CNO Financial Group Inc (CNO) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
CNO Financial Group Inc stock (CNO) is currently trading at $40.63. CNO Financial Group Inc PE ratio is 17.28. CNO Financial Group Inc PS ratio (Price-to-Sales) is 0.84. Analyst consensus price target for CNO is $48.00. WallStSmart rates CNO as Hold.
- CNO PE ratio analysis and historical PE chart
- CNO PS ratio (Price-to-Sales) history and trend
- CNO intrinsic value — DCF, Graham Number, EPV models
- CNO stock price prediction 2025 2026 2027 2028 2029 2030
- CNO fair value vs current price
- CNO insider transactions and insider buying
- Is CNO undervalued or overvalued?
- CNO Financial Group Inc financial analysis — revenue, earnings, cash flow
- CNO Piotroski F-Score and Altman Z-Score
- CNO analyst price target and Smart Rating
CNO Financial Group Inc
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CNO Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · CNO Financial Group Inc (CNO)
CNO trades 175% above its Graham fair value of $15.64, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
CNO Financial Group Inc (CNO) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, price/sales, price/book. Concerns around return on equity and revenue growth. Fundamentals are solid but monitor weak areas for improvement.
CNO Financial Group Inc (CNO) Key Strengths (5)
Paying less than $1 for every $1 of annual revenue
96.56% of shares held by major funds and institutions
Good growth relative to its price
Trading at 1.42x book value, attractively priced
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
CNO Financial Group Inc (CNO) Areas to Watch (5)
Earnings declining -45.20%, profits shrinking
Revenue growing slowly at 4.20% annually
Low profitability relative to shareholder equity
Thin operating margins with cost pressures present
Thin profit margins with limited profitability
CNO Financial Group Inc (CNO) Detailed Analysis Report
Overall Assessment
This company scores 56/100 in our Smart Analysis, earning a C grade. Out of 10 metrics analyzed, 5 register as strengths (avg 8.6/10) while 5 fall into concern territory (avg 2.6/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Sales, Institutional Own., PEG Ratio. Valuation metrics including PEG Ratio (1.29), Price/Sales (0.84), Price/Book (1.42) suggest the stock is attractively priced.
The Bear Case
The primary concerns are EPS Growth, Revenue Growth, Return on Equity. Growth concerns include Revenue Growth at 4.20%, EPS Growth at -45.20%, which may limit upside. Profitability pressure is visible in Return on Equity at 8.90%, Operating Margin at 14.80%, Profit Margin at 5.11%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.90% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 4.20% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Price/Sales, Institutional Own.) and negatives (EPS Growth, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CNO Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CNO's Price-to-Sales ratio of 0.84x trades 134% above its historical average of 0.36x (97th percentile), historically expensive. The current valuation is 6% below its historical high of 0.9x set in Mar 2026, and 4120% above its historical low of 0.02x in Mar 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for CNO Financial Group Inc (CNO) · FINANCIAL SERVICES › INSURANCE - LIFE
The Big Picture
CNO Financial Group Inc is in a high-growth phase, prioritizing rapid expansion over margins. Revenue reached 4.5B with 420% growth year-over-year. Profit margins are thin at 5.1%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
Revenue growing at 420% YoY, reaching 4.5B. This pace significantly outperforms most INSURANCE - LIFE peers.
ROE of 890.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Earnings fell 45% YoY while revenue grew 420%. This gap usually reflects one-time items (tax benefits, write-offs) in the prior period, not an operational decline.
What to Watch Next
Margin expansion: can CNO Financial Group Inc push profit margins above 15% as the business scales?
Growth sustainability: can CNO Financial Group Inc maintain 420%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 168.0%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 4.1B is significantly higher than cash (984M). Monitor refinancing risk.
Bottom Line
CNO Financial Group Inc is a high-conviction growth story with revenue accelerating at 420% while profitability is still developing. For growth-oriented investors, the trajectory is compelling. For value investors, the thin 5.1% margins and premium valuation suggest patience until the unit economics mature further.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(59 last 3 months)
| Insider | Type | Shares |
|---|---|---|
KOEHNEMAN, JOEL T. Chief Accounting Officer | Sell | -158 |
| Insider | Type | Shares |
|---|---|---|
GIBSON, LINDA T. Director | Buy | +1,243 |
Data sourced from SEC Form 4 filings
Last updated: 8:24:25 AM
About CNO Financial Group Inc(CNO)
NYSE
FINANCIAL SERVICES
INSURANCE - LIFE
USA
CNO Financial Group, Inc. develops, markets, and manages health insurance, annuities, individual life insurance, and other insurance products for the middle-income and senior markets in the United States. The company is headquartered in Carmel, Indiana.