CNO Financial Group (FRA:COS) Moat Score: 5/10 (As of Jun. 28, 2026)


FRA:COS CNO Financial Group Inc FRA:COS
68 GF Score
Price €45.20
GF Value €34.51
! 8 Warning Signs
View Full Analysis

What is CNO Financial Group Moat Score?

CNO Financial Group FRA:COS -0.44% 68 Moat Score is 5 as of Jun. 28, 2026. GuruFocus rates FRA:COS with a GF Score™ of 68/100 and a GF Value™ of €34.51. The stock has 8 warning signs investors should review. Among 596 Insurance companies, CNO Financial Group ranks better than 88.76% on this metric.

CNO Financial Group has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

CNO Financial Group has Narrow Moat: CNO Financial Group Inc has a solid narrow moat with strong brand strength and customer loyalty in the insurance sector. It benefits from regulatory barriers and a robust distribution network, but lacks significant innovation or proprietary technology.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes CNO Financial Group might have Narrow Moat - Solid narrow moat.

CNO Financial Group  (FRA:COS) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

CNO Financial Group Moat Score Related Terms

FRA:COS vs FG, BHF, GNW: Moat Score Comparison

For the Insurance - Life subindustry, CNO Financial Group's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, CNO Financial Group's Moat Score distribution charts can be found below:

* The bar in red indicates where CNO Financial Group's Moat Score falls into.


FRA:COS
68GF Score
CNO Financial Group Inc FRA:COS
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
CNO Financial Group (FRA:COS) has a Moat Score of 5 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, CNO Financial Group ranks #67 out of 596 companies in the Insurance industry, placing it in the top 11.2%.
Is CNO Financial Group's Moat Score too high?
CNO Financial Group's current Moat Score is 5. Based on the distribution chart, CNO Financial Group ranks #67 out of 596 companies in the Insurance industry, which is in the top quartile — a strong position 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 Moat Score compare to FG and BHF?
According to the Insurance industry distribution chart, CNO Financial Group ranks #67 out of 596 companies for Moat Score. This places CNO Financial Group in the top 11% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. CNO Financial Group's current Moat Score is 5. 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 Moat Score of 5. The stock's GF Value™ is €34.51, compared to a current price of €45.20 — trading 31% above its estimated fair value. The current Moat Score is 5. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For CNO Financial Group (FRA:COS), the current Moat Score is 5 as of Jun. 28, 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 €45.20 is trading 31% above its estimated GF Value™ of €34.51.

Key valuation signals for FRA:COS:

  • Moat Score: 5
  • GF Value™: €34.51 vs. price of €45.20 (31% 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

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

€45.20
Price
€34.51
GF Value