US stock · Financial Services sector · Insurance—Life
C
CNO Financial Group, Inc.
CNO
NYSE22.58
USD
-0.43
(-1.87%)
Market Closed
6.55P/E
7Forward P/E
0.31P/E to S&P500
2.587BMarket CAP
2.43%Div Yield
Upcoming Earnings
31 Jul-4 Aug
Shares Short
5/15/23
3.83k
Short % of Float
- -
Short % of Shares Outs.
- -
% Held by Insiders
1.97%
% Held by Institutions
97.20%
Beta
1.17
PEG Ratio
0.79
52w. high/low
26.35/16.56
Avg. Daily Volume
0.83M
Return %
Stock
S&P 500
1 year
(9.09)
(9.05)
3 years
77.06
50.26
5 years
(6.86)
38.50
Scale: |
High
Low
12.64
1.31
7.04
0.26
7.13
4.18
8.34
4.73
10.18
6.03
17.91
9.34
19.34
15.44
20.88
14.89
20.55
14.30
25.83
18.54
26.47
13.64
19.30
14.01
23.50
8.79
27.89
21.06
26.74
16.56
26.35
21.09
Currency: USD
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
Revenue per share
26.37
22.68
23.05
16.27
16.63
18.58
20.20
19.47
19.69
22.60
25.30
26.07
25.74
26.89
32.60
28.29
Earnings per share
(1.04)
(6.10)
0.45
1.13
1.54
0.95
2.16
0.24
1.40
2.03
1.03
(1.90)
2.62
2.12
3.49
3.14
FCF per share
4.06
5.34
3.42
2.92
3.12
2.72
3.25
0.57
3.85
4.30
3.61
1.92
4.46
5.18
4.73
3.92
Dividends per share
0.11
- -
- -
- -
- -
0.06
0.11
0.24
0.27
0.31
0.35
0.39
0.43
0.47
0.52
0.51
CAPEX per share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per sh.
24.43
8.77
18.75
17.23
20.30
21.61
22.36
22.02
21.44
25.40
28.51
20.37
29.97
38.60
41.60
11.08
Comm.Shares outs.
173
185
188
251
248
234
222
213
193
177
170
165
156
142
126
126
Avg. annual P/E ratio
(16.6)
(1.4)
7.2
4.9
4.4
8.6
6.1
71.6
12.8
8.5
21.2
(10.9)
6.3
7.8
6.9
6.9
P/E to S&P500
(1.0)
(0.1)
0.1
0.2
0.3
0.6
0.4
3.9
0.6
0.4
0.9
(0.4)
0.3
0.2
0.2
0.3
Avg. annual div. yield
0.6%
- -
- -
- -
- -
0.7%
0.8%
1.4%
1.5%
1.8%
1.6%
1.9%
2.6%
2.8%
2.1%
2.4%
Revenue (m)
4,572
4,190
4,341
4,084
4,125
4,343
4,476
4,145
3,801
3,992
4,302
4,314
4,016
3,821
4,122
3,577
Operating margin
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation (m)
483
412
461
465
459
315
325
274
283
275
265
292
268
304
320
310
Net profit (m)
(180)
(1,127)
86
285
383
221
478
51
271
358
176
(315)
409
302
441
397
Income tax rate
(4.0)%
3,358.1%
50.6%
3.0%
(0.9)%
(41.9)%
(56.8)%
70.6%
26.4%
(1.4)%
63.5%
(19.0)%
(49.3)%
12.3%
22.3%
23.3%
Net profit margin
(3.9)%
(26.9)%
2.0%
7.0%
9.3%
5.1%
10.7%
1.2%
7.1%
9.0%
4.1%
(7.3)%
10.2%
7.9%
10.7%
11.1%
Working capital (m)
(28,085)
(25,822)
(25,251)
(26,004)
(27,006)
(27,496)
(25,357)
(22,285)
(22,419)
(22,787)
(23,713)
(23,495)
(24,588)
4,385
- -
3,591
Long-term debt (m)
2,107
2,096
684
2,590
3,054
3,422
3,769
3,600
4,136
4,223
3,972
3,980
3,786
3,931
4,001
3,883
Equity (m)
4,236
1,619
3,532
4,325
5,033
5,049
4,955
4,688
4,139
4,487
4,848
3,371
4,677
5,484
5,260
1,401
ROIC
(1.1)%
677.0%
3.1%
7.4%
8.4%
6.3%
7.4%
0.9%
4.1%
5.5%
2.5%
(1.9)%
7.5%
1.2%
1.4%
1.6%
Return on capital
(0.2)%
(2.1)%
1.0%
1.3%
1.5%
0.8%
1.2%
0.9%
1.5%
1.5%
1.8%
(0.4)%
1.3%
1.3%
1.8%
2.0%
Return on equity
(4.2)%
(69.6)%
2.4%
6.6%
7.6%
4.4%
9.6%
1.1%
6.5%
8.0%
3.6%
(9.3)%
8.8%
5.5%
8.4%
28.3%
Plowback ratio
110.6%
100.0%
100.0%
100.0%
100.0%
93.7%
94.9%
0.8%
80.8%
84.7%
66.1%
120.6%
83.6%
77.8%
85.1%
(Infinity)%
Div.&Repurch./FCF
- -
- -
(46.0)%
- -
8.7%
30.1%
17.7%
346.9%
54.7%
33.3%
35.8%
- -
44.8%
43.0%
75.5%
48.7%
Capital Structure
24 Feb · 2023 | Q4
All numbers in millions
Total liabilities
$ 31,938
Total assets
$ 33,339
Long-term debt
$ 3,883
Cash and equiv.
$ 576
Goodwill
$ - -
Retained earnings
$ 1,459
Common stock
114
Enterprise Value
$ 5,894
Working Capital
Currency: USD, in millions
2020
2021
2022
Cash & Investments
24,376
24,905
20,929
Receivables
4,784
4,473
5,407
Inventory
- -
- -
- -
Other
(23,638)
(30,270)
(20,858)
Current assets
5,521
- -
5,895
Acc. Payable
- -
- -
- -
Debt due
- -
- -
1,139
Other
1,136
- -
1,166
Current liabilities
1,136
- -
2,304
Annual growth rates
(avg. rate of change)
1 year
5 years
10 years
Revenue
(13.23)%
(4.28)%
(2.19)%
Cash flow
(17.20)%
22.24%
50.14%
Earnings
(10.02)%
(55.04)%
(20.09)%
Dividends
(1.37)%
0.02%
14.88%
Book value
(73.37)%
(5.36)%
(5.84)%
Insider Trading
Type
Shares
Date
Zimpfer Matthew J.
Sale
3,308
03/06/23
Goldberg Scott L.
Sale
2,299
03/01/23
Zimpfer Matthew J.
Sale
4,188
02/27/23
Zimpfer Matthew J.
Sale
3,626
02/21/23
Byers Michael B
InKind
595
02/16/23
Quarterly Revenue
Currency: USD, in millions
Year
1Q
2Q
3Q
4Q
Total
2020
717
1,014
1,014
1,076
3,821
2021
1,006
1,073
968
1,075
4,122
2022
843
855
905
974
3,577
Earnings per share
Currency: USD
Year
1Q
2Q
3Q
4Q
Total
2020
(0.15)
0.58
0.91
0.79
2.12
2021
1.17
0.62
0.79
0.92
3.49
2022
0.89
1.08
0.83
0.34
3.14
Quarterly dividends paid
Currency: USD
Year
1Q
2Q
3Q
4Q
Total
2020
0.11
0.12
0.12
0.12
0.47
2021
0.13
0.14
0.13
0.12
0.52
2022
0.13
0.13
0.13
0.13
0.51
Company Description
Sector:
Financial Services
Industry:
Insurance—Life
CEO:
Mr. Gary Chandru Bhojwani
Full-time employees:
3,400
City:
Carmel
Address:
11825 North Pennsylvania Street
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.