CNO Financial Group, Inc. (CNO) Stock: Price, Forecast & Analyst Target
CNO Financial Group, Inc. (CNO) — MoonshotScore 72/100 (Strong band), calculated Oct 5, 2026. Price $53.86 (+1.47%), as of the Oct 2, 2026 trading session; market cap $5.03B. Expected results Nov 2, 2026.
Educational signal · not a buy or sell recommendation · How to read this
Market value / cash and short-term investments: 0.53× (market value Oct 2, 2026; cash Jun 30, 2026) · expected results Nov 2, 2026
CNO Financial Group, Inc. · CNO · NYSE · Financial Services · Insurance - Life
Research dated 2026-09-13: CNO Financial Group sells life insurance, health insurance, and fixed annuities to middle-income and older Americans, distributed through independent agents and group-worksite channels under three recognized brand names. The investment case depends on whether recent improvements in operating earnings prove sustainable or reflect a temporary cycle in claims and interest rates.
Price as of Oct 2, 2026
Key Statistics
MoonshotScore v2 · CNO Financial Group (CNO)
StrongWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
Cheap with the market already moving on it, but a middling balance sheet. Business Quality: Average; Financial Safety: Okay; Valuation: Fair; Growth Durability: Growing; Momentum: Surging.
- quarterly revenue $1.29B (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 7 of 8
- Altman Z -0.23 · Piotroski F 7
Helping: an attractive price, positive momentum
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 74 | Strong | |
| 70 | Strong | |
| 72 | Strong | |
| 72 | Strong | |
| 71 | Strong | |
| 71 | Strong |
The score moved from 70 in the stored Oct 4, 2026 snapshot to 72 in the current publication computed Oct 5, 2026 (+2); the largest pillar moves were Growth Durability +9 and Momentum +1. This current publication is not yet represented in the immutable snapshot archive.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $53.86 | |
| Change on the day | +1.47% | |
| 52-week range | $38.22 – $57.59 | |
| Market capitalisation | $5.03B | |
| Price / earnings (trailing) | 18.13 | |
| Shares traded on the day | 699.3K | |
| Beta (volatility vs the S&P 500) | 0.81 | |
| Dividends per share (last 12 months) | $0.70 | |
| Dividend yield (last 12 months) | 1.30% |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file or a dated event that is not a results report. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings call · management outlook
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
Management outlook
As mentioned earlier, we expect expense dollars for the full year to be consistent with our original guidance.
Paul Harrington McDonough · Statement from
Statement dates identify the earnings call, not a deadline. Management expectations and provider estimates can change.
Read management statementsOther perspectives
Council score for CNO Financial Group (CNO): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
5 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 2, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 28, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 28, 2026, the Munger lens read the price at that time as undervalued against its own estimate of value.
Readings on this page are from Oct 5, 2026, except a card that shows its own read date.
Watch the CNO film — every key number, told as a short cinematic story
~2 min · open the film
What is CNO Financial Group (CNO), and what does it report?
Short answer · as of
The company collects premium payments for insurance and annuity contracts, invests the float in bonds, and pays claims as they occur.
Research dated 2026-09-13.
The company collects premium payments for insurance and annuity contracts, invests the float in bonds, and pays claims as they occur. Revenue from insurance appears as premiums earned, and investment income flows from the bond portfolio held against future liabilities. The business model is capital-intensive: the company must hold large reserves of invested assets to cover policy obligations decades into the future. Earnings reflect the spread between investment returns and claim costs. When bond yields rise or claims fall, earnings improve; when either reverses, earnings compress. The balance sheet is dominated by investments held for liability coverage, not liquid assets available for operations.
What do the latest results show for CNO Financial Group (CNO)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $1.29B.
Research dated 2026-09-13.
The most recent quarter showed a jump in per-share earnings, but the improvement was uneven. The prior quarter had been weak, and the current quarter partly recovered that loss. Operating cash flow remains solid across the trailing period, though profitability remains low on a return-on-assets basis. Management maintained expense guidance despite the earnings volatility, suggesting confidence in the underlying book of business. The gap between current earnings and earlier results reflects variability in claims mix and mortality experience, not operational restructuring.
Where is operating spending going?
Revenue alongside research and development, selling, general and administrative expenses, and the FMP standardized operating result.
- Latest quarter · revenue
- $1.29B Jun 30, 2026
- Latest quarter · FMP standardized operating result
- $159.70M Jun 30, 2026
| Period end | Revenue | R&D | SG&A | FMP standardized operating result |
|---|---|---|---|---|
| Jun 30, 2026 | $1.29B | Not available | Not available | $159.70M |
| Mar 31, 2026 | $1.03B | Not available | Not available | $48.40M |
| Dec 31, 2025 | $1.14B | Not available | Not available | $111.40M |
| Sep 30, 2025 | $1.19B | Not available | Not available | $36.20M |
USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $1.29B Jul 30, 2026
- Latest report · revenue estimate
- $999.45M Jul 30, 2026
- Latest report · revenue vs estimate
- Above estimate Jul 30, 2026
- Latest report · EPS vs estimate
- Above estimate Jul 30, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Jul 30, 2026 | $1.29B | $999.45M | $1.2600 | $0.9720 |
| Apr 30, 2026 | $1.03B | $1.00B | $1.0500 | $0.9100 |
| Feb 5, 2026 | $1.14B | $1.00B | $1.4700 | $1.2000 |
| Nov 3, 2025 | $1.19B | $973.50M | $1.2900 | $0.9160 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $1.29B | $126M | $1.33 (diluted) |
| Q1 FY2026 | $1.03B | $38M | $0.40 (diluted) |
| Q4 FY2025 | $1.14B | $93M | $0.96 (diluted) |
| Q3 FY2025 | $1.19B | $23M | $0.23 (diluted) |
What are the financial strengths and risks for CNO Financial Group (CNO)?
Short answer
Cash and short-term investments were $9.52B at the Jun 30, 2026 balance-sheet date. Operating cash flow was $156.60M for the quarter ended Jun 30, 2026, meaning operations generated cash. These figures do not establish a cash runway.
Research dated 2026-09-13.
The balance sheet shows a compressed debt-to-equity ratio and a quick ratio near zero, both normal for life insurers with large bond portfolios classified as investments rather than liquid cash. The distress screen has moved into negative territory, a signal that would alarm creditors of an industrial company but is less consequential for an insurer meeting reserve requirements. The risk is rising claims on life and health contracts driven by adverse mortality or morbidity, or a sharp decline in bond values if interest rates fall, which would hit both investment income and liability measurements.
How much cash does the business generate or use?
Quarterly operating cash flow shows cash generated or used by operations.
- Latest quarter · operating cash flow
- $156.60M Jun 30, 2026
- Previous quarter · operating cash flow
- $148.80M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $156.60M | Not available |
| Mar 31, 2026 | $148.80M | Not available |
| Dec 31, 2025 | $195.70M | Not available |
| Sep 30, 2025 | $197.80M | Not available |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway.
What should you watch next at CNO Financial Group (CNO)?
Short answer · as of
The next earnings report is expected on Nov 2, 2026.
Research dated 2026-09-13.
The next earnings report will show whether the recent improvement holds. Watch for any commentary on claims experience and mortality trends across the health and life segments. Interest rate movements directly affect the value of the bond portfolio and reinvestment income, so a flattening yield curve would be material to monitor. Insider activity has trended toward selling, which offers no strong signal in a stock with regular equity grants and tax-withheld vesting exercises.
What management is planning
Management expectations, not completed milestones or guarantees. Selected verbatim excerpts; dates follow the transcript provider.
As mentioned earlier, we expect expense dollars for the full year to be consistent with our original guidance.
Paul Harrington McDonough ·
How does CNO Financial Group compare with its peers?
Short answer
CNO Financial Group's score ranks 6th of 9 in the bounded comparison shown, against 8 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-13.
Versus other life insurers, CNO is smaller by premium base but holds a specific market niche serving middle-income Americans through direct-to-consumer and group channels rather than through advisors or brokers serving high-net-worth clients. The dividend yield is modest, reflecting lower historical earnings power. Analyst coverage is sparse—fewer than five firms track the stock—and recent guidance changes have prompted at least one downgrade, suggesting confidence in the near-term outlook has softened. The key distinction is that CNO rebuilt profitability from a steep loss cycle in recent years, so current earnings are compared against a low base.
| Company | Price | Market value | Score |
|---|---|---|---|
| $56.07 Oct 2, 2026 | $4.26B | 95 5-pillar Oct 5, 2026 | |
| $275.42 Oct 2, 2026 | $8.59B | 93 5-pillar Oct 5, 2026 | |
| $93.76 Oct 2, 2026 | $4.08B | 85 5-pillar Oct 5, 2026 | |
| $23.75 Oct 2, 2026 | $4.24B | 79 5-pillar Oct 5, 2026 | |
| $40.15 Oct 2, 2026 | $4.39B | 78 5-pillar Oct 5, 2026 | |
| CNO Financial Group (CNO) — this page | $53.86 | $5.03B | 72 |
| $68.47 Oct 2, 2026 | $3.03B | 63 5-pillar Oct 5, 2026 | |
| $40.30 Oct 2, 2026 | $7.72B | 38 5-pillar Oct 5, 2026 | |
| $9.95 Oct 2, 2026 | $3.54B | 32 5-pillar Oct 5, 2026 | |
| $42.11 Sep 7, 2026 | $7.85B | — Model unavailable |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $48.00 – $70.00
- Consensus target
- $57.67
- Median target
- $55.00
Consensus record · Captured .
Measured against a quoted price of $53.86 (as of Oct 2, 2026).
Insider activity
Form 4 records via FMP · Of the newest 100 records, those within the last 180 days, newest dated Sep 16, 2026
- Transactions
- 42
- Identified insiders
- 14
- Purchases
- 0
- Sales
- 18
- Other transactions
- 24
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 95.4% Period end Jun 30, 2026
- Previous quarter · ownership
- 93.3% Prior to period end Jun 30, 2026
- Reporting holders
- 389 Period end Jun 30, 2026
- Previous quarter · holders
- 364 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Blackrock, INC. | 13,386,295 |
| Vanguard Portfolio Management LLC | 6,735,592 |
| State Street Corp | 4,156,957 |
| Vanguard Capital Management LLC | 4,081,392 |
| Franklin Resources INC | 3,872,719 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about CNO Financial Group (CNO)?
Common Questions About CNO (Financial Services)
Research dated 2026-09-13; the answers below are from that research, and the full attribution is under Sources. The last 3 questions are answered from this page's own dated data, not from the research.
Why does this insurance company have such a low quick ratio and high debt-to-equity?
Life insurers hold vast bond portfolios to cover future claims on policies sold, so balance sheets naturally look leveraged to equity investors. The company's invested assets far exceed liabilities, but those assets are tied to claims obligations and cannot be liquidated freely. The quick ratio excludes the investment portfolio, so it understates financial flexibility.
What is the difference between Bankers Life, Washington National, and Colonial Penn?
All are subsidiary brands under CNO, each reaching different customer segments and distribution channels. The company reports revenue as a single Insurance Product Lines segment, so the separate brand performance is not disclosed in investor filings. Each brand has its own agent force and customer retention strategies, but revenue and earnings are consolidated.
Have insiders been buying or selling the stock in recent months?
Insiders have been net sellers over the past half-year, driven by equity awards and options vesting. The selling appears routine—tied to compensation structures and tax withholding rather than strategic judgment about valuation. No insider purchases are recorded in the period.
How dependent is earnings on the interest rate environment?
Interest rates directly affect both investment income from the bond portfolio and the accounting value of existing liabilities. Higher rates increase reinvestment income but can reduce the present value of future claims if measured by market discount rates. The company does not break out sensitivity to rate changes in disclosed tables, so the magnitude is not transparent from filings alone.
What is the CNO stock price today?
The last price recorded on this page for CNO Financial Group, Inc. (CNO) is $53.86, as of the Oct 2, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the CNO price target?
The analyst consensus price target for CNO Financial Group, Inc. (CNO) is $57.67 (range $48.00 to $70.00, median $55.00), per FMP data captured Oct 5, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
Does CNO pay a dividend?
Yes. CNO Financial Group, Inc. (CNO) shows a trailing 12-month dividend yield of 1.30%, as of Oct 2, 2026, in the data on this page. Payout ratio and cash-flow coverage decide whether it can last, and past dividends do not guarantee future payments.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Claude (claude-haiku-4-5) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (73 figures)
The 73 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 2 facts from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
prod.outlook | Management outlook — call excerpts | Paul Harrington McDonough (Jul 31, 2026): As mentioned earlier, we expect expense dollars for the full year to be consistent with our original guidance. | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) — Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | |
id.hq | SEC filing business address | 11299 Illinois Street, Suite 200, Carmel, IN, 46032 | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "11299 Illinois Street, Carmel, IN, 46032, US". |
FMP — 61 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.next | Next earnings date | Nov 2, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.last | Latest provided price | $53.86 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-04T20:54:52.793Z. | |
px.change | Change on the day | +1.47% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $5.03B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-02. FMP quote timestamp: 2026-10-02T20:00:03.000Z. Captured from FMP at 2026-10-04T20:54:51.777Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | +$0.78 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $1.29B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.pe | Price / earnings (trailing) | 18.13 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 699.3K | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 0.81 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Gary C. Bhojwani | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 3,300 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $4.12B, net result $570.30M; FY2022 revenue $3.58B, net result $630.60M; FY2023 revenue $4.15B, net result $276.50M; FY2024 revenue $4.45B, net result $404.00M; FY2025 revenue $4.49B, net result $229.30M | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.rev_mix | Reported revenue segments | Insurance Product Lines Segment $1.96B | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K | |
fin.gross_margin | Gross margin (trailing twelve months) | 38.7% | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $1.29B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.operating_result_k | FMP standardized operating result — period end 2026-06-30 | $159.70M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $1.03B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.operating_result_k | FMP standardized operating result — period end 2026-03-31 | $48.40M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $1.14B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.operating_result_k | FMP standardized operating result — period end 2025-12-31 | $111.40M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $1.19B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.operating_result_k | FMP standardized operating result — period end 2025-09-30 | $36.20M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-07-30.revenue_actual | Revenue · reported — report date 2026-07-30 | $1.29B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-30.revenue_estimated | Revenue · estimate — report date 2026-07-30 | $999.45M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-30.eps_actual | EPS · reported — report date 2026-07-30 | $1.2600 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-30.eps_estimated | EPS · estimate — report date 2026-07-30 | $0.9720 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-30.revenue_actual | Revenue · reported — report date 2026-04-30 | $1.03B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-30.revenue_estimated | Revenue · estimate — report date 2026-04-30 | $1.00B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-30.eps_actual | EPS · reported — report date 2026-04-30 | $1.0500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-30.eps_estimated | EPS · estimate — report date 2026-04-30 | $0.9100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-05.revenue_actual | Revenue · reported — report date 2026-02-05 | $1.14B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-05.revenue_estimated | Revenue · estimate — report date 2026-02-05 | $1.00B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-05.eps_actual | EPS · reported — report date 2026-02-05 | $1.4700 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-05.eps_estimated | EPS · estimate — report date 2026-02-05 | $1.2000 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-03.revenue_actual | Revenue · reported — report date 2025-11-03 | $1.19B | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-03.revenue_estimated | Revenue · estimate — report date 2025-11-03 | $973.50M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-03.eps_actual | EPS · reported — report date 2025-11-03 | $1.2900 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-11-03.eps_estimated | EPS · estimate — report date 2025-11-03 | $0.9160 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.cash_investments | Cash and short-term investments | $9.52B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. | |
fin.opcf_latest | Latest-quarter operating cash flow | $156.60M | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Period end: 2026-06-30. Negative operating cash flow means cash used. This figure is not a cash-runway estimate. | |
fin.long_term_investments | Long-term investments (classification unverified) | $22.52B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.total_debt | Total debt | $4.55B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.price_to_book | Price to book value | 1.93× | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $156.60M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $148.80M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $195.70M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $197.80M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $48.00 – $70.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $57.67 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $55.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 5, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 42 transactions · 0 purchases, 18 sales, 24 other transactions · 14 identified insiders · of the newest 100 records, those within the last 180 days, newest dated Sep 16, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 95.4% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 93.3% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 389 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 364 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Blackrock, INC. — shares in provider snapshot | 13,386,295 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Vanguard Portfolio Management LLC — shares in provider snapshot | 6,735,592 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | State Street Corp — shares in provider snapshot | 4,156,957 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Vanguard Capital Management LLC — shares in provider snapshot | 4,081,392 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Franklin Resources INC — shares in provider snapshot | 3,872,719 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 3 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 7 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-04 | |
fin.scores | Distress and quality screens | Altman Z -0.23 · Piotroski F 7 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-04 · Expired observation | |
px.range52 | 52-week range | $38.22 – $57.59 | UNRECORDED | Stored company-profile observation — Captured 2026-10-04 |
COMPUTED — 5 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
fin.mcap_to_cash | Market value per dollar of cash and short-term investments | 0.53× | — | COMPUTED | Computed on this page from the figures above — The market capitalisation printed on this page divided by cash and short-term investments of $9.52B at Jun 30, 2026. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. Market cap record date: 2026-10-02. Balance-sheet reference date: 2026-06-30. The inputs do not establish a single common source date for this ratio. |
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $0.70 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 4 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-05, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 1.30% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-07-30.revenue_actual.comparison | Latest report · revenue vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($1.29B) with the recorded estimate ($999.45M) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-07-30.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($1.2600) with the recorded estimate ($0.9720) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 72 of 100 · Strong · pillars 55 / 50 / 72 / 63 / 94 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 70 (stored snapshot Oct 4, 2026) → 72 (current publication computed Oct 5, 2026) (+2) | OURS | Stock Expert AI current score publication and immutable score snapshots — The current score publication is not yet represented in the immutable snapshot archive. |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.operating_result_k,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.operating_result_k,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.operating_result_k,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.operating_result_k. - Earnings-history note. Source series as of 2026-07-30. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-07-30.revenue_actual,earn.history.depth.2026-07-30.revenue_estimated,earn.history.depth.2026-07-30.revenue_actual.comparison,earn.history.depth.2026-07-30.eps_actual.comparison,earn.history.depth.2026-07-30.eps_actual,earn.history.depth.2026-07-30.eps_estimated,earn.history.depth.2026-04-30.revenue_actual,earn.history.depth.2026-04-30.revenue_estimated,earn.history.depth.2026-04-30.eps_actual,earn.history.depth.2026-04-30.eps_estimated,earn.history.depth.2026-02-05.revenue_actual,earn.history.depth.2026-02-05.revenue_estimated,earn.history.depth.2026-02-05.eps_actual,earn.history.depth.2026-02-05.eps_estimated,earn.history.depth.2025-11-03.revenue_actual,earn.history.depth.2025-11-03.revenue_estimated,earn.history.depth.2025-11-03.eps_actual,earn.history.depth.2025-11-03.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m.
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- sedat@stockexpertai.com
Sources used for research written 2026-09-13
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | Headquartered in Carmel, Indiana, and established in 1979, CNO Financial Group, Inc. operates across the United States, developing, marketing, and administering a broad spectrum of insurance and annuity products primarily for middle-income and senior individuals. The company's health insurance offerings span Medicare supplement plans, various supplemental health coverage (such as specified disease, accident, and hospital indemnity products), long-term care policies, and Medicare Advantage plans. CNO also underwrites a full suite of life insurance products, encompassing universal life, interest-sensitive options, and traditional policies like whole life, graded benefit life, term life, and single premium whole life. For wealth accumulation and retirement income, CNO provides an array of annuities, including fixed index, fixed interest (single and flexible premium deferred), and single premium immediate annuities, often catering to retirees and older self-employed individuals within the middle-income demographic. CNO employs a multi-channel approach to reach its diverse clientele. Individual customers can access products directly through phone, online platforms, mail, or face-to-face interactions. Additionally, the firm cultivates relationships with businesses, associations, and other membership groups, facilitating worksite and group sales by engaging with potential clients at their workplaces. These offerings are distributed through a robust network of agents, independent producers, and direct marketing efforts, promoted under the well-recognized brand names of Bankers Life, Washington National, and Colonial Penn. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Sector / industry (provider taxonomy) | Financial Services / Insurance - Life The company's SEC filings classify it under SIC 6321 — Accident & Health Insurance. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Trailing twelve-month ratio set | Quick ratio: 0.07; Current ratio: 0.07; Debt to equity: 1.76; Net margin: 6%; Gross margin: 43.4%; Operating margin: 7.7%; Return on assets: 0.7%; Return on equity: 10.8% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Cash, investments and debt | Total debt: $4.55B; Liquidity basis: cash and short-term investments; Total liabilities: $37.27B; Cash and short-term investments: $9.52B; Cash and investments: $32.03B; Long-term investments: $22.52B; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Management outlook — dated call excerpts | Captured record · 1 entry
Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | 2026-07-31 | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) |
| Distress and quality screens | Altman Z-score: -0.22; Piotroski F-score: 7 Altman Z below 1.8 is the conventional distress zone. The screen is built for manufacturers and industrials; for banks, insurers and property companies it is not a meaningful reading. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) financial scores |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-30 | FMP | Financial Modeling Prep (FMP) earnings |
| Next earnings report | Date: 2026-11-02; EPS estimate: $1.09 per share; Revenue estimate: $1.01B The date is our provider's estimate until the company confirms it. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Insider transactions, last 180 days | Net shares: -248,395; Window days: 180; Price low: $15.83; Clustered days: 2026-03-25; 2026-05-12; Price high: $55.12; Buy transactions: 0; Distinct insiders: 20; Sell transactions: 17; Other transactions: 35; Total transactions: 52; Other transaction types: G-Gift: 1, A-Award: 8, F-InKind: 13, M-Exempt: 13; Unknown direction transactions: 0 Purchase and sale counts require explicit provider transaction types, without a conflicting acquisition/disposition direction. Other transactions retain their provider type; awards, exercises, gifts and in-kind transactions are not counted as purchases or sales. Net shares sums acquired minus disposed shares across direction-known records, including other transaction types; unknown directions are excluded. It is not net purchases or a verified change in beneficial ownership. Named-insider counts, same-day clusters and positive reported prices cover all retained records. Filing dates are used only when transaction dates are absent. Neither timing nor price establishes motive or whether a transaction was on the open market. | 2026-09-02 | FMP | Financial Modeling Prep (FMP) insider transactions, from Form 4 filings |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Dividend yield, last 12 months | 1.27% Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | 2026-09-11 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote |
| Analyst actions, most recent per firm | Captured record · 10 entries
One row per firm — the firm's most recent action in our feed. Other data vendors may carry firms ours does not. | 2026-08-03 | FMP | Financial Modeling Prep (FMP) analyst grades |
| Revenue by segment | Insurance Product Lines Segment: $1.96B | 2025-12-31 | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K |
| Most recent periodic reports | 2026-08-06 | OFFICIAL | SEC EDGAR filer submissions | |
| Named officers | CEO: Gary C. Bhojwani; Officers: Gary Chandru Bhojwani — Title: Chief Executive Officer & Director, Pay: $3.52M, Born: 1968; Joel Thomas Koehneman — Title: Senior Vice President & Chief Accounting Officer, Pay: $575,889, Born: 1986; Jeanne L. Linnenbringer — Title: Chief Operations Officer, Born: 1963; Michael E. Mead — Title: Chief Information Officer, Born: 1967; Adam Auvil — Title: Vice President of Investor Relations & Sustainability; Doug Williams — Title: Vice President of Finance & Administration; Eric Ronald Johnson — Title: Chief Investment Officer, Pay: $1.54M, Born: 1960; Paul Harrington McDonough — Title: Chief Financial Officer & Executive Vice President, Pay: $1.85M, Born: 1965 Titles and pay come from the company's proxy statement as our provider parsed it. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) |
| Recent SEC filings |
| 2026-09-01 | OFFICIAL | SEC EDGAR filer submissions |
Data provided for informational purposes only.