CNO Financial GroupCNO -0.46%68 Interest Coverage is 1.95 as of Mar. 2026, which is 52% below its 10-year median of 4.03. 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 351 Insurance companies, CNO Financial Group ranks worse than 89.74% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. CNO Financial Group's
EBIT
for the
three
months ended in Mar. 2026 was $99 Mil. CNO Financial Group's Interest Expense for the
three
months ended in Mar. 2026 was $-51 Mil.
CNO Financial Group's interest coverage for the quarter that ended in Mar. 2026 was 1.95.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for CNO Financial Group's Interest Coverage or its related term are showing as below:
CNO'
s Interest Coverage Range Over the Past 10 Years
Min: 2.27 Med: 4.03 Max: 8.68
Current: 2.43
CNO's Interest Coverage is ranked worse than 89.74% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs CNO: 2.43
CNO Financial Group (NYSE:CNO) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
CNO Financial Group Interest Coverage Related Terms
CNO Financial Group Interest Coverage Historical Data
* Premium members only.
The historical data trend for CNO Financial Group's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Insurance - Life subindustry, CNO Financial Group's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, CNO Financial Group's Interest Coverage distribution charts can be found below:
* The bar in red indicates where CNO Financial Group's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 1.95 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on CNO Financial Group and its competitors. This is 52% below median its historical median of 4.03. Over the past decade, CNO Financial Group's Interest Coverage has ranged from 2.27 to 8.68. According to the industry distribution chart, CNO Financial Group ranks #315 out of 351 companies in the Insurance industry, placing it in the top 89.7%.
Is CNO Financial Group's Interest Coverage too high?
CNO Financial Group's current Interest Coverage of 1.95 is 52% below median its 10-year median of 4.03. Over the past 10 years, this metric has ranged from a low of 2.27 to a high of 8.68. The Insurance industry median Interest Coverage is 16.23. CNO Financial Group's value of 1.95 is 88% below this industry median. Based on the distribution chart, CNO Financial Group ranks #315 out of 351 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 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CNO Financial Group's Interest Coverage compare to FG and BHF?
According to the Insurance industry distribution chart, CNO Financial Group ranks #315 out of 351 companies for Interest Coverage. This places CNO Financial Group in the lower half of its industry. The industry median Interest Coverage is 16.23. CNO Financial Group's value of 1.95 is 88% below this benchmark. Historically, CNO Financial Group's own Interest Coverage has ranged from 2.27 to 8.68 over the past decade. While the company's 10-year median is 4.03 vs. the industry median of 16.23, CNO Financial Group has consistently been below 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.23, based on 351 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNO Financial Group's current Interest Coverage of 1.95 is 88% below 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on CNO Financial Group and its competitors. For the Insurance industry, the median Interest Coverage is 16.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNO Financial Group's current Interest Coverage is 1.95, which is 52% below median its own 10-year median of 4.03. 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 Interest Coverage is 1.95, which is 52% below median its 10-year median of 4.03 and 88% below the Insurance industry median of 16.23. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For CNO Financial Group (CNO), the current Interest Coverage is 1.95 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:
Interest Coverage: 1.95 (52% below median its 10-year median of 4.03)
GF Value™: $40.11 vs. price of $51.90 (29.4% above fair value)
Industry Position: 88% below the Insurance median (#315 of 351)
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
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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