CNO:NYE-CNO Financial Group, Inc (USD)

COMMON STOCK | Insurance-Life | NYE

Last Closing Price

USD 24.25

Change

-0.10 (-0.41)%

Market Cap

USD 3.27B

Volume

0.77M

Average Target Price

USD 22.33 (-7.90%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

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 operates through Bankers Life, Washington National, Colonial Penn, and Long-Term Care in Run Off segments. The company's Bankers Life segment underwrites, markets, and distributes Medicare supplement insurance, interest-sensitive and traditional life insurance, fixed annuities, and long-term care insurance products; and Medicare advantage and prescription drug plan products through various distribution and marketing agreements. Its Washington National segment underwrites, markets, and distributes supplemental health insurance, including specified disease, accident, and hospital indemnity insurance products; and life insurance at home and the worksite through independent marketing organizations and insurance agencies. The company's Colonial Penn segment primarily markets graded benefit and simplified issue life insurance directly to customers through television advertising, direct mail, the internet, and telemarketing. Its Long-Term Care in Run Off segment engages in the long-term care business. The company sells its products through career agents, independent producers, and direct marketing. CNO Financial Group, Inc. was founded in 1979 and is headquartered in Carmel, Indiana. Address: 11825 North Pennsylvania Street, Carmel, IN, United States, 46032

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-03-02 )

Largest Industry Peers for Insurance-Life

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
LFC China Life Insurance Company L..

-0.14 (-1.32%)

USD123.32B 15.95 N/A
PUK Prudential plc

+0.55 (+1.34%)

USD53.33B 378.89 N/A
MET MetLife, Inc

-0.48 (-0.81%)

USD52.57B 10.46 N/A
MET-PE MetLife, Inc

N/A

USD49.20B 4.12 N/A
MET-PA MetLife, Inc

+0.11 (+0.44%)

USD48.62B 4.41 N/A
MFC Manulife Financial Corporation

+0.01 (+0.05%)

USD40.31B 22.38 N/A
PRU Prudential Financial, Inc

+0.40 (+0.45%)

USD35.18B 8.85 N/A
AFL Aflac Incorporated

-0.08 (-0.16%)

USD33.49B 7.29 N/A
GWLIF Great-West Lifeco Inc

-0.90 (-3.38%)

USD24.97B 13.27 N/A
LNC Lincoln National Corporation

-0.66 (-1.13%)

USD11.17B 22.72 N/A

ETFs Containing CNO

Symbol Name Weight Mer Price(Change) Market Cap
IHYD Invesco Corporate Income .. 0.00 % 0.23 %

N/A

USD0.01B
XMVM Invesco S&P MidCap Value .. 0.00 % 0.39 %

-0.41 (-0.98%)

USD0.09B

Market Performance

  Market Performance vs.
Industry/Classification (Insurance-Life)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 9.09% 47% F 66% D
Dividend Return N/A N/A N/A N/A N/A
Total Return 9.09% 47% F 66% D
Trailing 12 Months  
Capital Gain 49.97% 100% A+ 81% B-
Dividend Return 2.91% 44% F 51% F
Total Return 52.88% 100% A+ 81% B-
Trailing 5 Years  
Capital Gain 32.15% 56% F 53% F
Dividend Return 10.63% 21% F 32% F
Total Return 42.78% 50% F 47% F
Average Annual (5 Year Horizon)  
Capital Gain 1.48% 72% C- 54% F
Dividend Return 2.10% 50% F 52% F
Total Return 3.57% 67% D+ 52% F
Risk Return Profile  
Volatility (Standard Deviation) 23.50% 44% F 33% F
Risk Adjusted Return 15.21% 61% D- 39% F
Market Capitalization 3.27B 33% F 68% D+
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Insurance-Life)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 11.49 61% D- 74% C
Price/Book Ratio 0.59 71% C- 94% A
Price / Cash Flow Ratio 4.44 50% F 66% D
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 5.94% 37% F 52% F
Return on Invested Capital 3.87% 42% F 49% F
Return on Assets 0.82% 74% C 32% F
Debt to Equity Ratio 50.67% 13% F 62% D-
Technical Ratios  
Short Ratio 4.60 24% F 16% F
Short Percent 3.36% 31% F 55% F
Beta 1.42 21% F 29% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector