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CNO Financial GroupFRA:COS +0.42%69 EV-to-OCF is 12.08 as of Aug. 11, 2026, which is 9% above its 10-year median of 11.09. GuruFocus rates FRA:COS with a GF Score™ of 69/100 and a GF Value™ of €38.42 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 507 Insurance companies, CNO Financial Group ranks worse than 69.03% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, CNO Financial Group's Enterprise Value is €7,250 Mil.
CNO Financial Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was €600 Mil. Therefore, CNO Financial Group's EV-to-OCF for today is 12.08.
The historical rank and industry rank for CNO Financial Group's EV-to-OCF or its related term are showing as below:
FRA:COS'
s EV-to-OCF Range Over the Past 10 Years
Min: 7.47 Med: 11.09 Max: 24.9
Current: 11.99
During the past 13 years, the highest EV-to-OCF of CNO Financial Group was 24.90. The lowest was 7.47. And the median was 11.09.
FRA:COS's EV-to-OCF is ranked worse than 69.03% of 507
companies
in the Insurance industry
Industry Median: 6.73
vs FRA:COS: 11.99
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
CNO Financial Group (FRA:COS) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
CNO Financial Group's PE Ratio (TTM) for today is calculated as:
CNO Financial Group's share price for today is €47.40.
CNO Financial Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €2.506.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
CNO Financial Group EV-to-OCF Related Terms
CNO Financial Group EV-to-OCF Historical Data
* Premium members only.
The historical data trend for CNO Financial Group's EV-to-OCF 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.
For the Insurance - Life subindustry, CNO Financial Group's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, CNO Financial Group's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where CNO Financial Group's EV-to-OCF falls into.
CNO Financial Group's current Enterprise Value is €7,250 Mil.
CNO Financial Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €600 Mil.
* 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 (FRA:COS) has a EV-to-OCF of 12.08 as of Aug. 11, 2026. This is near median its historical median of 11.09. Over the past decade, CNO Financial Group's EV-to-OCF has ranged from 7.47 to 24.90. According to the industry distribution chart, CNO Financial Group ranks #350 out of 507 companies in the Insurance industry, placing it in the top 69%.
Is CNO Financial Group's EV-to-OCF too high?
CNO Financial Group's current EV-to-OCF of 12.08 is near median its 10-year median of 11.09. Over the past 10 years, this metric has ranged from a low of 7.47 to a high of 24.90. The Insurance industry median EV-to-OCF is 6.73. CNO Financial Group's value of 12.08 is 79.5% above this industry median. Based on the distribution chart, CNO Financial Group ranks #350 out of 507 companies in the Insurance industry, which is below the industry midpoint. 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 EV-to-OCF compare to FG and GNW?
According to the Insurance industry distribution chart, CNO Financial Group ranks #350 out of 507 companies for EV-to-OCF. This places CNO Financial Group in the lower half of its industry. The industry median EV-to-OCF is 6.73. CNO Financial Group's value of 12.08 is 79.5% above this benchmark. Historically, CNO Financial Group's own EV-to-OCF has ranged from 7.47 to 24.90 over the past decade. While the company's 10-year median is 11.09 vs. the industry median of 6.73, 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 EV-to-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.73, based on 507 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNO Financial Group's current EV-to-OCF of 12.08 is 79.5% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNO Financial Group's current EV-to-OCF is 12.08, which is near median its own 10-year median of 11.09. 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 €38.42, compared to a current price of €47.40 — trading 23.4% above its estimated fair value. The current EV-to-OCF is 12.08, which is near median its 10-year median of 11.09 and 79.5% above the Insurance industry median of 6.73. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For CNO Financial Group (FRA:COS), the current EV-to-OCF is 12.08 as of Aug. 11, 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 €47.40 is trading 23.4% above its estimated GF Value™ of €38.42.
GuruFocus considers CNO Financial Group to be Modestly Overvalued.
Key valuation signals for FRA:COS:
EV-to-OCF: 12.08 (near median its 10-year median of 11.09)
GF Value™: €38.42 vs. price of €47.40 (23.4% above fair value)
Industry Position: 79.5% above the Insurance median (#350 of 507)
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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