46.00 (30% above fair value)
  • GF Score™: 68/100 with 8 warning signs

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 Business Description

Other Exchanges CNO:USA
Address 11299 Illinois Street, Carmel, IN, USA, 46032
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.
68GF Score

Get the complete analysis for FRA:COS

EBITDA per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€46.00
Price
€35.38
GF Value