CNO Financial Group, Inc.(CNO)Stock Analysis
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Rank #1,524 of 2,879 stocks
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
CNO Stock Analysis & AI Quality Score
AI stock analysis and institutional research for CNO Financial Group, Inc. (CNO), a Financials sector company. 13F Pro's AI-powered ranking engine scores CNO at 49.1/100 on a 32-signal composite quality model, placing it at rank #1,524 of 2,879 stocks — the bottom half of the AI-ranked universe. CNO scores in the top quartile across revenue scale (76.1). Areas of concern include institutional flow (3.3) and earnings quality (12.9), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), CNO Financial Group, Inc. reports quarterly revenue of $1.0B, net income of $37.7M, an operating margin of 12.6%. Top institutional holders of CNO by reported 13-F value include BlackRock,, STATE STREET, FRANKLIN RESOURCES, based on the most recent SEC filings. CNO trades on the NYSE exchange and files with the SEC under CIK 1224608. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CNO daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for CNO Financial Group, Inc. directly from SEC EDGAR. CNO Financial Group, Inc.'s 13F Pro composite quality score has ranged between 45 and 64 since 2021, currently 49.1 — a stable long-term trajectory across 28 quarterly and live scoring snapshots.
Revenue
Q1 2026
$1.0B
Net Income
Q1 2026
$37.7M
Free Cash Flow
Q1 2026
$148.8M
Operating Margin
Q1 2026
12.6%
ROIC
Q1 2026
5.2%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+25.5% YoYNet Income
-63.6% YoYOperating Income
+18.5% YoYEPS (Diluted)
-57.1% YoYTotal Assets
+17.1% YoYTotal Debt
Op. Cash Flow
+36.4% YoY| Metric | FY 2025 | FY 2022 | FY 2021 | FY 2020 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|
| Revenue | $4.49B +25.5% | $3.58B -13.2% | $4.12B +7.9% | $3.82B -11.4% | $4.31B +0.4% | $4.30B |
| Net Income | $229.3M -63.6% | $630.6M +10.6% | $570.3M +89.0% | $301.8M +195.8% | $-315.0M -279.4% | $175.6M |
| Operating Income | $553.2M +18.5% | $466.7M -9.3% | $514.7M +11.0% | $463.8M +21.7% | $381.2M -16.2% | $454.7M |
| EPS (Diluted) | $2.30 -57.1% | $5.36 +23.2% | $4.35 +106.2% | $2.11 +211.1% | $-1.90 -286.3% | $1.02 |
| Total Assets | $38.79B +17.1% | $33.13B -8.5% | $36.20B +2.4% | $35.34B +12.4% | $31.44B -5.1% | $33.11B |
| Total Debt | — | — | — | — | $916.8M +0.2% | $914.6M |
| Operating Cash Flow | $675.7M +36.4% | $495.4M -17.2% | $598.3M -18.7% | $735.5M +131.4% | $317.8M -49.8% | $633.3M |
AI Insight: CNO Financial Trends
CNO revenue hit a new high of $1,189M in Q3 2025, but net income remains thin and volatile, limiting bottom-line conviction.
• Revenue grew from $1,066M in Q2 2024 to $1,189M in Q3 2025, a ~12% rise, though Q1 2026 dipped to $1,030M.
• Net income is highly erratic, swinging from $166M in Q4 2024 to $22M in Q1 2025 and $38M in Q1 2026.
• Operating cash flow improved from $111M in Q2 2024 to $198M in Q3 2025, suggesting underlying cash generation is strengthening.
• Equity held relatively stable, ranging from $2,429M in Q2 2024 to $2,638M in Q4 2025, with Q1 2026 declining to $2,498M.
⚠ Operating income dropped sharply to $105M in Q1 2025 and $112M in Q2 2025 before recovering — seasonal or structural weakness warrants monitoring.
⚠ Net income in Q1 2026 of $38M remains well below the $93M posted in Q4 2025, continuing the pattern of weak first quarters.
⚠ Total debt data is absent across all periods, making leverage and capital structure assessment impossible.
AI Insight: CNO Ratio Trends
CNO's profitability shows persistent Q1 seasonality weakness, with Q1 2026 OpMargin at 12.6% and ROIC at 20.8% — both near cycle lows.
• OpMargin follows a clear seasonal pattern: Q4 peaks (15.8% in Q4 2024, 15.2% in Q4 2025) consistently give way to Q1 troughs (10.4% in Q1 2025, 12.6% in Q1 2026).
• ROIC contracted from a peak of 27.7% in Q4 2024 to 20.8% in Q1 2026, reflecting both seasonality and a softer profitability trend.
• NPM is highly volatile quarter to quarter, ranging from 0.8% in Q3 2024 to 15.1% in Q4 2024, suggesting significant one-off or actuarial items.
⚠ Q1 2026 ROIC of 20.8% is the second-lowest in the dataset — monitor whether Q2 2026 rebounds toward the 17–25% range seen historically.
⚠ TTM NPM of 5.4% sits well below Q4 2024's 15.1%, partly dragged by weak Q1 and Q3 quarters — watch for sustained improvement in core earnings quality.
⚠ D/E data is unavailable across all periods; absence limits leverage assessment, a key risk metric for an insurance holding company.
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Available Research
13F Pro tracks comprehensive data for CNO Financial Group, Inc. including:
Top Institutional Holders of CNO
BlackRock, Inc.
$536.0M13,054,647 shSTATE STREET CORP
$164.8M4,014,130 shFRANKLIN RESOURCES INC
$161.3M3,929,437 shFULLER & THALER ASSET MANAGEMENT, INC.
$154.1M3,752,992 shAMERICAN CENTURY COMPANIES INC
$147.1M3,583,290 shDIMENSIONAL FUND ADVISORS LP
$139.4M3,395,729 shGEODE CAPITAL MANAGEMENT, LLC
$103.0M2,507,721 shPZENA INVESTMENT MANAGEMENT LLC
$101.5M2,470,921 shNOMURA ASSET MANAGEMENT INTERNATIONAL INC.
$77.6M1,889,224 shMORGAN STANLEY
$71.0M1,729,382 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $536.0M | 13,054,647 |
| STATE STREET CORP | $164.8M | 4,014,130 |
| FRANKLIN RESOURCES INC | $161.3M | 3,929,437 |
| FULLER & THALER ASSET MANAGEMENT, INC. | $154.1M | 3,752,992 |
| AMERICAN CENTURY COMPANIES INC | $147.1M | 3,583,290 |
| DIMENSIONAL FUND ADVISORS LP | $139.4M | 3,395,729 |
| GEODE CAPITAL MANAGEMENT, LLC | $103.0M | 2,507,721 |
| PZENA INVESTMENT MANAGEMENT LLC | $101.5M | 2,470,921 |
| NOMURA ASSET MANAGEMENT INTERNATIONAL INC. | $77.6M | 1,889,224 |
| MORGAN STANLEY | $71.0M | 1,729,382 |
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Popular Research
Is CNO a good stock to buy?
13F Pro's AI-powered analysis of CNO Financial Group, Inc. (CNO) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CNO are available on the CNO stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own CNO?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CNO. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of CNO Financial Group, Inc.'s investment landscape.