Earnings summaries and quarterly performance for CNO Financial Group.
Executive leadership at CNO Financial Group.
Board of directors at CNO Financial Group.
Research analysts who have asked questions during CNO Financial Group earnings calls.
JB
John Barnidge
Piper Sandler
7 questions for CNO
Also covers: AFL, AIZ, AMP +15 more
Ryan Krueger
KBW
7 questions for CNO
Also covers: AFL, AMP, ASGN +14 more
Suneet Kamath
Jefferies
7 questions for CNO
Also covers: AFL, AMP, BHF +12 more
WC
Wesley Carmichael
Autonomous Research
7 questions for CNO
Also covers: ACGL, AFL, BHF +16 more
Joel Hurwitz
Dowling & Partners Securities, LLC
4 questions for CNO
Also covers: AFL, CRBG, EQH +9 more
Wilma Burdis
Raymond James Financial
4 questions for CNO
Also covers: AFL, ALTI, AMP +16 more
Jack Matten
BMO Capital Markets
3 questions for CNO
Also covers: AFL, EQH, GL +6 more
Wilma Jackson Burdis
Raymond James
3 questions for CNO
Also covers: AFL, ALTI, AMP +12 more
FM
Francis Matten
BMO Capital Markets
2 questions for CNO
Also covers: AFL, CRBG, EQH +6 more
JM
Jack Matson
BMO Capital Markets
2 questions for CNO
Also covers: UNM
TG
Thomas Gallagher
Evercore
1 question for CNO
Also covers: AFL, AMP, BHF +13 more
Recent press releases and 8-K filings for CNO.
CNO Financial Group Reports Strong Q4 and Full-Year 2025 Results, Provides 2026 Guidance
CNO
Earnings
Guidance Update
Share Buyback
- CNO Financial Group reported strong Q4 and full-year 2025 results, with operating earnings per diluted share of $4.40, an 11% increase, and an operating return on equity of 11.4%, excluding significant items.
- The company achieved record total new annualized premium, up 15% for the full year, driven by its 14th consecutive quarter of sales growth and significant increases in Medicare Supplement NAP (up 49% for the full year).
- CNO returned $386 million to shareholders in 2025, including $320 million in share repurchases which contributed to an 8% reduction in weighted average diluted shares outstanding, and raised its quarterly common stock dividend for the 13th consecutive year.
- For 2026, CNO provided guidance including operating earnings per share between $4.25 and $4.45 (an 8% increase at the midpoint from 2025), an expense ratio of 18.8%-19.2%, and free cash flow of $200 million to $250 million.
- The company continues its tech modernization initiative, planning to deploy an additional $75 million in 2026, and maintains a high-quality investment portfolio with a new money rate above 6% for 12 consecutive quarters.
9 hours ago
CNO Financial Group Reports Strong Q4 and Full-Year 2025 Results, Provides 2026 Guidance
CNO
Earnings
Guidance Update
Share Buyback
- CNO Financial Group reported full-year 2025 operating earnings per diluted share of $4.40, an 11% increase, and an operating return on equity (excluding significant items) of 11.4%, exceeding its 2024 run rate of 10%.
- The company achieved record total new annualized premium (NAP) up 15% for the full year 2025, marking its 14th consecutive quarter of sales growth and 12th consecutive quarter of growth in producing agent count.
- CNO returned $386 million to shareholders in 2025, including $320 million in share repurchases that contributed to an 8% reduction in weighted average diluted shares outstanding.
- The company ended 2025 with a consolidated risk-based capital ratio of 380% and holding company liquidity of $351 million, well above its minimum threshold.
- For 2026, CNO expects operating earnings per share between $4.25 and $4.45 and free cash flow of $200-$250 million.
9 hours ago
CNO Financial Group Reports Strong Q4 and Full-Year 2025 Results, Provides 2026 Guidance
CNO
Earnings
Guidance Update
Share Buyback
- CNO Financial Group delivered strong Q4 and full-year 2025 results, with operating earnings per diluted share of $4.40 and an operating return on equity (excluding significant items) of 11.4%, surpassing their original full-year EPS guidance.
- The company achieved record total new annualized premium, up 15% for the full year, marking its 14th consecutive quarter of sales growth and 12th consecutive quarter of growth in producing agent count.
- CNO returned $386 million to shareholders in 2025, an 11% increase over 2024, and deployed $320 million on share repurchases, which contributed to an 8% reduction in diluted shares outstanding.
- For 2026, CNO projects operating earnings per share between $4.25 and $4.45, an 8% increase at the midpoint from 2025, and anticipates free cash flow of $200-$250 million.
- The company maintains a robust capital position with a consolidated risk-based capital ratio of 380% and holding company liquidity of $351 million at year-end 2025.
9 hours ago
CNO Financial Group Reports Strong Q4 and Full Year 2025 Results, Provides 2026 Guidance
CNO
Earnings
Guidance Update
Share Buyback
- CNO Financial Group reported full-year 2025 operating EPS of $4.40, an 11% increase, and an operating return on equity (ROE) of 11.4% excluding significant items.
- The company achieved its 14th consecutive quarter of strong insurance sales, with total new annualized premiums (NAP) up 15% and client assets in brokerage and advisory up 24% for the full year 2025.
- CNO returned $386 million to shareholders in 2025, an 11% increase, including $320 million in share repurchases, and maintained a robust capital position with a 2025 Risk Based Capital (RBC) Ratio of 380%.
- For 2026, the company provided guidance for operating EPS between $4.25 and $4.45 and free cash flow between $200 million and $250 million.
1 day ago
CNO Financial Group Reports Strong Q4 and Full Year 2025 Results
CNO
Earnings
Share Buyback
Guidance Update
- CNO Financial Group reported full year 2025 net operating income of $439 million, or $4.40 per diluted share, and net income of $229 million, or $2.30 per diluted share, achieving or exceeding most 2025 guidance metrics.
- The company saw total new annualized premiums (NAP) grow by 15% for the full year 2025, setting a new record, and operating earnings per share increased by 11%.
- CNO returned $386 million to shareholders in 2025, an 11% increase from 2024, which included $320 million in share repurchases for the year and $60 million during Q4 2025.
- The debt-to-capital ratio improved to 33.6% at December 31, 2025, from 42.2% at December 31, 2024, reflecting a strong capital position entering 2026.
1 day ago
CNO Financial Group Reports Fourth Quarter and Full Year 2025 Results
CNO
Earnings
Guidance Update
Revenue Acceleration/Inflection
- CNO Financial Group reported fourth quarter 2025 net income of $93 million, or $0.95 per diluted share, and net operating income of $143 million, or $1.47 per diluted share.
- For the full year 2025, the company achieved net income of $229 million, or $2.30 per diluted share, and net operating income of $439 million, or $4.40 per diluted share.
- The company's operating earnings per share grew 11%, and total new annualized premiums (NAP) increased by 15% for the full year 2025, setting a new full-year record.
- Return on equity (ROE) was 8.9% and Operating ROE was 11.4% (excluding significant items) for the trailing four quarters ended December 31, 2025.
- At December 31, 2025, book value per share was $27.92, and book value per diluted share, excluding accumulated other comprehensive loss, was $38.81. The debt-to-capital ratio was 33.6%.
1 day ago
CNO Financial Group Announces Q3 2025 Results with Strong Earnings Growth and Raised Guidance
CNO
Earnings
Guidance Update
Share Buyback
- CNO Financial Group reported Operating EPS of $1.29, a 16% increase, and Operating EPS excluding significant items of $0.96, up 4% for Q3 2025. The company also recorded a $96.7 million non-cash goodwill and intangibles impairment during the quarter.
- The company demonstrated strong operational growth with total new annualized premiums (NAP) up 26%, direct-to-consumer (D2C) NAP up 56%, and Worksite Division NAP up 20%. Client assets in brokerage and advisory also increased by 28%.
- CNO returned $76 million to shareholders in Q3 2025, including $60 million in share repurchases, contributing to an 8% reduction in weighted average diluted shares outstanding. The consolidated Risk-Based Capital (RBC) ratio stood at 380% and holding company liquidity at $194 million, both above target levels.
- Management raised its guidance for 2027 operating Return on Equity (ROE) improvement and 2025 excess cash flow to the holding company, with 2025 operating EPS guidance set between $3.75 and $3.85.
Nov 4, 2025, 4:00 PM
CNO Financial Group Reports Strong Q3 2025 Earnings, Exits Fee Services Business, and Raises ROE and Cash Flow Targets
CNO
Earnings
Guidance Update
New Projects/Investments
- CNO Financial Group reported Q3 2025 operating earnings per diluted share of $1.29, a 16% increase, and record total new annualized premiums of $125 million, up 26%.
- The company announced its decision to exit the worksite fee services business by the first half of 2026, which represented less than 1% of total revenue and contributed an approximate $20 million pre-tax annual loss. This decision resulted in a $96.7 million impairment in Q3 2025 and is expected to incur $15-$20 million in exit charges in Q4 2025.
- CNO revised its 2027 operating return on equity (ROE) target to an improvement of 200 basis points (from 150 basis points) compared to a 10% run rate in 2024, and raised its excess cash flow to the holding company guidance to $365-$385 million (from $200-$250 million). These updates are attributed to the fee services exit and a new Bermuda reinsurance treaty.
- The company returned $76 million to shareholders in Q3 2025 and $310 million year-to-date, while book value per diluted share (excluding AOCI) increased 6% to $38.10.
Nov 4, 2025, 4:00 PM
CNO Financial Group Reports Strong Q3 2025 Results and Strategic Updates
CNO
Earnings
Guidance Update
Share Buyback
- CNO Financial Group reported net income of $23.1 million, or $0.24 per diluted share, and net operating income of $127.2 million, or $1.29 per diluted share, for Q3 2025.
- The company announced a decision to streamline its Worksite Division operations by exiting the fee services business, which is expected to reduce annual fee revenue by roughly $30 million and increase annual pre-tax income by roughly $20 million.
- Key growth metrics for Q3 2025 include total new annualized premiums (NAP) up 26% and client assets in brokerage and advisory up 28%.
- CNO returned $76.4 million to shareholders in Q3 2025 and reported a book value per diluted share, excluding accumulated other comprehensive loss, of $38.10, representing a 6% increase.
- The company is increasing its run rate operating return on equity (ROE) target by 50 basis points for a total improvement of 200 basis points through 2027.
Nov 3, 2025, 9:21 PM
CNO Financial Group Reports Third Quarter 2025 Results
CNO
Earnings
Share Buyback
New Projects/Investments
- CNO Financial Group reported net income of $23.1 million, or $0.24 per diluted share, and net operating income of $127.2 million, or $1.29 per diluted share, for the third quarter of 2025.
- The company achieved 26% growth in total new annualized premiums (NAP) and reported an operating return on equity (ROE) of 12.1% for the quarter.
- CNO is increasing its 2027 ROE target by 50 basis points and returned $76.4 million to shareholders during Q3 2025.
- Strategic initiatives include exiting the fee services side of its Worksite Division, which is expected to increase annual pre-tax income by roughly $20 million, and executing a second reinsurance transaction for $1.8 billion of inforce supplemental health statutory reserves.
- Book value per share was $27.24 at September 30, 2025, with book value per diluted share, excluding accumulated other comprehensive loss, at $38.10, up 6%.
Nov 3, 2025, 9:15 PM
Quarterly earnings call transcripts for CNO Financial Group.
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