US · CNO
CNO Financial Group, Inc.
- Sector
- Financial Services · Insurance - Life
- Headquarters
- Carmel, IN 46032
- Website
- cnoinc.com
Price · as of 2025-12-31
$44.63
Market cap 3.99B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $48.77 | +9.28% |
| Intrinsic Value(DCF) | $17.41 | -60.99% |
| Graham-Dodd Method(GD) | $38.66 | -13.38% |
| Graham Formula(GF) | $21.31 | -52.25% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $5.87 | $28.95 | $16.79 | $27.07 | $12.30 |
| 2012 | $8.81 | $19.22 | $90.10 | $25.44 | $12.39 |
| 2013 | $14.80 | $49.85 | $181.19 | $31.49 | $23.72 |
| 2014 | $13.62 | $37.41 | $160.04 | $19.63 | $0.25 |
| 2015 | $14.80 | $47.89 | $155.77 | $24.41 | $0.13 |
| 2016 | $16.65 | $57.72 | $179.29 | $30.89 | $26.19 |
| 2017 | $18.82 | $50.55 | $206.54 | $28.42 | $16.10 |
| 2018 | $13.92 | $38.44 | $192.70 | $4.98 | $0.00 |
| 2019 | $13.60 | $16.63 | $131.89 | $36.64 | $3.76 |
| 2020 | $23.39 | $26.27 | $95.14 | $42.14 | $7.52 |
| 2021 | $21.32 | $59.47 | $39.46 | $55.50 | $69.25 |
| 2022 | $21.41 | $37.70 | $0.00 | $33.57 | $0.00 |
| 2023 | $25.78 | $37.40 | $86.89 | $22.75 | $57.20 |
| 2024 | $38.95 | $26.32 | $20.25 | $33.00 | $57.16 |
| 2025 | $42.52 | $48.77 | $1.16 | $38.66 | $21.31 |
AI valuation
Our deep-learning model estimates CNO Financial Group, Inc.'s (CNO) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $48.77
- Current price
- $44.63
- AI upside
- +9.28%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$17.41
-60.99% upside
Graham-Dodd
$38.66
-13.38% upside
Graham Formula
$21.31
-52.25% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CNO | CNO Financial Group, Inc. | $44.63 | 3.99B | +9% | -61% | -13% | -52% | 18.13 | 1.58 | 0.93 | 13.78 | — | 1.58 | 44.79% | 6.54% | 5.11% | 8.93% | 14.01% | 0.60% | 1.54 | 1.27 | — | — | 5.85 | -3717.00% | 94.00% | 765.00% | 16.25% | — | 41.28% | 0.00% | 0.00% | 0.00% | 24.63 | 10.69 | 1.61 | 0.33 |
| AGO | Assured Guaranty Ltd. | $86.21 | 3.98B | +75% | +11% | — | -40% | 8.50 | 0.76 | 5.43 | -1.03 | 17.65 | 0.76 | 92.89% | 84.01% | 63.83% | 9.02% | 20.34% | 4.18% | 0.30 | 7.44 | — | — | 1.75 | 4818.00% | -319.00% | 152979.00% | 17.91% | — | 28.69% | 17.89% | 152.10% | 35.71% | -1.17 | -1.01 | -0.99 | 2.14 |
| BHF | Brighthouse Financial, In… | $59.98 | 3.43B | +104% | -60% | +116% | +512% | 7.91 | 0.51 | 0.55 | 1.91 | 31.91 | 0.51 | 70.94% | 7.63% | 6.97% | 7.38% | 11.52% | 0.18% | 0.47 | 3.12 | — | — | -3.57 | 2478.00% | 4216.00% | -6483.00% | -2.98% | — | -2.68% | 2.98% | 23.60% | 15.94% | 2.52 | -11.69 | 0.19 | 0.07 |
| CADE | Cadence Bank | $42.11 | 7.85B | -28% | +264% | -49% | +166% | 10.26 | 0.96 | 1.85 | -4.12 | — | 1.30 | 59.29% | 23.29% | 18.03% | 9.75% | -16.97% | 1.09% | 0.01 | 0.61 | 0.22 | 0.22 | -1.93 | -514.00% | 3237.00% | 6693.00% | 14.45% | 0.02 | -25.17% | 3.58% | 36.70% | 38.75% | -5.35 | -4.66 | -1.25 | -0.53 |
| FG | F&G Annuities & Life, Inc… | $22.65 | 3.07B | +56% | +275% | -36% | +22% | 10.84 | 0.61 | 0.51 | 3.20 | — | -0.80 | 30.85% | 5.64% | 4.62% | 6.19% | -1.47% | 0.30% | 0.47 | 1.97 | — | — | 0.65 | -6148.00% | 572.00% | -2191.00% | 158.87% | — | -25.29% | 4.66% | 50.60% | 5.01% | 11.42 | 0.79 | 0.64 | 0.14 |
| FHI | Federated Hermes, Inc. | $56.01 | 4.34B | +119% | +54% | -24% | +73% | 10.61 | 3.57 | 2.38 | 7.59 | 18.03 | 320.82 | 75.88% | 28.54% | 22.40% | 35.19% | 44.75% | 18.70% | 0.29 | — | 2.31 | 2.31 | -0.73 | 5882.00% | 1033.00% | -1319.00% | 6.95% | 0.95 | 34.23% | 0.00% | 0.00% | 7.79% | 7.59 | 13.12 | 2.17 | 4.45 |
| GBDC | Golub Capital BDC, Inc. | $11.99 | 3.16B | +157% | -54% | -89% | +502% | 9.80 | 0.93 | 5.36 | 22.81 | 222.17 | 0.93 | 59.24% | 54.56% | 54.71% | 9.42% | 4.33% | 4.26% | 1.23 | 1.34 | 5.35 | 2.40 | 12.98 | 441.00% | 4472.00% | -13303.00% | -3.08% | -2.97 | -1.31% | 9.97% | 97.80% | 12.08% | 22.81 | -75.43 | 12.45 | 0.67 |
| GNW | Genworth Financial, Inc. | $8.44 | 3.37B | +127% | -59% | +194% | +3% | 9.99 | 0.40 | 0.48 | 5.53 | — | 0.40 | 21.18% | 4.78% | 4.78% | 4.06% | 5.35% | 0.73% | 0.17 | 3.32 | — | — | -0.97 | -2059.00% | 221.00% | 27159.00% | 9.35% | — | 6.22% | 0.66% | 6.60% | 7.72% | 8.52 | 9.09 | 0.41 | 1.24 |
| SFBS | ServisFirst Bancshares, I… | $81.01 | 4.43B | -59% | +23% | -27% | -24% | 16.12 | 2.41 | 4.38 | 14.03 | 74.51 | 2.43 | 51.79% | 33.62% | 27.18% | 15.96% | 18.15% | 1.58% | 0.81 | 0.75 | 0.28 | 0.28 | 4.12 | 2163.00% | 413.00% | 4307.00% | 7.97% | 0.09 | 23.30% | 0.00% | 0.00% | 0.00% | 14.03 | 13.52 | 4.72 | 0.21 |
| TCBI | Texas Capital Bancshares,… | $95.30 | 4.35B | -29% | +12% | +17% | +63% | 13.14 | 1.20 | 2.17 | -2.77 | 3.05 | 1.20 | 60.62% | 22.20% | 16.52% | 9.44% | -136.18% | 1.06% | 0.26 | 0.60 | 0.16 | 0.28 | -1.97 | 43125.00% | 1354.00% | -1650.00% | 8.01% | 0.01 | -139.78% | 0.40% | 5.20% | 4.68% | -3.00 | -3.83 | -0.67 | -0.52 |
About CNO Financial Group, Inc.
CNO Financial Group, Inc., through its subsidiaries, develops, markets, and administers health insurance, annuity, individual life insurance, and other insurance products for senior and middle-income markets in the United States. It offers Medicare supplement, supplemental health, and long-term care insurance policies; life insurance; and annuities, as well as Medicare advantage plans to individuals through phone, online, mail, and face-to-face. The company also focuses on worksite and group sales for businesses, associations, and other membership groups by interacting with customers at their place of employment. In addition, it provides fixed index annuities; fixed interest annuities, including fixed rate single and flexible premium deferred annuities; single premium immediate annuities; supplemental health products, such as specified disease, accident, and hospital indemnity products; and long-term care plans primarily to retirees and older self-employed individuals in the middle-income market. Further, the company offers universal life and other interest-sensitive life products; and traditional life policies that include whole life, graded benefit life, term life, and single premium whole life products, as well as graded benefit life insurance products. CNO Financial Group, Inc. markets its products under the Bankers Life, Washington National, and Colonial Penn brand names. The company sells its products through agents, independent producers, and direct marketing. CNO Financial Group, Inc. was founded in 1979 and is headquartered in Carmel, Indiana.
- CEO
- Gary Chandru Bhojwani
- Employees
- 3.4K
- Beta
- 0.84
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($17.41 ÷ $44.63) − 1 = -60.99% (DCF, example).