CNO Financial Group (FRA:COS) 3-Year RORE % : -16.36% (As of Mar. 2026)


FRA:COS CNO Financial Group Inc FRA:COS
68 GF Score
Price €44.20
GF Value €35.66
! 8 Warning Signs
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What is CNO Financial Group 3-Year RORE %?

CNO Financial Group FRA:COS -2.64% 68 3-Year RORE % is -16.36 as of Mar. 2026. GuruFocus rates FRA:COS with a GF Score™ of 68/100 and a GF Value™ of €35.66. The stock has 8 warning signs investors should review. Among 476 Insurance companies, CNO Financial Group ranks worse than 74.79% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. CNO Financial Group's 3-Year RORE % for the quarter that ended in Mar. 2026 was -16.36%.

The industry rank for CNO Financial Group's 3-Year RORE % or its related term are showing as below:

FRA:COS's 3-Year RORE % is ranked worse than
74.79% of 476 companies
in the Insurance industry
Industry Median: 11.865 vs FRA:COS: -16.36

CNO Financial Group  (FRA:COS) 3-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


CNO Financial Group 3-Year RORE % Related Terms


CNO Financial Group 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for CNO Financial Group's 3-Year RORE % 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.

CNO Financial Group 3-Year RORE % Chart

CNO Financial Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.05 39.61 -7.12 -17.78 -4.06

CNO Financial Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
3-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -12.33 1.55 7.12 -4.06 -16.36

FRA:COS vs BHF, GNW, FG: 3-Year RORE % Comparison

For the Insurance - Life subindustry, CNO Financial Group's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Insurance Industry

For the Insurance industry and Financial Services sector, CNO Financial Group's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where CNO Financial Group's 3-Year RORE % falls into.


FRA:COS
68GF Score
CNO Financial Group Inc FRA:COS
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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CNO Financial Group 3-Year RORE % Calculation

CNO Financial Group's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 2.141-3.181 )/( 8.091-1.733 )
=-1.04/6.358
=-16.36 %

* 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.

In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of -16.36 mean?
CNO Financial Group (FRA:COS) has a 3-Year RORE % of -16.36 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on CNO Financial Group and its competitors. According to the industry distribution chart, CNO Financial Group ranks #356 out of 476 companies in the Insurance industry, placing it in the top 74.8%.
Is CNO Financial Group's 3-Year RORE % too high?
CNO Financial Group's current 3-Year RORE % is -16.36. Based on the distribution chart, CNO Financial Group ranks #356 out of 476 companies in the Insurance industry, which is below the industry midpoint. 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 3-Year RORE % compare to BHF and GNW?
According to the Insurance industry distribution chart, CNO Financial Group ranks #356 out of 476 companies for 3-Year RORE %. This places CNO Financial Group in the lower half of its industry. The industry median 3-Year RORE % is 11.87. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for an Insurance company?
The median 3-Year RORE % among Insurance companies is 11.87, based on 476 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on CNO Financial Group and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNO Financial Group's current 3-Year RORE % is -16.36. 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 3-Year RORE % of -16.36. The stock's GF Value™ is €35.66, compared to a current price of €44.20 — trading 23.9% above its estimated fair value. The current 3-Year RORE % is -16.36. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For CNO Financial Group (FRA:COS), the current 3-Year RORE % is -16.36 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 (FRA:COS) Overvalued in 2026?

Based on GuruFocus' analysis, CNO Financial Group stock appears to be overvalued. The current stock price of €44.20 is trading 23.9% above its estimated GF Value™ of €35.66.

Key valuation signals for FRA:COS:

  • 3-Year RORE %: -16.36
  • GF Value™: €35.66 vs. price of €44.20 (23.9% 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

3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€44.20
Price
€35.66
GF Value