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Stocks · Financials · Accident & Health Insurance

CNO Financial Group, Inc.

CNO Clue Score41
United States Fiscal year ends December CIK 0001224608
$52.99 -1.05% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $52.99 +104.75% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2016Revenue3.99Net income0.36EPS, diluted2.01Fiscal year 2017Revenue4.30 +7.8%Operating income0.45Net income0.18 −51.0%EPS, diluted1.02 −49.3%Fiscal year 2018Revenue4.31 +0.4%Operating income0.38Net income−0.32 −279.4%EPS, diluted−1.90 −286.3%Fiscal year 2019Revenue4.02 −6.9%Operating income0.37Net income0.41EPS, diluted2.61Fiscal year 2020Revenue3.82 −4.8%Operating income0.46Net income0.30 −26.3%EPS, diluted2.11 −19.2%Fiscal year 2021Revenue4.12 +7.9%Operating income0.51Net income0.57 +89.0%EPS, diluted4.35 +106.2%Fiscal year 2022Revenue3.58 −13.2%Operating income0.47Net income0.63 +10.6%EPS, diluted5.36 +23.2%Fiscal year 2023Revenue4.15 +15.9%Operating income0.46Net income0.28 −56.2%EPS, diluted2.40 −55.2%Fiscal year 2024Revenue4.45 +7.3%Operating income0.55Net income0.42 +52.2%EPS, diluted3.89 +62.1%Fiscal year 2025Revenue4.49 +0.9%Operating income0.55Net income0.23 −45.5%EPS, diluted2.30 −40.9%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 3.99 4.30 4.31 4.02 3.82 4.12 3.58 4.15 4.45 4.49
Growth +7.8% +0.4% −6.9% −4.8% +7.9% −13.2% +15.9% +7.3% +0.9%
Operating income n/a 0.45 0.38 0.37 0.46 0.51 0.47 0.46 0.55 0.55
Net income 0.36 0.18 −0.32 0.41 0.30 0.57 0.63 0.28 0.42 0.23
Growth −51.0% −279.4% −26.3% +89.0% +10.6% −56.2% +52.2% −45.5%
EPS, diluted 2.01 1.02 −1.90 2.61 2.11 4.35 5.36 2.40 3.89 2.30
Growth −49.3% −286.3% −19.2% +106.2% +23.2% −55.2% +62.1% −40.9%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Operating marginNet margin
Fiscal year 2016Net margin9.0%Fiscal year 2017Operating margin10.6%Net margin4.1%Fiscal year 2018Operating margin8.8%Net margin−7.3%Fiscal year 2019Operating margin9.2%Net margin10.2%Fiscal year 2020Operating margin12.1%Net margin7.9%Fiscal year 2021Operating margin12.5%Net margin13.8%Fiscal year 2022Operating margin13.0%Net margin17.6%Fiscal year 2023Operating margin11.1%Net margin6.7%Fiscal year 2024Operating margin12.4%Net margin9.5%Fiscal year 2025Operating margin12.3%Net margin5.1%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating margin n/a 10.6% 8.8% 9.2% 12.1% 12.5% 13.0% 11.1% 12.4% 12.3%
Net margin 9.0% 4.1% −7.3% 10.2% 7.9% 13.8% 17.6% 6.7% 9.5% 5.1%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flow
Fiscal year 2016Operating cash flow0.78Buybacks−0.21Dividends paid−0.05Fiscal year 2017Operating cash flow0.63Buybacks−0.17Dividends paid−0.06Fiscal year 2018Operating cash flow0.32Buybacks−0.11Dividends paid−0.06Fiscal year 2019Operating cash flow0.70Buybacks−0.25Dividends paid−0.07Fiscal year 2020Operating cash flow0.74Buybacks−0.27Dividends paid−0.07Fiscal year 2021Operating cash flow0.60Buybacks−0.41Dividends paid−0.07Fiscal year 2022Operating cash flow0.50Buybacks−0.19Dividends paid−0.06Fiscal year 2023Operating cash flow0.58Buybacks−0.17Dividends paid−0.07Fiscal year 2024Operating cash flow0.63Buybacks−0.30Dividends paid−0.07Fiscal year 2025Operating cash flow0.68Buybacks−0.33Dividends paid−0.07
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.78 0.63 0.32 0.70 0.74 0.60 0.50 0.58 0.63 0.68
Buybacks −0.21 −0.17 −0.11 −0.25 −0.27 −0.41 −0.19 −0.17 −0.30 −0.33
Dividends paid −0.05 −0.06 −0.06 −0.07 −0.07 −0.07 −0.06 −0.07 −0.07 −0.07

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash0.67Total debt0.91Net cash (debt)−0.24Shareholders’ equity4.49Debt to equity0.20Fiscal year 2017Cash0.76Total debt0.91Net cash (debt)−0.16Shareholders’ equity4.85Debt to equity0.19Fiscal year 2018Cash0.66Total debt0.92Net cash (debt)−0.26Shareholders’ equity3.37Debt to equity0.27Fiscal year 2019Cash0.65Shareholders’ equity4.68Fiscal year 2020Cash0.99Shareholders’ equity5.48Fiscal year 2021Cash0.73Shareholders’ equity3.68Fiscal year 2022Cash0.64Shareholders’ equity1.77Fiscal year 2023Cash0.89Shareholders’ equity2.22Fiscal year 2024Cash2.00Shareholders’ equity2.52Fiscal year 2025Cash0.98Shareholders’ equity2.64
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 0.67 0.76 0.66 0.65 0.99 0.73 0.64 0.89 2.00 0.98
Total debt 0.91 0.91 0.92 n/a n/a n/a n/a n/a n/a n/a
Net cash (debt) −0.24 −0.16 −0.26 n/a n/a n/a n/a n/a n/a n/a
Shareholders’ equity 4.49 4.85 3.37 4.68 5.48 3.68 1.77 2.22 2.52 2.64
Debt to equity 0.20 0.19 0.27 n/a n/a n/a n/a n/a n/a n/a

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Income statement

In billions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Revenue and profit
3.99 4.30 4.31 4.02 3.82 4.12 3.58 4.15 4.45 4.49
Growth +7.8% +0.4% −6.9% −4.8% +7.9% −13.2% +15.9% +7.3% +0.9%
n/a 0.45 0.38 0.37 0.46 0.51 0.47 0.46 0.55 0.55
Growth −16.2% −3.4% +25.9% +11.0% −9.3% −1.5% +19.9% +0.4%
0.35 0.48 −0.26 0.27 0.34 0.73 0.82 0.36 0.54 0.29
−0.01 0.30 0.05 −0.14 0.04 0.16 0.19 0.08 0.12 0.06
0.36 0.18 −0.32 0.41 0.30 0.57 0.63 0.28 0.42 0.23
Growth −51.0% −279.4% −26.3% +89.0% +10.6% −56.2% +52.2% −45.5%
Per share
2.03 1.03 −1.90 2.62 2.12 4.44 5.45 2.44 3.96 2.35
2.01 1.02 −1.90 2.61 2.11 4.35 5.36 2.40 3.89 2.30
Growth −49.3% −286.3% −19.2% +106.2% +23.2% −55.2% +62.1% −40.9%
176.6 170.0 165.5 156.0 142.1 128.4 115.7 113.3 106.1 97.8
178.3 172.1 165.5 157.1 143.2 131.1 117.7 115.1 108.1 99.8
Growth −3.5% −3.9% −5.0% −8.9% −8.4% −10.2% −2.2% −6.1% −7.7%

Five years in brief

Worked out from the figures above, not from a press release
  • Revenue grew 3.3% a year over five years, and earnings per share grew 1.7% a year.
  • The diluted share count fell 30.3% in five years, so buybacks did some of the work per share.
  • Operating margin is flat at 12.3%.
  • A net loss in 1 of 10 years on file.