CNO Financial Group (FRA:COS) Effective Interest Rate on Debt %: 4.90% (As of Mar. 2026)


FRA:COS CNO Financial Group Inc FRA:COS
68 GF Score
Price €45.60
GF Value €34.79
! 8 Warning Signs
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What is CNO Financial Group Effective Interest Rate on Debt %?

CNO Financial Group FRA:COS +0.44% 68 Effective Interest Rate on Debt % is 4.90% as of Mar. 2026. GuruFocus rates FRA:COS with a GF Score™ of 68/100 and a GF Value™ of €34.79. The stock has 8 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. CNO Financial Group's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was €176 Mil. CNO Financial Group's average total debt for the quarter that ended in Mar. 2026 was €3,591 Mil. Therefore, CNO Financial Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 4.90%.


CNO Financial Group  (FRA:COS) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


CNO Financial Group Effective Interest Rate on Debt % Related Terms


CNO Financial Group Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for CNO Financial Group's Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % Chart

CNO Financial Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.49 3.59 5.86 5.98 5.07

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
Effective Interest Rate on Debt % 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 5.47 5.36 5.49 5.26 4.90

FRA:COS vs BHF, GNW, FG: Effective Interest Rate on Debt % Comparison

For the Insurance - Life subindustry, CNO Financial Group's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Insurance Industry

For the Insurance industry and Financial Services sector, CNO Financial Group's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where CNO Financial Group's Effective Interest Rate on Debt % falls into.


FRA:COS
68GF Score
CNO Financial Group Inc FRA:COS
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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CNO Financial Group Effective Interest Rate on Debt % Calculation

CNO Financial Group's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -197.189/( (4316.505+3460.152)/ 2 )
=-1  *  -197.189/3888.3285
=5.07 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=4316.505 + 0
=4316.505

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3460.152 + 0
=3460.152

CNO Financial Group's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -176.112/( (3460.152+3721.316)/ 2 )
=-1  *  -176.112/3590.734
=4.90 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3460.152 + 0
=3460.152

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=3721.316 + 0
=3721.316

* 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.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 4.90% mean?
CNO Financial Group (FRA:COS) has a Effective Interest Rate on Debt % of 4.90% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on CNO Financial Group and its competitors.
Is CNO Financial Group's Effective Interest Rate on Debt % too high?
CNO Financial Group's current Effective Interest Rate on Debt % is 4.90%. 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 Effective Interest Rate on Debt % compare to BHF and GNW?
CNO Financial Group's Effective Interest Rate on Debt % of 4.90% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for an Insurance company?
A good Effective Interest Rate on Debt % depends on the Insurance industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on CNO Financial Group and its competitors. CNO Financial Group's current Effective Interest Rate on Debt % is 4.90%. 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 Effective Interest Rate on Debt % of 4.90%. The stock's GF Value™ is €34.79, compared to a current price of €45.60 — trading 31.1% above its estimated fair value. The current Effective Interest Rate on Debt % is 4.90%. 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 Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For CNO Financial Group (FRA:COS), the current Effective Interest Rate on Debt % is 4.90% 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 €45.60 is trading 31.1% above its estimated GF Value™ of €34.79.

Key valuation signals for FRA:COS:

  • Effective Interest Rate on Debt %: 4.90%
  • GF Value™: €34.79 vs. price of €45.60 (31.1% 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

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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€45.60
Price
€34.79
GF Value