CNO Financial GroupCNO -0.46%68 FCF Margin % is 14.45% as of Mar. 2026, which is 1% below its 10-year median of 14.62. GuruFocus rates CNO with a GF Score™ of 68/100 and a GF Value™ of $40.11 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 501 Insurance companies, CNO Financial Group ranks better than 64.47% on this metric.
The historical rank and industry rank for CNO Financial Group's FCF Margin % or its related term are showing as below:
CNO'
s FCF Margin % Range Over the Past 10 Years
Min: 7.37 Med: 14.62 Max: 19.43
Current: 15.24
During the past 13 years, the highest FCF Margin % of CNO Financial Group was 19.43%. The lowest was 7.37%. And the median was 14.62%.
CNO's FCF Margin % is ranked better than 64.47% of 501
companies
in the Insurance industry
Industry Median: 9.6
vs CNO: 15.24
CNO Financial Group FCF Margin % Related Terms
CNO Financial Group FCF Margin % Historical Data
* Premium members only.
The historical data trend for CNO Financial Group's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, CNO Financial Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where CNO Financial Group's FCF Margin % falls into.
* 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 (CNO) has a FCF Margin % of 14.45% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on CNO Financial Group and its competitors. This is near median its historical median of 14.62. Over the past decade, CNO Financial Group's FCF Margin % has ranged from 7.37 to 19.43. According to the industry distribution chart, CNO Financial Group ranks #178 out of 501 companies in the Insurance industry, placing it in the top 35.5%.
Is CNO Financial Group's FCF Margin % too high?
CNO Financial Group's current FCF Margin % of 14.45% is near median its 10-year median of 14.62. Over the past 10 years, this metric has ranged from a low of 7.37 to a high of 19.43. The Insurance industry median FCF Margin % is 9.60. CNO Financial Group's value of 14.45% is 50.5% above this industry median. Based on the distribution chart, CNO Financial Group ranks #178 out of 501 companies in the Insurance industry, which is above the industry midpoint. Overall, CNO Financial Group has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CNO Financial Group's FCF Margin % compare to FG and BHF?
According to the Insurance industry distribution chart, CNO Financial Group ranks #178 out of 501 companies for FCF Margin %. This puts CNO Financial Group in the upper half of its industry. The industry median FCF Margin % is 9.60. CNO Financial Group's value of 14.45% is 50.5% above this benchmark. Historically, CNO Financial Group's own FCF Margin % has ranged from 7.37 to 19.43 over the past decade. While the company's 10-year median is 14.62 vs. the industry median of 9.60, 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.60, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNO Financial Group's current FCF Margin % of 14.45% is 50.5% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on CNO Financial Group and its competitors. For the Insurance industry, the median FCF Margin % is 9.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNO Financial Group's current FCF Margin % is 14.45%, which is near median its own 10-year median of 14.62. 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 (CNO) is currently considered Modestly Overvalued. The stock's GF Value™ is $40.11, compared to a current price of $51.90 — trading 29.4% above its estimated fair value. The current FCF Margin % is 14.45%, which is near median its 10-year median of 14.62 and 50.5% above the Insurance industry median of 9.60. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For CNO Financial Group (CNO), the current FCF Margin % is 14.45% 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 (CNO) Overvalued in 2026?
Based on GuruFocus' analysis, CNO Financial Group stock appears to be overvalued.
The current stock price of $51.90 is trading 29.4% above its estimated GF Value™ of $40.11.
GuruFocus considers CNO Financial Group to be Modestly Overvalued.
Key valuation signals for CNO:
FCF Margin %: 14.45% (near median its 10-year median of 14.62)
GF Value™: $40.11 vs. price of $51.90 (29.4% above fair value)
Industry Position: 50.5% above the Insurance median (#178 of 501)
No single metric tells the full story. See the CNO 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.
68GF Score
Get the complete analysis for CNO
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CNO has been successfully added to your 
