CNO Financial GroupCNO -0.46%68 Net Margin % is 3.66% as of Mar. 2026, which is 57% below its 10-year median of 8.44. GuruFocus rates CNO with a GF Score™ of 68/100 and a GF Value™ of $40.10 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 501 Insurance companies, CNO Financial Group ranks worse than 68.06% on this metric.
The historical rank and industry rank for CNO Financial Group's Net Margin % or its related term are showing as below:
CNO'
s Net Margin % Range Over the Past 10 Years
Min: -7.3 Med: 8.44 Max: 17.63
Current: 5.44
CNO's Net Margin % is ranked worse than 68.06% of 501
companies
in the Insurance industry
Industry Median: 9.29
vs CNO: 5.44
CNO Financial Group (NYSE:CNO) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
CNO Financial Group Net Margin % Related Terms
CNO Financial Group Net Margin % Historical Data
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The historical data trend for CNO Financial Group's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, CNO Financial Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where CNO Financial Group's Net 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 Net Margin % of 3.66% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on CNO Financial Group and its competitors. This is 57% below median its historical median of 8.44. According to the industry distribution chart, CNO Financial Group ranks #341 out of 501 companies in the Insurance industry, placing it in the top 68.1%.
Is CNO Financial Group's Net Margin % too high?
CNO Financial Group's current Net Margin % of 3.66% is 57% below median its 10-year median of 8.44. The Insurance industry median Net Margin % is 9.29. CNO Financial Group's value of 3.66% is 60.6% below this industry median. Based on the distribution chart, CNO Financial Group ranks #341 out of 501 companies in the Insurance industry, which is below 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 Net Margin % compare to FG and BHF?
According to the Insurance industry distribution chart, CNO Financial Group ranks #341 out of 501 companies for Net Margin %. This places CNO Financial Group in the lower half of its industry. The industry median Net Margin % is 9.29. CNO Financial Group's value of 3.66% is 60.6% below this benchmark. While the company's 10-year median is 8.44 vs. the industry median of 9.29, 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNO Financial Group's current Net Margin % of 3.66% is 60.6% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on CNO Financial Group and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNO Financial Group's current Net Margin % is 3.66%, which is 57% below median its own 10-year median of 8.44. 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 $40.10, compared to a current price of $51.90 — trading 29.4% above its estimated fair value. The current Net Margin % is 3.66%, which is 57% below median its 10-year median of 8.44 and 60.6% below the Insurance industry median of 9.29. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For CNO Financial Group (CNO), the current Net Margin % is 3.66% 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 $40.10.
GuruFocus considers CNO Financial Group to be Modestly Overvalued.
Key valuation signals for CNO:
Net Margin %: 3.66% (57% below median its 10-year median of 8.44)
GF Value™: $40.10 vs. price of $51.90 (29.4% above fair value)
Industry Position: 60.6% below the Insurance median (#341 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
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