NYSE
CNO
Last Price
US $52.19
KEY FIGURES
MKT CAP
$4.9B
EPS
TTM
$2.61
PEG
TTM
N/M
P/E
TTM
20.00x
P/S
TTM
1.09x
YIELD
1.32%
GROWTH
Revenue Y/Y
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
CNO Financial Group, Inc. cash flow to debt ratio of 16.68% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial stability - Healthy cash flow growth.
CNO Financial Group, Inc.'s free cash flow has increased 7.65% from $627.70M last year to $675.70M, signaling increasing performance
Financial risk - Healthy debt to equity ratio.
CNO Financial Group, Inc.'s debt to equity ratio is 1.72, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy
Financial stability - Healthy debt to equity ratio development.
CNO Financial Group, Inc.'s debt has decreased relative to shareholder equity from 1.80 last year to 1.72 today, signaling strengthened financials
Financial risk - Net debt/EBITDA.
CNO Financial Group, Inc. has a net debt to EBITDA ratio of 3.67x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk
Financial risk - ICR.
CNO Financial Group, Inc.'s interest coverage ratio is 1.43, which means that the company struggles to meet interest obligations, signaling financial risk.
Financial risk - Profit margin growth.
CNO Financial Group, Inc.'s profit margin has decreased (-40.14%) in the last year from 9.09% to 5.44%, signaling decreasing performance
Financial risk - Short term assets vs short term liabilities.
CNO Financial Group, Inc.'s short-term liabilities of $19.14G exceed its short-term assets of $13.58G, signaling financial risk
Decreasing performance - ROA.
CNO Financial Group, Inc.'s return on assets of 0.63% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
CNO Financial Group, Inc.'s return on equity of 9.56%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
CNO Financial Group, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
CNO Financial Group, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
CNO Financial Group, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
CNO Financial Group, Inc. has a free cash flow yield of 13.87%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Decreasing performance - Healthy earnings growth.
CNO Financial Group, Inc.'s yearly earnings has decreased -43.24% since last year from $404.00M to $229.30M, signaling decreasing performance
Increasing performance - Healthy revenue growth.
CNO Financial Group, Inc.'s yearly revenue has increased 0.94% since last year from $4.45G to $4.49G, signaling increasing performance
Decreasing performance - ROIC.
ROIC 1.24% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
CNO Financial Group, Inc.'s 3-year revenue CAGR of 7.85% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
CNO Financial Group, Inc. had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
CNO Financial Group, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
CNO Financial Group, Inc. is overvalued relative to its fair value price of 45.21 based on Discounted Cash Flow model
Undervalued - Earnings yield.
CNO Financial Group, Inc. has an earnings yield of 5.00%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
CNO Financial Group, Inc. is overvalued relative to its fair value price of 6.10 based on EBITDA multiple model
Undervalued - EV/EBITDA.
CNO Financial Group, Inc. has an EV/EBITDA ratio of 9.45x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Overvalued - PEG ratio value.
CNO Financial Group, Inc. has no meaningful EPS growth rate; PEG ratio cannot be computed.
Undervalued - P/B ratio.
CNO Financial Group, Inc. has a price-to-book ratio of 1.97x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
CNO Financial Group, Inc. has a price-to-sales ratio of 1.09x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
9.56%
Return on equity
ROIC: 1.24%
Valuation History
20.5X
Price to Earnings
EV/EBITDA: 9.3X
Cash flow
Profit margin
3.27%
(FY vs FY)
EBITDA Y/Y
2.17%
(FY vs FY)
Cash flow Y/Y
-1.68%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $52.19
-13.37%
Default assumptions
EBITDA Multiple
Fair Value
Market $52.19
-88.31%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.