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Upturn AI SWOT - About
CNO 
CNO Financial Group Inc (CNO)
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Upturn Advisory Summary
04/01/2025: CNO (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 16.53% | Avg. Invested days 41 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.25B USD | Price to earnings Ratio 11.33 | 1Y Target Price 44 |
Price to earnings Ratio 11.33 | 1Y Target Price 44 | ||
Volume (30-day avg) 793086 | Beta 1.04 | 52 Weeks Range 24.45 - 43.20 | Updated Date 04/2/2025 |
52 Weeks Range 24.45 - 43.20 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 1.52% | Basic EPS (TTM) 3.74 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 9.08% | Operating Margin (TTM) 24.84% |
Management Effectiveness
Return on Assets (TTM) 1.33% | Return on Equity (TTM) 17.14% |
Valuation
Trailing PE 11.33 | Forward PE 10.76 | Enterprise Value 7073216229 | Price to Sales(TTM) 0.95 |
Enterprise Value 7073216229 | Price to Sales(TTM) 0.95 | ||
Enterprise Value to Revenue 1.59 | Enterprise Value to EBITDA - | Shares Outstanding 100286000 | Shares Floating 98400277 |
Shares Outstanding 100286000 | Shares Floating 98400277 | ||
Percent Insiders 2.27 | Percent Institutions 97.32 |
Analyst Ratings
Rating 3 | Target Price 41.8 | Buy 2 | Strong Buy - |
Buy 2 | Strong Buy - | ||
Hold 3 | Sell - | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
CNO Financial Group Inc
Company Overview
History and Background
CNO Financial Group, Inc. traces its roots back to 1902. Initially known as the Washington National Insurance Company, it has evolved through acquisitions and strategic shifts, ultimately becoming CNO Financial Group. The company focuses on providing insurance solutions to middle-income Americans.
Core Business Areas
- Washington National: Focuses on supplemental health and life insurance products sold primarily to middle-income Americans through worksite and direct-to-consumer channels.
- Bankers Life: Provides life and health insurance, as well as retirement solutions, to pre-retirees and retirees through a network of career agents.
- Colonial Penn: Specializes in direct-to-consumer life insurance, particularly guaranteed acceptance whole life policies.
Leadership and Structure
The current CEO is Gary C. Bhojwani. The company is structured with distinct business segments, each with its own management team, reporting to the corporate leadership.
Top Products and Market Share
Key Offerings
- Life Insurance: CNO offers a range of life insurance products, including term, whole, and universal life. The company competes with major life insurers like Prudential, MetLife, and New York Life. Market share data specific to CNO's life insurance products is difficult to isolate, but the U.S. life insurance market is highly fragmented.
- Supplemental Health Insurance: CNO provides supplemental health insurance policies that cover expenses not covered by major medical plans, such as hospital indemnity, cancer, and critical illness insurance. Competitors include Aflac and Unum. CNO's market share is moderate within the supplemental health market.
- Annuities: CNO offers fixed and variable annuities designed to provide retirement income. Competition includes major financial services firms like Fidelity and Vanguard.
Market Dynamics
Industry Overview
The insurance industry is highly competitive and regulated. Key trends include aging populations, rising healthcare costs, and increasing demand for retirement income solutions. Digitalization and technological advancements are also shaping the industry.
Positioning
CNO Financial Group focuses on the middle-income market segment. Its competitive advantages include its established brands, distribution network, and focus on specific product niches.
Total Addressable Market (TAM)
The TAM for life and health insurance, and retirement solutions in the U.S. is estimated to be hundreds of billions of dollars. CNO is positioned to capture a portion of this TAM by focusing on the middle-income market with targeted products and distribution strategies.
Upturn SWOT Analysis
Strengths
- Established brands
- Extensive distribution network
- Focus on middle-income market
- Strong capital position
- Targeted product offerings
Weaknesses
- Exposure to interest rate risk
- Competition from larger players
- Dependence on agent-based distribution
- Regulatory compliance costs
Opportunities
- Growing demand for retirement income solutions
- Expansion of digital distribution channels
- Strategic acquisitions
- New product development
- Increased health awareness
Threats
- Economic downturns
- Changes in regulations
- Increased competition
- Rising healthcare costs
- Technological disruption
Competitors and Market Share
Key Competitors
- PRU
- MET
- AFL
Competitive Landscape
CNO Financial competes with larger, more diversified financial services companies. Its advantage lies in its focus on the middle-income market and its established distribution network. Its disadvantages include its smaller size and greater exposure to interest rate risk.
Major Acquisitions
WebBenefits
- Year: 2018
- Acquisition Price (USD millions): 28.5
- Strategic Rationale: Acquisition of WebBenefits, Inc. enhanced CNOu2019s benefits administration capabilities and expanded its reach in the worksite market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require live financial data
Future Projections: Future projections for CNO Financial Group require live financial data
Recent Initiatives: Recent strategic initiatives typically include product launches, acquisitions, and expansion of distribution channels. Specific initiatives should be referenced from company announcements and financial reports.
Summary
CNO Financial Group focuses on the middle-income market with life, health, and retirement solutions. Its strengths include its brands and distribution network. Challenges include competition and interest rate risk. Continued digital transformation and product innovation are important for future growth.
Similar Companies
AFL
Aflac Incorporated
AFL
Aflac Incorporated
LNC
Lincoln National Corporation
LNC
Lincoln National Corporation
UNM
Unum Group
UNM
Unum Group
Sources and Disclaimers
Data Sources:
- Company filings, Market research reports, Industry analysis
- Public company filings (10K, 10Q)
- Press releases
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is approximate and may vary based on source. Financial data requires live updates from financial statements.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About CNO Financial Group Inc
Exchange NYSE | Headquaters Carmel, IN, United States | ||
IPO Launch date 1987-01-01 | CEO & Director Mr. Gary Chandru Bhojwani | ||
Sector Financial Services | Industry Insurance - Life | Full time employees 3500 | Website https://www.cnoinc.com |
Full time employees 3500 | Website https://www.cnoinc.com | ||
CNO Financial Group, Inc., through its subsidiaries, develops, markets, and administers health insurance, annuity, individual life insurance, insurance products, and financial services for middle-income pre-retiree and retired Americans 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 individual consumers through phone, virtually, online, and face-to-face with agents. The company also focuses on sale of voluntary benefit life and health insurance products for businesses, associations, and other membership groups by interacting with customers at their place of employment. In addition, it provides fixed indexed 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, lesser degree, 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. It markets its products under the Bankers Life, Washington National, and Colonial Penn brand names. The company was founded in 1979 and is headquartered in Carmel, Indiana.
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