CNO Financial Group, Inc. 5.125
CNO Financial Group, Inc. 5.125 Fundamental Analysis
CNO Financial Group, Inc. 5.125 (CNO-PA) shows weak financial fundamentals with a PE ratio of 17.55, profit margin of 4.94%, and ROE of 8.60%. The company generates $8.5B in annual revenue with moderate year-over-year growth of 7.21%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 44.6/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze CNO-PA's fundamental strength across five key dimensions:
Efficiency Score
WeakCNO-PA struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCNO-PA trades at attractive valuation levels.
Growth Score
ExcellentCNO-PA delivers strong and consistent growth momentum.
Financial Health Score
ModerateCNO-PA shows balanced financial health with some risks.
Profitability Score
WeakCNO-PA struggles to sustain strong margins.
Key Financial Metrics
Is CNO-PA Expensive or Cheap?
P/E Ratio
CNO-PA trades at 17.55 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, CNO-PA's PEG of -0.80 indicates potential undervaluation.
Price to Book
The market values CNO Financial Group, Inc. 5.125 at 1.47 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.95 times EBITDA. This is generally considered low.
How Well Does CNO-PA Make Money?
Net Profit Margin
For every $100 in sales, CNO Financial Group, Inc. 5.125 keeps $4.94 as profit after all expenses.
Operating Margin
Core operations generate 6.31 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $8.60 in profit for every $100 of shareholder equity.
ROA
CNO Financial Group, Inc. 5.125 generates $0.57 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
CNO Financial Group, Inc. 5.125 produces operating cash flow of $1.28B, showing steady but balanced cash generation.
Free Cash Flow
CNO Financial Group, Inc. 5.125 generates strong free cash flow of $1.28B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $6.94 in free cash annually.
FCF Yield
CNO-PA converts 17.77% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
17.55
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.80
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.47
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.85
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.54
vs 25 benchmark
Current Ratio
Current assets to current liabilities
8.83
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.09
vs 25 benchmark
ROA
Return on assets percentage
0.006
vs 25 benchmark
ROCE
Return on capital employed
0.007
vs 25 benchmark
How CNO-PA Stacks Against Its Sector Peers
| Metric | CNO-PA Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 17.55 | 18.50 | Neutral |
| ROE | 8.60% | 809.00% | Weak |
| Net Margin | 4.94% | 2211.00% | Weak |
| Debt/Equity | 1.54 | 0.90 | Weak (High Leverage) |
| Current Ratio | 8.83 | 691.82 | Strong Liquidity |
| ROA | 0.57% | -24320.00% (disorted) | Weak |
CNO-PA outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews CNO Financial Group, Inc. 5.125's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
62.74%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
45.07%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
32.45%
Industry Style: Value, Dividend, Cyclical
High Growth