CNO Financial (COS) Stock Price & Analysis
COS Stock Chart & Stats
- Day’s Range
- EUR 49.60 - EUR 49.60
- 52-Week Range
- EUR 33.80 - EUR 49.60
- Previous Close
- EUR 48.40
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- EUR 4.76B
- Enterprise Value
- EUR 9.80B
- Total Cash (Recent Filing)
- EUR 9.52B
- Total Debt (Recent Filing)
- EUR 4.55B
- Price to Earnings (P/E)
- 12.9
- Beta
- 0.32
- Next Earnings
- Feb 09, 2027 (Est.)
- EPS Estimate
- 1.19
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 1.20%
Bulls Say, Bears Say
Bulls Say
Sustained Distribution Growth
Repeated sales expansion alongside rising agent counts indicates durable distribution momentum rather than a single product-driven result. A growing productive agent base can widen customer reach, support recurring policy and annuity inflows, and improve operating leverage as fixed infrastructure serves more business.
Strong Cash Generation
Operating and free cash flow are both substantial and improving, while free cash flow broadly matching net income indicates strong earnings conversion. This supports capital flexibility for technology investment, shareholder returns, reinsurance activity, and continued growth without relying solely on external funding.
Improving Operating Leverage
A lower expense ratio combined with management’s view that current performance is sustainable suggests operating leverage is becoming a recurring earnings support. If sales growth continues, additional revenue absorption could improve profitability even without relying on unusually favorable investment results.
Bears Say
Elevated Leverage
Leverage remains elevated for an insurer whose credibility and resilience depend heavily on balance-sheet strength. Higher debt relative to equity can reduce financial flexibility, increase sensitivity to adverse operating experience, and constrain the capital available for growth, dividends, or unexpected obligations.
Profitability Below Prior Peaks
Current profitability remains materially below the company’s stronger 2021–2022 levels, indicating that prior earnings power has not fully returned. The combination of compressed margins and slower revenue growth could limit reinvestment capacity and make future earnings improvement more dependent on execution and favorable experience.
Medicare Supplement Morbidity Pressure
Higher morbidity directly pressures claims economics in a growing supplemental-health line, weakening the benefit of expanding policy volume. Rate increases and block growth may help over time, but continued unfavorable experience could weigh on margins, capital generation, and the durability of recent insurance-product improvements.
CNO Financial News
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CNO Financial Stock Smart Score
Company Description
CNO Financial
Headquartered in Carmel, Indiana, and established in 1979, CNO Financial Group, Inc. operates across the United States, developing, marketing, and administering a broad spectrum of insurance and annuity products primarily for middle-income and senior individuals. The company's health insurance offerings span Medicare supplement plans, various supplemental health coverage (such as specified disease, accident, and hospital indemnity products), long-term care policies, and Medicare Advantage plans. CNO also underwrites a full suite of life insurance products, encompassing universal life, interest-sensitive options, and traditional policies like whole life, graded benefit life, term life, and single premium whole life. For wealth accumulation and retirement income, CNO provides an array of annuities, including fixed index, fixed interest (single and flexible premium deferred), and single premium immediate annuities, often catering to retirees and older self-employed individuals within the middle-income demographic. CNO employs a multi-channel approach to reach its diverse clientele. Individual customers can access products directly through phone, online platforms, mail, or face-to-face interactions. Additionally, the firm cultivates relationships with businesses, associations, and other membership groups, facilitating worksite and group sales by engaging with potential clients at their workplaces. These offerings are distributed through a robust network of agents, independent producers, and direct marketing efforts, promoted under the well-recognized brand names of Bankers Life, Washington National, and Colonial Penn.
- Sector
- Financial
- Industry
- Insurance - Life
- CEO
- Gary C. Bhojwani
- Employees
- 3,300
- Website
- www.cnoinc.com
- Address
- 11299 Illinois Street, Carmel, IN, 46032, US
CNO Financial (COS) Earnings & Revenues
COS Company Deck
COS Earnings Call
Earnings Call SentimentPositive
The call was strongly positive. CNO reported substantial earnings growth, consecutive periods of sales and agent-count growth, improving expense leverage, strong investment income, robust capital levels, and raised full-year earnings guidance. The company also highlighted strong Medicare Supplement, Worksite and asset accumulation momentum. Offsetting issues included declines in reported Life NAP, unfavorable Medicare Supplement morbidity, Medicare Advantage market disruption, nonrecurring investment income outperformance, and capital consumption from investments, but management characterized demand and the overall operating outlook as resilient.
View all DE:COS earnings summariesCOS Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 4 | 2 |
| Technical Analysis | 3 | 4 | 2 |
| Moving Averages | 12 | 0 | 0 |