CNO Financial Group（COS）株式概要CNO Financial Group, Inc.は、その子会社を通じて、米国の中間所得層の退職前および退職者向けの医療保険、年金、個人生命保険、保険商品、金融サービスの開発、販売、管理を行っている。 詳細COS ファンダメンタル分析スノーフレーク・スコア評価2/6将来の成長2/6過去の実績0/6財務の健全性1/6配当金4/6報酬当社が推定した公正価値より35.9%で取引されている 収益は年間18.47%増加すると予測されています リスク分析利払いは収益で十分にカバーされない 財務結果に影響を与える大きな一時的項目 すべてのリスクチェックを見るCOS Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.NEW500,376 membersJoin community and earn perksGain real feedbackFrom our editorial team, personally. Not silence.Grow your followingReal investors. The kind who actually invest, not scroll past.Unlock free accessFree premium subscription for consistent and quality authors.Learn moreCreate NarrativeBLINROAG500,376 investors already sharing narrativesYour Fair Value€Current Price€45.605.2% 割高 内在価値ディスカウントGrowth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture-347m5b2016201920222025202620282031Revenue US$4.7bEarnings US$254.3mAdvancedSet Fair ValueView all narrativesCNO Financial Group, Inc. 競合他社Wüstenrot & WürttembergischeSymbol: XTRA:WUWMarket cap: €1.4bNÜRNBERGER Beteiligungs-AGSymbol: XTRA:NBG6Market cap: €1.4bTalanxSymbol: XTRA:TLXMarket cap: €29.4bHannover RückSymbol: XTRA:HNR1Market cap: €29.4b価格と性能株価の高値、安値、推移の概要CNO Financial Group過去の株価現在の株価US$45.6052週高値US$46.0052週安値US$30.60ベータ0.821ヶ月の変化13.43%3ヶ月変化27.37%1年変化41.61%3年間の変化111.11%5年間の変化135.05%IPOからの変化196.49%最新ニュースUpcoming Dividend • Jun 04Upcoming dividend of US$0.18 per shareEligible shareholders must have bought the stock before 10 June 2026. Payment date: 24 June 2026. Payout ratio is a comfortable 27% and this is well supported by cash flows. Trailing yield: 1.5%. Lower than top quartile of German dividend payers (4.6%). Lower than average of industry peers (4.8%).Declared Dividend • May 20First quarter dividend of US$0.18 announcedShareholders will receive a dividend of US$0.18. Ex-date: 10th June 2026 Payment date: 24th June 2026 Dividend yield will be 1.5%, which is lower than the industry average of 3.8%. Sustainability & Growth Dividend is well covered by both earnings (27% earnings payout ratio) and cash flows (10% cash payout ratio). The dividend has increased by an average of 9.9% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 84% over the next 3 years, which should provide support to the dividend and adequate earnings cover.お知らせ • May 07CNO Financial Group, Inc. Declares Quarterly Cash Dividend, Payable June 24, 2026CNO Financial Group, Inc. announced that its Board of Directors has approved a $0.01 per share increase in its quarterly dividend. This marks the 14 consecutive annual increase by the company. The Board declared a quarterly cash dividend of $0.18 per share on the company's common shares. The dividend will be payable June 24, 2026, to shareholders of record at the close of business on June 10, 2026.お知らせ • Apr 17CNO Financial Group, Inc. to Report Q1, 2026 Results on Apr 30, 2026CNO Financial Group, Inc. announced that they will report Q1, 2026 results After-Market on Apr 30, 2026お知らせ • Feb 12+ 2 more updatesCNO Financial Group, Inc., Annual General Meeting, May 12, 2026CNO Financial Group, Inc., Annual General Meeting, May 12, 2026.お知らせ • Jan 22CNO Financial Group, Inc. Announces Executive PromotionsCNO Financial Group, Inc. announced the promotions of Steve Janoson to Senior Vice President, Direct and Independent Distribution and Rachel Spehler to Senior Vice President, Deputy General Counsel and Secretary. Both promotions are effective immediately. Janoson most recently served as Vice President, Direct and Independent Distribution, a position he held since 2020. Previously, he served as Vice President, Financial Planning and Analysis for the company's Colonial Penn brand and in various finance roles since joining CNO in 2014. Spehler most recently served as Vice President, Deputy General Counsel and Secretary, a role she held since 2020, and as General Counsel of CNO Bermuda Re since 2023. She joined CNO in 2016 as Vice President, Deputy General Counsel and Chief Compliance Officer of 40|86 Advisors, the company's wholly owned registered investment advisor.最新情報をもっと見るRecent updatesUpcoming Dividend • Jun 04Upcoming dividend of US$0.18 per shareEligible shareholders must have bought the stock before 10 June 2026. Payment date: 24 June 2026. Payout ratio is a comfortable 27% and this is well supported by cash flows. Trailing yield: 1.5%. Lower than top quartile of German dividend payers (4.6%). Lower than average of industry peers (4.8%).Declared Dividend • May 20First quarter dividend of US$0.18 announcedShareholders will receive a dividend of US$0.18. Ex-date: 10th June 2026 Payment date: 24th June 2026 Dividend yield will be 1.5%, which is lower than the industry average of 3.8%. Sustainability & Growth Dividend is well covered by both earnings (27% earnings payout ratio) and cash flows (10% cash payout ratio). The dividend has increased by an average of 9.9% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 84% over the next 3 years, which should provide support to the dividend and adequate earnings cover.お知らせ • May 07CNO Financial Group, Inc. Declares Quarterly Cash Dividend, Payable June 24, 2026CNO Financial Group, Inc. announced that its Board of Directors has approved a $0.01 per share increase in its quarterly dividend. This marks the 14 consecutive annual increase by the company. The Board declared a quarterly cash dividend of $0.18 per share on the company's common shares. The dividend will be payable June 24, 2026, to shareholders of record at the close of business on June 10, 2026.お知らせ • Apr 17CNO Financial Group, Inc. to Report Q1, 2026 Results on Apr 30, 2026CNO Financial Group, Inc. announced that they will report Q1, 2026 results After-Market on Apr 30, 2026お知らせ • Feb 12+ 2 more updatesCNO Financial Group, Inc., Annual General Meeting, May 12, 2026CNO Financial Group, Inc., Annual General Meeting, May 12, 2026.お知らせ • Jan 22CNO Financial Group, Inc. Announces Executive PromotionsCNO Financial Group, Inc. announced the promotions of Steve Janoson to Senior Vice President, Direct and Independent Distribution and Rachel Spehler to Senior Vice President, Deputy General Counsel and Secretary. Both promotions are effective immediately. Janoson most recently served as Vice President, Direct and Independent Distribution, a position he held since 2020. Previously, he served as Vice President, Financial Planning and Analysis for the company's Colonial Penn brand and in various finance roles since joining CNO in 2014. Spehler most recently served as Vice President, Deputy General Counsel and Secretary, a role she held since 2020, and as General Counsel of CNO Bermuda Re since 2023. She joined CNO in 2016 as Vice President, Deputy General Counsel and Chief Compliance Officer of 40|86 Advisors, the company's wholly owned registered investment advisor.お知らせ • Jan 21CNO Financial Group, Inc. to Report Q4, 2025 Results on Feb 05, 2026CNO Financial Group, Inc. announced that they will report Q4, 2025 results After-Market on Feb 05, 2026お知らせ • Jan 16CNO Financial Group, Inc. Appoints Linda Gibson as Director and to Audit and Enterprise Risk Committee and the Investment Committee of the Board, Effective January 15, 2026CNO Financial Group announced that its board of directors has appointed Linda Gibson as a Director, effective immediately. Ms. Gibson was also appointed to the Audit and Enterprise Risk Committee and the Investment Committee of the Board. Gibson is the former Chairperson and Chief Executive Officer of PGIM Quantitative Solutions, which is the quantitative equity and multi-asset specialist within Prudential Financial's global investment management business. Gibson's appointment increases the size of the CNO Board to 10 directors. As the Chairperson and Chief Executive Officer of PGIM Quantitative Solutions from 2021 to 2025, Gibson set the global strategic direction for the firm including oversight of PGIM Wadhwani, its London-based alternatives manager. She also served as Chief Business Officer from 2019 to 2021 with accountability for a wide range of functions. Prior to joining PGIM Quantitative Solutions, Gibson served as Executive Vice President and Head of Global Distribution for OMAM Asset Management, now Acadian Asset Management, and Chief Executive Officer of OMAM International. During her 17 years at the firm, she held various executive and global strategy positions, including Interim Chief Executive Officer, Chief Operating Officer, Head of Affiliate Management and General Counsel. Gibson received a bachelor's degree in mathematics from Bates College and a Juris Doctor degree from Boston University School of Law.お知らせ • Nov 13CNO Financial Group, Inc. Declares a Quarterly Cash Dividend, Payable on December 23, 2025CNO Financial Group, Inc. announced that its Board of Directors has declared a quarterly cash dividend of $0.17 per share on the company's common shares. The dividend will be payable December 23, 2025, to shareholders of record at the close of business on December 10, 2025.お知らせ • Nov 05CNO Financial Group, Inc. Updates Earnings Guidance for the Fiscal Year 2025CNO Financial Group, Inc. updated earnings guidance for the fiscal year 2025. The company narrowing operating earnings per share range to $3.75 to $3.85 while maintaining the same midpoint.お知らせ • Oct 15CNO Financial Group, Inc. to Report Q3, 2025 Results on Nov 03, 2025CNO Financial Group, Inc. announced that they will report Q3, 2025 results at 4:00 PM, Eastern Standard Time on Nov 03, 2025お知らせ • Sep 25CNO Financial Group, Inc. (NYSE:CNO) agreed to acquire an unknown minority stake in Victory Park Capital Advisors, LLC.CNO Financial Group, Inc. (NYSE:CNO) agreed to acquire an unknown minority stake in Victory Park Capital Advisors, LLC from Janus Henderson Group on September 24, 2025. Following the acquisition, Janus Henderson Group will remain the majority owner of Victory Park Capital Advisors. The transaction is expected to close on October 1, 2025. Ardea Partners served as exclusive financial advisor to Victory Park Capital Advisors and Janus Henderson Group. Piper Sandler & Co. served as exclusive financial advisor to CNO Financial Group. Kirkland & Ellis LLP acted as legal counsel to Victory Park Capital Advisors and Janus Henderson Group, and Mayer Brown LLP acted as legal counsel to CNO Financial Group.お知らせ • Aug 07CNO Financial Group, Inc. Declares Quarterly Cash Dividend, Payable on September 24, 2025CNO Financial Group, Inc. announced that its Board of Directors has declared a quarterly cash dividend of $0.17 per share on the company's common shares. The dividend will be payable September 24, 2025, to shareholders of record at the close of business on September 10, 2025.お知らせ • Jul 15CNO Financial Group, Inc. to Report Q2, 2025 Results on Jul 28, 2025CNO Financial Group, Inc. announced that they will report Q2, 2025 results at 4:00 PM, Eastern Standard Time on Jul 28, 2025お知らせ • May 04CNO Financial Group Announces Increase of Quarterly Dividend, Payable on June 24, 2025CNO Financial Group, Inc. announced that its Board of Directors has approved a $0.01 per share increase in its quarterly dividend, its thirteenth consecutive annual increase. The Board declared a quarterly cash dividend of $0.17 per share on the company's common shares. The dividend will be payable June 24, 2025, to shareholders of record at the close of business on June 10, 2025.お知らせ • Apr 15CNO Financial Group, Inc. to Report Q1, 2025 Results on Apr 28, 2025CNO Financial Group, Inc. announced that they will report Q1, 2025 results at 4:00 PM, US Eastern Standard Time on Apr 28, 2025お知らせ • Feb 13+ 1 more updateCNO Financial Group, Inc., Annual General Meeting, May 08, 2025CNO Financial Group, Inc., Annual General Meeting, May 08, 2025.お知らせ • Jan 23CNO Financial Group, Inc. to Report Q4, 2024 Results on Feb 06, 2025CNO Financial Group, Inc. announced that they will report Q4, 2024 results at 4:00 PM, US Eastern Standard Time on Feb 06, 2025お知らせ • Jan 04CNO Financial Group, Inc. Announces Executive ChangesCNO Financial Group, Inc. announced that Joel T. Koehneman, age 39, was named chief accounting officer of the company, effective January 21, 2025. He will report to Chief Financial Officer Paul McDonough. Mr. Koehneman brings extensive experience in public accounting to CNO. Mr. Koehneman worked in the audit practice of PricewaterhouseCoopers LLP, focused primarily on life insurance clients, from 2008 to 2023, including serving as a director from 2019 to 2023. In 2024, he served as a Finance Director at CDW Corporation. Mr. Koehneman earned a bachelor’s degree in accountancy and a master’s degree in accounting science, both from the University of Illinois, and he is a Certified Public Accountant. On January 2, 2025, the company notified Michellen A. Wildin, the Company’s current chief accounting officer, of her replacement. Ms. Wildin will remain chief accounting officer of CNO through January 20, 2025 and is expected to remain with the Company through April 1, 2025 to support the transition.お知らせ • Nov 15CNO Financial Group, Inc. Declares Quarterly Cash Dividend, Payable on December 24, 2024CNO Financial Group, Inc. announced that its Board of Directors has declared a quarterly cash dividend of $0.16 per share on the company's common shares. The dividend will be payable December 24, 2024, to shareholders of record at the close of business on December 10, 2024.Reported Earnings • Nov 01Third quarter 2024 earnings released: EPS: US$0.088 (vs US$1.49 in 3Q 2023)Third quarter 2024 results: EPS: US$0.088 (down from US$1.49 in 3Q 2023). Revenue: US$1.13b (up 19% from 3Q 2023). Net income: US$9.30m (down 94% from 3Q 2023). Profit margin: 0.8% (down from 18% in 3Q 2023). The decrease in margin was driven by higher expenses. Revenue is expected to decline by 1.7% p.a. on average during the next 3 years, while revenues in the Insurance industry in Europe are expected to grow by 4.9%. Over the last 3 years on average, earnings per share has fallen by 16% per year but the company’s share price has increased by 13% per year, which means it is well ahead of earnings.お知らせ • Oct 15CNO Financial Group, Inc. to Report Q3, 2024 Results on Oct 31, 2024CNO Financial Group, Inc. announced that they will report Q3, 2024 results After-Market on Oct 31, 2024お知らせ • Oct 02CNO Financial Group Inc Appoints Jess Turner to its Board of DirectorsCNO Financial Group, Inc. announced that its board of directors has appointed Jess Turner as a director, effective immediately. Turner is Executive Vice President and Global Head of Open Banking and API at Mastercard, and is a member of its Management Committee. Turner's appointment increases the size of the CNO board to nine directors. In her role as Executive Vice President and Global Head of Open Banking and API at Mastercard, Turner leads the development and build-out of new products and technologies to enable the future of open banking, while driving innovation with key partners across the ecosystem, including fintech companies and governments globally. Before this leadership position, she served as the Executive Vice President of New Digital Infrastructure and Fintech, where she led the strategy, design, development and commercialization of Mastercard's blockchain, digital assets, crypto and open banking products. In more than 18 years at Mastercard, she has been responsible for delivering both product and digital solutions and advancing the company's inclusive growth strategy in North America. Prior to joining Mastercard, she led product development at Affinion Loyalty Group after beginning her career at Capital One. Turner received a bachelor's degree in business administration from the University of Miami.Upcoming Dividend • Sep 03Upcoming dividend of US$0.16 per shareEligible shareholders must have bought the stock before 10 September 2024. Payment date: 24 September 2024. Payout ratio is a comfortable 16% and this is well supported by cash flows. Trailing yield: 1.8%. Lower than top quartile of German dividend payers (4.8%). Lower than average of industry peers (3.9%).Declared Dividend • Aug 12Second quarter dividend of US$0.16 announcedShareholders will receive a dividend of US$0.16. Ex-date: 10th September 2024 Payment date: 24th September 2024 Dividend yield will be 2.0%, which is lower than the industry average of 3.8%. Sustainability & Growth Dividend is well covered by both earnings (16% earnings payout ratio) and cash flows (12% cash payout ratio). The dividend has increased by an average of 18% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to remain steady over the next 3 years, which should provide adequate earnings cover for the dividend.お知らせ • Aug 08CNO Financial Group, Inc. Declares Quarterly Dividend, Payable on September 24, 2024CNO Financial Group, Inc. announced that its Board of Directors has declared a quarterly cash dividend of $0.16 per share on the company's common shares. The dividend will be payable September 24, 2024, to shareholders of record at the close of business on September 10, 2024.Reported Earnings • Jul 30Second quarter 2024 earnings released: EPS: US$1.08 (vs US$0.65 in 2Q 2023)Second quarter 2024 results: EPS: US$1.08 (up from US$0.65 in 2Q 2023). Revenue: US$1.07b (up 4.2% from 2Q 2023). Net income: US$116.3m (up 58% from 2Q 2023). Profit margin: 11% (up from 7.2% in 2Q 2023). Revenue is forecast to stay flat during the next 3 years compared to a 6.1% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 9% per year but the company’s share price has increased by 14% per year, which means it is well ahead of earnings.お知らせ • Jul 16CNO Financial Group, Inc. to Report Q2, 2024 Results on Jul 29, 2024CNO Financial Group, Inc. announced that they will report Q2, 2024 results After-Market on Jul 29, 2024Upcoming Dividend • Jun 03Upcoming dividend of US$0.16 per shareEligible shareholders must have bought the stock before 10 June 2024. Payment date: 24 June 2024. Payout ratio is a comfortable 17% and this is well supported by cash flows. Trailing yield: 2.2%. Lower than top quartile of German dividend payers (4.6%). Lower than average of industry peers (4.2%).Declared Dividend • May 13First quarter dividend of US$0.16 announcedShareholders will receive a dividend of US$0.16. Ex-date: 10th June 2024 Payment date: 24th June 2024 Dividend yield will be 2.2%, which is lower than the industry average of 3.8%. Sustainability & Growth Dividend is well covered by both earnings (17% earnings payout ratio) and cash flows (11% cash payout ratio). The dividend has increased by an average of 17% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 9.8% over the next 3 years, which should provide support to the dividend and adequate earnings cover.New Risk • May 06New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.03% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (15% operating cash flow to total debt). Earnings are forecast to decline by an average of 0.03% per year for the foreseeable future.お知らせ • May 06CNO Financial Group Approves Quarterly Dividend, Payable on June 24, 2024CNO Financial Group, Inc. announced that its Board of Directors has approved a $0.01 per share increase in its quarterly dividend, its twelfth consecutive annual increase. The Board declared a quarterly cash dividend of $0.16 per share on the company's common shares. The dividend will be payable June 24, 2024, to shareholders of record at the close of business on June 10, 2024.Reported Earnings • Apr 30First quarter 2024 earnings released: EPS: US$1.03 (vs US$0.007 loss in 1Q 2023)First quarter 2024 results: EPS: US$1.03 (up from US$0.007 loss in 1Q 2023). Revenue: US$1.16b (up 15% from 1Q 2023). Net income: US$112.3m (up US$113.1m from 1Q 2023). Profit margin: 9.7% (up from net loss in 1Q 2023). The move to profitability was driven by higher revenue. Revenue is forecast to stay flat during the next 3 years compared to a 6.7% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 21% per year but the company’s share price has increased by 5% per year, which means it is well ahead of earnings.お知らせ • Apr 16CNO Financial Group, Inc. to Report Q1, 2024 Results on Apr 29, 2024CNO Financial Group, Inc. announced that they will report Q1, 2024 results After-Market on Apr 29, 2024Upcoming Dividend • Feb 29Upcoming dividend of US$0.15 per shareEligible shareholders must have bought the stock before 07 March 2024. Payment date: 22 March 2024. Payout ratio is a comfortable 24% and this is well supported by cash flows. Trailing yield: 2.2%. Lower than top quartile of German dividend payers (5.2%). Lower than average of industry peers (3.7%).Reported Earnings • Feb 26Full year 2023 earnings released: EPS: US$2.44 (vs US$5.45 in FY 2022)Full year 2023 results: EPS: US$2.44 (down from US$5.45 in FY 2022). Revenue: US$4.15b (up 16% from FY 2022). Net income: US$276.5m (down 56% from FY 2022). Profit margin: 6.7% (down from 18% in FY 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to stay flat during the next 3 years compared to a 13% growth forecast for the Insurance industry in Germany. Over the last 3 years on average, earnings per share has fallen by 17% per year but the company’s share price has increased by 7% per year, which means it is well ahead of earnings.Declared Dividend • Feb 19Fourth quarter dividend of US$0.15 announcedShareholders will receive a dividend of US$0.15. Ex-date: 7th March 2024 Payment date: 22nd March 2024 Dividend yield will be 2.2%, which is lower than the industry average of 3.8%. Sustainability & Growth Dividend is well covered by both earnings (24% earnings payout ratio) and cash flows (12% cash payout ratio). The dividend has increased by an average of 22% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 38% over the next 3 years, which should provide support to the dividend and adequate earnings cover.お知らせ • Feb 14+ 2 more updatesCNO Financial Group, Inc. Announces Retirement of Stephen David from Board of DirectorsCNO Financial Group, Inc. announced that Stephen David will retire from the company's Board of Directors at the conclusion of his current term, which ends upon the close of the annual meeting. David joined CNO's Board in 2017 and serves as a member of the Audit and Enterprise Risk Committee and of the Governance and Nominating Committee. Following David's retirement, the CNO Board will be comprised of eight directors.Reported Earnings • Feb 07Full year 2023 earnings released: EPS: US$2.44 (vs US$3.43 in FY 2022)Full year 2023 results: EPS: US$2.44 (down from US$3.43 in FY 2022). Revenue: US$4.15b (up 16% from FY 2022). Net income: US$276.5m (down 30% from FY 2022). Profit margin: 6.7% (down from 11% in FY 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to stay flat during the next 3 years compared to a 8.1% growth forecast for the Insurance industry in Germany. Over the last 3 years on average, earnings per share has fallen by 20% per year but the company’s share price has increased by 8% per year, which means it is well ahead of earnings.お知らせ • Jan 24CNO Financial Group, Inc. to Report Q4, 2023 Results on Feb 06, 2024CNO Financial Group, Inc. announced that they will report Q4, 2023 results After-Market on Feb 06, 2024Upcoming Dividend • Nov 30Upcoming dividend of US$0.15 per share at 2.3% yieldEligible shareholders must have bought the stock before 07 December 2023. Payment date: 22 December 2023. The company is paying out more than 100% of its profits but is generating plenty of cash to support the dividend. Trailing yield: 2.3%. Lower than top quartile of German dividend payers (5.1%). Lower than average of industry peers (3.9%).お知らせ • Nov 11CNO Financial Group Declares Quarterly Dividend, Payable on December 22, 2023CNO Financial Group, Inc. announced that its Board of Directors has declared a quarterly cash dividend of $0.15 per share on the company's common shares. The dividend will be payable December 22, 2023, to shareholders of record at the close of business on December 8, 2023.Reported Earnings • Nov 07Third quarter 2023 earnings released: EPS: US$1.49 (vs US$0.92 in 3Q 2022)Third quarter 2023 results: EPS: US$1.49 (up from US$0.92 in 3Q 2022). Revenue: US$947.5m (up 4.7% from 3Q 2022). Net income: US$167.3m (up 59% from 3Q 2022). Profit margin: 18% (up from 12% in 3Q 2022). The increase in margin was primarily driven by higher revenue. Revenue is forecast to stay flat during the next 3 years compared to a 3.7% growth forecast for the Insurance industry in Germany. Over the last 3 years on average, earnings per share has fallen by 18% per year but the company’s share price has increased by 9% per year, which means it is well ahead of earnings.お知らせ • Oct 27+ 1 more updateCNO Financial Group, Inc. to Report Q3, 2023 Results on Nov 06, 2023CNO Financial Group, Inc. announced that they will report Q3, 2023 results After-Market on Nov 06, 2023お知らせ • Oct 17CNO Financial Group, Inc. Announces Executive ChangesCNO Financial Group, Inc. has named Michellen Wildin senior vice president of accounting effective October 23, 2023, and chief accounting officer (CAO) effective January 1, 2024. She will report to Chief Financial Officer Paul McDonough. Wildin most recently served as senior vice president, financial planning and analysis at F&G Annuities & Life, Inc., where she was a member of the company's Executive Committee. Previously, she held executive leadership positions at New York Life, including serving as vice president, corporate budget and expense analytics and chief financial officer of NYL Direct. She has also held senior-level accounting, finance, strategy and operations roles at Aviva and ING. Wildin began her career at EY and is a Certified Public Accountant. She earned a bachelor's degree in accounting from the University of Northern Iowa. Wildin will succeed John Kline as CAO, who is retiring from CNO on December 31, 2023, after a distinguished 30-year career with the company. Kline will remain CAO through the end of the year to ensure a seamless transition.Upcoming Dividend • Aug 31Upcoming dividend of US$0.15 per share at 2.6% yieldEligible shareholders must have bought the stock before 07 September 2023. Payment date: 22 September 2023. The company is paying out more than 100% of its profits but is generating plenty of cash to support the dividend. Trailing yield: 2.6%. Lower than top quartile of German dividend payers (4.9%). Lower than average of industry peers (4.1%).お知らせ • Aug 10CNO Financial Group, Inc. Declares Quarterly Dividend, Payable on September 22, 2023CNO Financial Group, Inc. announced that its Board of Directors has declared a quarterly cash dividend of $0.15 per share on the company's common shares. The dividend will be payable September 22, 2023, to shareholders of record at the close of business on September 8, 2023.New Risk • Aug 04New minor risk - Dividend sustainabilityThe dividend is not well covered by earnings. Payout ratio: 123% Dividend yield: 2.4% This is considered a minor risk. Companies that pay out too much of their earnings are at risk of having to reduce or cut their dividend in future. If earnings growth slows or earnings fall, then there may not be enough earnings to maintain the same dividend. Or in extreme cases, companies may opt to dig into capital reserves or take on debt to maintain the dividend. However, this risk is mitigated by the fact the dividend is covered by cash flows. For dividend paying companies, any reduction in the dividend can significantly impact the share price. Currently, the following risks have been identified for the company: Major Risk Interest payments are not well covered by earnings (1.4x net interest cover). Minor Risks Dividend is not well covered by earnings (123% payout ratio). Profit margins are more than 30% lower than last year (1.4% net profit margin).Reported Earnings • Aug 01Second quarter 2023 earnings released: EPS: US$0.65 (vs US$1.18 in 2Q 2022)Second quarter 2023 results: EPS: US$0.65 (down from US$1.18 in 2Q 2022). Revenue: US$1.02b (up 20% from 2Q 2022). Net income: US$73.7m (down 46% from 2Q 2022). Profit margin: 7.2% (down from 16% in 2Q 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 1.2% p.a. on average during the next 3 years, compared to a 3.9% growth forecast for the Insurance industry in Germany. Over the last 3 years on average, earnings per share has fallen by 6% per year but the company’s share price has increased by 21% per year, which means it is well ahead of earnings.お知らせ • Jul 18CNO Financial Group, Inc. to Report Q2, 2023 Results on Jul 31, 2023CNO Financial Group, Inc. announced that they will report Q2, 2023 results on Jul 31, 2023お知らせ • Jun 10CNO Financial Group, Inc. Announces Retirement of John R. Kline, Chief Accounting OfficerOn June 5, 2023, John R. Kline, Chief Accounting Officer of CNO Financial Group, Inc., informed the Company of his intention to retire effective December 31, 2023, after more than 30 years of service.Buying Opportunity • Jun 06Now 21% undervalued after recent price dropOver the last 90 days, the stock is down 12%. The fair value is estimated to be €26.69, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has grown by 11%. For the next 3 years, revenue is forecast to grow by 1.7% per annum. Earnings is also forecast to grow by 15% per annum over the same time period.Buying Opportunity • Jun 06Now 21% undervalued after recent price dropOver the last 90 days, the stock is down 12%. The fair value is estimated to be €26.69, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has grown by 11%. For the next 3 years, revenue is forecast to grow by 1.7% per annum. Earnings is also forecast to grow by 15% per annum over the same time period.Upcoming Dividend • Jun 01Upcoming dividend of US$0.15 per share at 2.8% yieldEligible shareholders must have bought the stock before 08 June 2023. Payment date: 23 June 2023. Payout ratio is a comfortable 30% and this is well supported by cash flows. Trailing yield: 2.8%. Lower than top quartile of German dividend payers (4.8%). Lower than average of industry peers (4.5%).Recent Insider Transactions • May 21Independent Director recently bought €254k worth of stockOn the 18th of May, Steven Shebik bought around 13k shares on-market at roughly €20.34 per share. This transaction amounted to 40% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was the only on-market transaction from insiders over the last 12 months.お知らせ • May 12CNO Financial Group, Inc. Appoints New DirectorsCNO Financial Group, Inc. appointed Archie M. Brown and Adrianne B. Lee as director, at its AGM on May 10, 2023.お知らせ • May 06CNO Financial Group, Inc. Increases Quarterly Cash Dividend, Payable on June 23, 2023CNO Financial Group, Inc. announced that its Board of Directors has approved a $0.01 per share increase in its quarterly dividend, its eleventh consecutive annual increase. The Board declared a quarterly cash dividend of $0.15 per share on the company's common shares. The dividend will be payable June 23, 2023, to shareholders of record at the close of business on June 9, 2023.Reported Earnings • May 03First quarter 2023 earnings released: US$0.007 loss per share (vs US$0.95 profit in 1Q 2022)First quarter 2023 results: US$0.007 loss per share (down from US$0.95 profit in 1Q 2022). Revenue: US$1.01b (up 19% from 1Q 2022). Net loss: US$800.0k (down 101% from profit in 1Q 2022). Revenue is forecast to grow 2.0% p.a. on average during the next 3 years, compared to a 5.6% growth forecast for the Insurance industry in Germany. Over the last 3 years on average, earnings per share has increased by 7% per year but the company’s share price has increased by 17% per year, which means it is tracking significantly ahead of earnings growth.Buying Opportunity • Apr 26Now 20% undervalued after recent price dropOver the last 90 days, the stock is down 16%. The fair value is estimated to be €24.56, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has grown by 15%. For the next 3 years, revenue is forecast to grow by 2.6% per annum. Earnings is forecast to decline by 1.1% per annum over the same time period.Valuation Update With 7 Day Price Move • Mar 15Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to €19.90, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 10x in the Insurance industry in Germany. Total returns to shareholders of 119% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €24.24 per share.Buying Opportunity • Mar 14Now 20% undervaluedThe stock has been flat over the last 90 days. The fair value is estimated to be €26.75, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has grown by 15%. For the next 3 years, revenue is forecast to grow by 2.6% per annum. Earnings is forecast to decline by 1.1% per annum over the same time period.Upcoming Dividend • Mar 02Upcoming dividend of US$0.14 per share at 2.2% yieldEligible shareholders must have bought the stock before 09 March 2023. Payment date: 24 March 2023. Payout ratio is a comfortable 16% and this is well supported by cash flows. Trailing yield: 2.2%. Lower than top quartile of German dividend payers (4.7%). Lower than average of industry peers (4.3%).お知らせ • Feb 17CNO Financial Group, Inc. Announces Board RetirementsCNO Financial Group, Inc. announced that Ellyn L. Brown and Fred J. Sievert have decided to retire from the company's Board of Directors at the conclusion of their current terms, which end upon the close of the annual meeting. Brown joined CNO's Board in May 2012 and serves as chair of the Governance and Nominating Committee and as a member of the Human Resources and Compensation Committee. Sievert joined CNO's Board in May 2011 and is a member of the Governance and Nominating Committee. He is also a current member and a past chair of the Human Resources and Compensation Committee. Ellyn Brown is no relation to Archie Brown.お知らせ • Feb 16+ 1 more updateCNO Financial Group, Inc., Annual General Meeting, May 10, 2023CNO Financial Group, Inc., Annual General Meeting, May 10, 2023, at 08:00 US Eastern Standard Time.Reported Earnings • Feb 08Full year 2022 earnings released: EPS: US$3.43 (vs US$3.44 in FY 2021)Full year 2022 results: EPS: US$3.43 (down from US$3.44 in FY 2021). Revenue: US$3.58b (down 13% from FY 2021). Net income: US$396.8m (down 10.0% from FY 2021). Profit margin: 11% (in line with FY 2021). Revenue is forecast to grow 2.4% p.a. on average during the next 3 years, compared to a 4.3% growth forecast for the Insurance industry in Germany. Over the last 3 years on average, earnings per share has increased by 15% per year but the company’s share price has only increased by 8% per year, which means it is significantly lagging earnings growth.お知らせ • Jan 25CNO Financial Group, Inc. to Report Q4, 2022 Results on Feb 07, 2023CNO Financial Group, Inc. announced that they will report Q4, 2022 results After-Market on Feb 07, 2023お知らせ • Dec 09CNO Financial Group, Inc. Announces Management ChangesCNO Financial Group, Inc. announced it is elevating two key senior leaders to the company's Executive Leadership Group: Jean Linnenbringer as chief operations officer and Mike Mead as chief information officer. Both appointments are effective January 1, 2023, and will report to Gary C. Bhojwani, chief executive officer. Linnenbringer has more than 30 years of operations management experience in the insurance and financial services industries. She joined CNO in 2015 and since August 2017 has served as the company's senior vice president of enterprise operations. As chief operations officer she will continue to lead new business and underwriting, customer service, claims, agent care, and operations support for the CNO family of brands, including Bankers Life, Colonial Penn, Optavise and Washington National. Mead has more than 25 years of experience in general management and technology leadership within the insurance industry. He joined CNO in 2018 as senior vice president and chief information officer. In his elevated role, he will continue to be responsible for strategy and execution of CNO's information technology, cybersecurity, IT infrastructure, and digital transformation. Linnenbringer and Mead succeed Bruce Baude, chief operations and technology officer, who is leaving his current role as of December 31, 2022. Linnenbringer joined CNO in June 2015 as vice president, customer service and was named senior vice president, enterprise operations in August 2017. Prior to joining CNO, she spent 15 years at Genworth Financial in multiple roles, including senior vice president and chief operational risk officer. Linnenbringer earned a Bachelor of Science degree in business administration from Strayer University and a Master of Emergency Management from the University of Richmond. Mead joined CNO in November 2018 as senior vice president and chief information officer. Prior to joining CNO, he spent 22 years at AIG, where he served as senior vice president and transformation executive with AIG Technologies responsible for delivering global transformation initiatives spanning technology and people. Mead holds a bachelor's degree in Business Administration from Texas Tech University and a Master of Business Administration from Southern Methodist University. He is a Certified Professional Coach and Certified SAFe 5 Agilist.Upcoming Dividend • Dec 01Upcoming dividend of US$0.14 per shareEligible shareholders must have bought the stock before 08 December 2022. Payment date: 23 December 2022. Payout ratio is a comfortable 14% and this is well supported by cash flows. Trailing yield: 2.4%. Lower than top quartile of German dividend payers (4.9%). Lower than average of industry peers (4.4%).お知らせ • Nov 10CNO Financial Group, Inc. Declares Quarterly Dividend, Payable on December 23, 2022CNO Financial Group, Inc. announced that its Board of Directors has declared a quarterly cash dividend of $0.14 per share on the company's common shares. The dividend will be payable December 23, 2022, to shareholders of record at the close of business on December 9, 2022.Reported Earnings • Nov 02Third quarter 2022 earnings released: EPS: US$0.92 (vs US$0.79 in 3Q 2021)Third quarter 2022 results: EPS: US$0.92 (up from US$0.79 in 3Q 2021). Revenue: US$905.3m (down 6.5% from 3Q 2021). Net income: US$105.0m (up 5.2% from 3Q 2021). Profit margin: 12% (up from 10% in 3Q 2021). The increase in margin was driven by lower expenses. Revenue is forecast to grow 2.0% p.a. on average during the next 3 years, compared to a 4.1% growth forecast for the Insurance industry in Germany. Over the last 3 years on average, earnings per share has increased by 24% per year but the company’s share price has only increased by 15% per year, which means it is significantly lagging earnings growth.お知らせ • Oct 18CNO Financial Group, Inc. to Report Q3, 2022 Results on Oct 31, 2022CNO Financial Group, Inc. announced that they will report Q3, 2022 results After-Market on Oct 31, 2022Upcoming Dividend • Sep 01Upcoming dividend of US$0.14 per shareEligible shareholders must have bought the stock before 08 September 2022. Payment date: 23 September 2022. Payout ratio is a comfortable 14% and this is well supported by cash flows. Trailing yield: 3.0%. Lower than top quartile of German dividend payers (4.7%). Lower than average of industry peers (5.3%).お知らせ • Aug 11CNO Financial Group Declares Quarterly Dividend, Payable on September 23, 2022CNO Financial Group, Inc. announced that its Board of Directors has declared a quarterly cash dividend of $0.14 per share on the company's common shares. The dividend will be payable September 23, 2022, to shareholders of record at the close of business on September 9, 2022.Reported Earnings • Aug 02Second quarter 2022 earnings released: EPS: US$1.18 (vs US$0.59 in 2Q 2021)Second quarter 2022 results: EPS: US$1.18 (up from US$0.59 in 2Q 2021). Revenue: US$855.0m (down 20% from 2Q 2021). Net income: US$136.1m (up 75% from 2Q 2021). Profit margin: 16% (up from 7.3% in 2Q 2021). The increase in margin was driven by lower expenses. Over the next year, revenue is expected to shrink by 2.7% compared to a 22% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 45% per year but the company’s share price has only increased by 11% per year, which means it is significantly lagging earnings growth.お知らせ • Jul 19CNO Financial Group, Inc. to Report Q2, 2022 Results on Aug 01, 2022CNO Financial Group, Inc. announced that they will report Q2, 2022 results After-Market on Aug 01, 2022お知らせ • Jun 03+ 1 more updateCNO Financial Group, Inc. Appoints Brian Schneider as Chief Risk OfficerCNO Financial Group, Inc. announced the appointment of Brian Schneider as vice president, enterprise risk management (ERM) and chief risk officer (CRO), effective immediately. Schneider reports to Chief Actuary Karen DeToro, who had previously served as the company's chief risk officer since June 2020. As chief risk officer, Schneider is responsible for the overall risk management strategy for CNO. Working closely with company leadership, he leads practices related to risk governance, business continuity management, model governance, as well as strategic and emerging risk management. Schneider joined CNO in 2021 as vice president, enterprise risk management. Before joining CNO, he served as director of ERM at CNA Insurance, where he was responsible for enterprise-level risk identification, assessment, monitoring, and reporting. Schneider has also held various risk management and insurance and consulting roles at Liberty Mutual, GCM Grosvenor and Navigant Consulting. Schneider earned both his Bachelor of Science in finance and a Master of Business Administration in finance and strategic management from the University of Illinois. He holds the associate in risk management (ARM-E) designation.Upcoming Dividend • Jun 02Upcoming dividend of US$0.14 per shareEligible shareholders must have bought the stock before 09 June 2022. Payment date: 24 June 2022. Payout ratio is a comfortable 16% and this is well supported by cash flows. Trailing yield: 2.7%. Lower than top quartile of German dividend payers (4.2%). Lower than average of industry peers (5.0%).Recent Insider Transactions • May 25Independent Director recently bought €55k worth of stockOn the 19th of May, David Foss bought around 3k shares on-market at roughly €18.45 per share. This was the largest purchase by an insider in the last 3 months. Despite this recent purchase, insiders have collectively sold €150k more in shares than they bought in the last 12 months.お知らせ • May 08CNO Financial Group, Inc. Declares Quarterly Cash Dividend on the Company's Common Shares, Payable June 24, 2022CNO Financial Group, Inc. announced that its Board of Directors has approved a $0.01 per share increase in its quarterly dividend, its tenth consecutive annual increase. The Board declared a quarterly cash dividend of $0.14 per share on the company's common shares. The dividend will be payable June 24, 2022, to shareholders of record at the close of business on June 10, 2022.Reported Earnings • May 04First quarter 2022 earnings released: EPS: US$0.95 (vs US$1.10 in 1Q 2021)First quarter 2022 results: EPS: US$0.95 (down from US$1.10 in 1Q 2021). Revenue: US$842.9m (down 16% from 1Q 2021). Net income: US$112.3m (down 24% from 1Q 2021). Profit margin: 13% (down from 15% in 1Q 2021). The decrease in margin was driven by lower revenue. Over the next year, revenue is expected to shrink by 8.7% compared to a 20% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 61% per year but the company’s share price has only increased by 16% per year, which means it is significantly lagging earnings growth.お知らせ • Apr 19CNO Financial Group, Inc. to Report Q1, 2022 Results on May 02, 2022CNO Financial Group, Inc. announced that they will report Q1, 2022 results After-Market on May 02, 2022お知らせ • Mar 30Robert Carl Greving Will Retire from the Board of CNO Financial Group, IncMr. Robert Carl Greving will retire from the Board of CNO Financial Group, Inc. at the conclusion of his current term, which ends at the close of the Annual Meeting, to be held on May 19, 2022 .Recent Insider Transactions • Mar 06Independent Director recently sold €276k worth of stockOn the 25th of February, Frederick Sievert sold around 13k shares on-market at roughly €21.90 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €899k more than they bought in the last 12 months.Upcoming Dividend • Mar 02Upcoming dividend of US$0.13 per shareEligible shareholders must have bought the stock before 09 March 2022. Payment date: 24 March 2022. Payout ratio is a comfortable 15% and this is well supported by cash flows. Trailing yield: 2.3%. Lower than top quartile of German dividend payers (3.4%). Lower than average of industry peers (4.4%).お知らせ • Feb 17+ 2 more updatesCNO Financial Group, Inc., Annual General Meeting, May 19, 2022CNO Financial Group, Inc., Annual General Meeting, May 19, 2022, at 08:00 US Eastern Standard Time. Agenda: To consider that Robert Greving will retire from the company's Board of Directors at the conclusion of current term.Reported Earnings • Feb 09Full year 2021 earnings: EPS in line with analyst expectations despite revenue beatFull year 2021 results: EPS: US$3.44 (up from US$2.12 in FY 2020). Revenue: US$4.12b (up 7.9% from FY 2020). Net income: US$441.0m (up 46% from FY 2020). Profit margin: 11% (up from 7.9% in FY 2020). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 13%. Over the next year, revenue is expected to shrink by 11% compared to a 15% growth forecast for the insurance industry in Germany. Over the last 3 years on average, earnings per share has increased by 76% per year but the company’s share price has only increased by 11% per year, which means it is significantly lagging earnings growth.Upcoming Dividend • Dec 02Upcoming dividend of US$0.13 per shareEligible shareholders must have bought the stock before 09 December 2021. Payment date: 24 December 2021. Trailing yield: 2.4%. Lower than top quartile of German dividend payers (3.3%). Lower than average of industry peers (4.3%).Reported Earnings • Oct 29Third quarter 2021 earnings released: EPS US$0.79 (vs US$0.92 in 3Q 2020)The company reported a poor third quarter result with weaker earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$968.3m (down 4.5% from 3Q 2020). Net income: US$99.8m (down 23% from 3Q 2020). Profit margin: 10% (down from 13% in 3Q 2020). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 88% per year but the company’s share price has only increased by 10% per year, which means it is significantly lagging earnings growth.Executive Departure • Sep 07Co-President of Worksite Division Michael Heard has left the companyOn the 31st of August, Michael Heard's tenure as Co-President of Worksite Division ended after 8.2 years in the role. As of June 2021, Michael still personally held 36.01k shares (€706k worth at the time). A total of 2 executives have left over the last 12 months. The current median tenure of the management team is 4.92 years.Upcoming Dividend • Sep 02Upcoming dividend of US$0.13 per shareEligible shareholders must have bought the stock before 09 September 2021. Payment date: 24 September 2021. Trailing yield: 2.1%. Lower than top quartile of German dividend payers (3.1%). Lower than average of industry peers (4.3%).株主還元COSDE InsuranceDE 市場7D-0.9%2.6%4.3%1Y41.6%6.1%2.9%株主還元を見る業界別リターン: COS過去 1 年間で6.1 % の収益を上げたGerman Insurance業界を上回りました。リターン対市場: COS過去 1 年間で2.9 % の収益を上げたGerman市場を上回りました。価格変動Is COS's price volatile compared to industry and market?COS volatilityCOS Average Weekly Movement3.0%Insurance Industry Average Movement3.2%Market Average Movement5.6%10% most volatile stocks in DE Market12.6%10% least volatile stocks in DE Market2.7%安定した株価: COS 、 German市場と比較して、過去 3 か月間で大きな価格変動はありませんでした。時間の経過による変動: COSの 週次ボラティリティ ( 3% ) は過去 1 年間安定しています。会社概要設立従業員CEO（最高経営責任者ウェブサイト19793,300Gary Bhojwaniwww.cnoinc.comCNO Financial Group, Inc.は、その子会社を通じ、米国の中間所得層の退職前および退職後のアメリカ人向けに、医療保険、年金、個人生命保険、保険商品、金融サービスの開発、販売、管理を行っている。メディケア補足保険、補足医療保険、長期介護保険、生命保険、年金保険、メディケア・アドバンテージ・プランを、電話、バーチャル、オンライン、代理店との対面を通じて個人消費者に提供している。同社はまた、企業、団体、その他の会員制グループ向けに、顧客の勤務先での対話を通じて、任意給付の生命保険や医療保険商品の販売にも力を入れている。加えて、定額インデックス年金保険、定額単回およびフレキシブル保険料据置年金保険を含む定額利息年金保険、単回保険料即時年金保険、特定疾病、傷害、病院補償商品などの補足的医療商品、介護保険プランを、主に退職者、程度の低い人、中所得市場の高齢自営業者に提供している。さらに、ユニバーサル・ライフやその他の金利感応型生命保険商品、終身保険、等級別給付終身保険、定期保険、一時払終身保険、等級別給付終身保険を含む伝統的生命保険も提供している。バンカーズ・ライフ、ワシントン・ナショナル、コロニアル・ペンのブランド名で商品を販売している。同社は 1979 年に設立され、インディアナ州カーメルに本社を置いている。もっと見るCNO Financial Group, Inc. 基礎のまとめCNO Financial Group の収益と売上を時価総額と比較するとどうか。COS 基礎統計学時価総額€4.28b収益（TTM）€214.57m売上高(TTM)€3.94b20.0xPER（株価収益率1.1xP/SレシオCOS は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計COS 損益計算書（TTM）収益US$4.51b売上原価US$2.76b売上総利益US$1.76bその他の費用US$1.51b収益US$245.50m直近の収益報告Mar 31, 2026次回決算日該当なし一株当たり利益（EPS）2.63グロス・マージン38.90%純利益率5.44%有利子負債／自己資本比率172.2%COS の長期的なパフォーマンスは？過去の実績と比較を見る配当金1.4%現在の配当利回り27%配当性向View Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/07/06 15:51終値2026/07/06 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレークこのレポートを生成するために使用した分析モデルの詳細は、当社の Github ページ でご覧いただけます。また、レポートの使い方に関する ガイド や YouTube の チュートリアル もご用意しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋CNO Financial Group, Inc. 4 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。15 アナリスト機関Jack MattenBMO Capital Markets Equity ResearchRandy BinnerB. Riley Securities, Inc.Mark PalmerBTIG12 その他のアナリストを表示
Upcoming Dividend • Jun 04Upcoming dividend of US$0.18 per shareEligible shareholders must have bought the stock before 10 June 2026. Payment date: 24 June 2026. Payout ratio is a comfortable 27% and this is well supported by cash flows. Trailing yield: 1.5%. Lower than top quartile of German dividend payers (4.6%). Lower than average of industry peers (4.8%).
Declared Dividend • May 20First quarter dividend of US$0.18 announcedShareholders will receive a dividend of US$0.18. Ex-date: 10th June 2026 Payment date: 24th June 2026 Dividend yield will be 1.5%, which is lower than the industry average of 3.8%. Sustainability & Growth Dividend is well covered by both earnings (27% earnings payout ratio) and cash flows (10% cash payout ratio). The dividend has increased by an average of 9.9% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 84% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
お知らせ • May 07CNO Financial Group, Inc. Declares Quarterly Cash Dividend, Payable June 24, 2026CNO Financial Group, Inc. announced that its Board of Directors has approved a $0.01 per share increase in its quarterly dividend. This marks the 14 consecutive annual increase by the company. The Board declared a quarterly cash dividend of $0.18 per share on the company's common shares. The dividend will be payable June 24, 2026, to shareholders of record at the close of business on June 10, 2026.
お知らせ • Apr 17CNO Financial Group, Inc. to Report Q1, 2026 Results on Apr 30, 2026CNO Financial Group, Inc. announced that they will report Q1, 2026 results After-Market on Apr 30, 2026
お知らせ • Feb 12+ 2 more updatesCNO Financial Group, Inc., Annual General Meeting, May 12, 2026CNO Financial Group, Inc., Annual General Meeting, May 12, 2026.
お知らせ • Jan 22CNO Financial Group, Inc. Announces Executive PromotionsCNO Financial Group, Inc. announced the promotions of Steve Janoson to Senior Vice President, Direct and Independent Distribution and Rachel Spehler to Senior Vice President, Deputy General Counsel and Secretary. Both promotions are effective immediately. Janoson most recently served as Vice President, Direct and Independent Distribution, a position he held since 2020. Previously, he served as Vice President, Financial Planning and Analysis for the company's Colonial Penn brand and in various finance roles since joining CNO in 2014. Spehler most recently served as Vice President, Deputy General Counsel and Secretary, a role she held since 2020, and as General Counsel of CNO Bermuda Re since 2023. She joined CNO in 2016 as Vice President, Deputy General Counsel and Chief Compliance Officer of 40|86 Advisors, the company's wholly owned registered investment advisor.
Upcoming Dividend • Jun 04Upcoming dividend of US$0.18 per shareEligible shareholders must have bought the stock before 10 June 2026. Payment date: 24 June 2026. Payout ratio is a comfortable 27% and this is well supported by cash flows. Trailing yield: 1.5%. Lower than top quartile of German dividend payers (4.6%). Lower than average of industry peers (4.8%).
Declared Dividend • May 20First quarter dividend of US$0.18 announcedShareholders will receive a dividend of US$0.18. Ex-date: 10th June 2026 Payment date: 24th June 2026 Dividend yield will be 1.5%, which is lower than the industry average of 3.8%. Sustainability & Growth Dividend is well covered by both earnings (27% earnings payout ratio) and cash flows (10% cash payout ratio). The dividend has increased by an average of 9.9% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 84% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
お知らせ • May 07CNO Financial Group, Inc. Declares Quarterly Cash Dividend, Payable June 24, 2026CNO Financial Group, Inc. announced that its Board of Directors has approved a $0.01 per share increase in its quarterly dividend. This marks the 14 consecutive annual increase by the company. The Board declared a quarterly cash dividend of $0.18 per share on the company's common shares. The dividend will be payable June 24, 2026, to shareholders of record at the close of business on June 10, 2026.
お知らせ • Apr 17CNO Financial Group, Inc. to Report Q1, 2026 Results on Apr 30, 2026CNO Financial Group, Inc. announced that they will report Q1, 2026 results After-Market on Apr 30, 2026
お知らせ • Feb 12+ 2 more updatesCNO Financial Group, Inc., Annual General Meeting, May 12, 2026CNO Financial Group, Inc., Annual General Meeting, May 12, 2026.
お知らせ • Jan 22CNO Financial Group, Inc. Announces Executive PromotionsCNO Financial Group, Inc. announced the promotions of Steve Janoson to Senior Vice President, Direct and Independent Distribution and Rachel Spehler to Senior Vice President, Deputy General Counsel and Secretary. Both promotions are effective immediately. Janoson most recently served as Vice President, Direct and Independent Distribution, a position he held since 2020. Previously, he served as Vice President, Financial Planning and Analysis for the company's Colonial Penn brand and in various finance roles since joining CNO in 2014. Spehler most recently served as Vice President, Deputy General Counsel and Secretary, a role she held since 2020, and as General Counsel of CNO Bermuda Re since 2023. She joined CNO in 2016 as Vice President, Deputy General Counsel and Chief Compliance Officer of 40|86 Advisors, the company's wholly owned registered investment advisor.
お知らせ • Jan 21CNO Financial Group, Inc. to Report Q4, 2025 Results on Feb 05, 2026CNO Financial Group, Inc. announced that they will report Q4, 2025 results After-Market on Feb 05, 2026
お知らせ • Jan 16CNO Financial Group, Inc. Appoints Linda Gibson as Director and to Audit and Enterprise Risk Committee and the Investment Committee of the Board, Effective January 15, 2026CNO Financial Group announced that its board of directors has appointed Linda Gibson as a Director, effective immediately. Ms. Gibson was also appointed to the Audit and Enterprise Risk Committee and the Investment Committee of the Board. Gibson is the former Chairperson and Chief Executive Officer of PGIM Quantitative Solutions, which is the quantitative equity and multi-asset specialist within Prudential Financial's global investment management business. Gibson's appointment increases the size of the CNO Board to 10 directors. As the Chairperson and Chief Executive Officer of PGIM Quantitative Solutions from 2021 to 2025, Gibson set the global strategic direction for the firm including oversight of PGIM Wadhwani, its London-based alternatives manager. She also served as Chief Business Officer from 2019 to 2021 with accountability for a wide range of functions. Prior to joining PGIM Quantitative Solutions, Gibson served as Executive Vice President and Head of Global Distribution for OMAM Asset Management, now Acadian Asset Management, and Chief Executive Officer of OMAM International. During her 17 years at the firm, she held various executive and global strategy positions, including Interim Chief Executive Officer, Chief Operating Officer, Head of Affiliate Management and General Counsel. Gibson received a bachelor's degree in mathematics from Bates College and a Juris Doctor degree from Boston University School of Law.
お知らせ • Nov 13CNO Financial Group, Inc. Declares a Quarterly Cash Dividend, Payable on December 23, 2025CNO Financial Group, Inc. announced that its Board of Directors has declared a quarterly cash dividend of $0.17 per share on the company's common shares. The dividend will be payable December 23, 2025, to shareholders of record at the close of business on December 10, 2025.
お知らせ • Nov 05CNO Financial Group, Inc. Updates Earnings Guidance for the Fiscal Year 2025CNO Financial Group, Inc. updated earnings guidance for the fiscal year 2025. The company narrowing operating earnings per share range to $3.75 to $3.85 while maintaining the same midpoint.
お知らせ • Oct 15CNO Financial Group, Inc. to Report Q3, 2025 Results on Nov 03, 2025CNO Financial Group, Inc. announced that they will report Q3, 2025 results at 4:00 PM, Eastern Standard Time on Nov 03, 2025
お知らせ • Sep 25CNO Financial Group, Inc. (NYSE:CNO) agreed to acquire an unknown minority stake in Victory Park Capital Advisors, LLC.CNO Financial Group, Inc. (NYSE:CNO) agreed to acquire an unknown minority stake in Victory Park Capital Advisors, LLC from Janus Henderson Group on September 24, 2025. Following the acquisition, Janus Henderson Group will remain the majority owner of Victory Park Capital Advisors. The transaction is expected to close on October 1, 2025. Ardea Partners served as exclusive financial advisor to Victory Park Capital Advisors and Janus Henderson Group. Piper Sandler & Co. served as exclusive financial advisor to CNO Financial Group. Kirkland & Ellis LLP acted as legal counsel to Victory Park Capital Advisors and Janus Henderson Group, and Mayer Brown LLP acted as legal counsel to CNO Financial Group.
お知らせ • Aug 07CNO Financial Group, Inc. Declares Quarterly Cash Dividend, Payable on September 24, 2025CNO Financial Group, Inc. announced that its Board of Directors has declared a quarterly cash dividend of $0.17 per share on the company's common shares. The dividend will be payable September 24, 2025, to shareholders of record at the close of business on September 10, 2025.
お知らせ • Jul 15CNO Financial Group, Inc. to Report Q2, 2025 Results on Jul 28, 2025CNO Financial Group, Inc. announced that they will report Q2, 2025 results at 4:00 PM, Eastern Standard Time on Jul 28, 2025
お知らせ • May 04CNO Financial Group Announces Increase of Quarterly Dividend, Payable on June 24, 2025CNO Financial Group, Inc. announced that its Board of Directors has approved a $0.01 per share increase in its quarterly dividend, its thirteenth consecutive annual increase. The Board declared a quarterly cash dividend of $0.17 per share on the company's common shares. The dividend will be payable June 24, 2025, to shareholders of record at the close of business on June 10, 2025.
お知らせ • Apr 15CNO Financial Group, Inc. to Report Q1, 2025 Results on Apr 28, 2025CNO Financial Group, Inc. announced that they will report Q1, 2025 results at 4:00 PM, US Eastern Standard Time on Apr 28, 2025
お知らせ • Feb 13+ 1 more updateCNO Financial Group, Inc., Annual General Meeting, May 08, 2025CNO Financial Group, Inc., Annual General Meeting, May 08, 2025.
お知らせ • Jan 23CNO Financial Group, Inc. to Report Q4, 2024 Results on Feb 06, 2025CNO Financial Group, Inc. announced that they will report Q4, 2024 results at 4:00 PM, US Eastern Standard Time on Feb 06, 2025
お知らせ • Jan 04CNO Financial Group, Inc. Announces Executive ChangesCNO Financial Group, Inc. announced that Joel T. Koehneman, age 39, was named chief accounting officer of the company, effective January 21, 2025. He will report to Chief Financial Officer Paul McDonough. Mr. Koehneman brings extensive experience in public accounting to CNO. Mr. Koehneman worked in the audit practice of PricewaterhouseCoopers LLP, focused primarily on life insurance clients, from 2008 to 2023, including serving as a director from 2019 to 2023. In 2024, he served as a Finance Director at CDW Corporation. Mr. Koehneman earned a bachelor’s degree in accountancy and a master’s degree in accounting science, both from the University of Illinois, and he is a Certified Public Accountant. On January 2, 2025, the company notified Michellen A. Wildin, the Company’s current chief accounting officer, of her replacement. Ms. Wildin will remain chief accounting officer of CNO through January 20, 2025 and is expected to remain with the Company through April 1, 2025 to support the transition.
お知らせ • Nov 15CNO Financial Group, Inc. Declares Quarterly Cash Dividend, Payable on December 24, 2024CNO Financial Group, Inc. announced that its Board of Directors has declared a quarterly cash dividend of $0.16 per share on the company's common shares. The dividend will be payable December 24, 2024, to shareholders of record at the close of business on December 10, 2024.
Reported Earnings • Nov 01Third quarter 2024 earnings released: EPS: US$0.088 (vs US$1.49 in 3Q 2023)Third quarter 2024 results: EPS: US$0.088 (down from US$1.49 in 3Q 2023). Revenue: US$1.13b (up 19% from 3Q 2023). Net income: US$9.30m (down 94% from 3Q 2023). Profit margin: 0.8% (down from 18% in 3Q 2023). The decrease in margin was driven by higher expenses. Revenue is expected to decline by 1.7% p.a. on average during the next 3 years, while revenues in the Insurance industry in Europe are expected to grow by 4.9%. Over the last 3 years on average, earnings per share has fallen by 16% per year but the company’s share price has increased by 13% per year, which means it is well ahead of earnings.
お知らせ • Oct 15CNO Financial Group, Inc. to Report Q3, 2024 Results on Oct 31, 2024CNO Financial Group, Inc. announced that they will report Q3, 2024 results After-Market on Oct 31, 2024
お知らせ • Oct 02CNO Financial Group Inc Appoints Jess Turner to its Board of DirectorsCNO Financial Group, Inc. announced that its board of directors has appointed Jess Turner as a director, effective immediately. Turner is Executive Vice President and Global Head of Open Banking and API at Mastercard, and is a member of its Management Committee. Turner's appointment increases the size of the CNO board to nine directors. In her role as Executive Vice President and Global Head of Open Banking and API at Mastercard, Turner leads the development and build-out of new products and technologies to enable the future of open banking, while driving innovation with key partners across the ecosystem, including fintech companies and governments globally. Before this leadership position, she served as the Executive Vice President of New Digital Infrastructure and Fintech, where she led the strategy, design, development and commercialization of Mastercard's blockchain, digital assets, crypto and open banking products. In more than 18 years at Mastercard, she has been responsible for delivering both product and digital solutions and advancing the company's inclusive growth strategy in North America. Prior to joining Mastercard, she led product development at Affinion Loyalty Group after beginning her career at Capital One. Turner received a bachelor's degree in business administration from the University of Miami.
Upcoming Dividend • Sep 03Upcoming dividend of US$0.16 per shareEligible shareholders must have bought the stock before 10 September 2024. Payment date: 24 September 2024. Payout ratio is a comfortable 16% and this is well supported by cash flows. Trailing yield: 1.8%. Lower than top quartile of German dividend payers (4.8%). Lower than average of industry peers (3.9%).
Declared Dividend • Aug 12Second quarter dividend of US$0.16 announcedShareholders will receive a dividend of US$0.16. Ex-date: 10th September 2024 Payment date: 24th September 2024 Dividend yield will be 2.0%, which is lower than the industry average of 3.8%. Sustainability & Growth Dividend is well covered by both earnings (16% earnings payout ratio) and cash flows (12% cash payout ratio). The dividend has increased by an average of 18% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to remain steady over the next 3 years, which should provide adequate earnings cover for the dividend.
お知らせ • Aug 08CNO Financial Group, Inc. Declares Quarterly Dividend, Payable on September 24, 2024CNO Financial Group, Inc. announced that its Board of Directors has declared a quarterly cash dividend of $0.16 per share on the company's common shares. The dividend will be payable September 24, 2024, to shareholders of record at the close of business on September 10, 2024.
Reported Earnings • Jul 30Second quarter 2024 earnings released: EPS: US$1.08 (vs US$0.65 in 2Q 2023)Second quarter 2024 results: EPS: US$1.08 (up from US$0.65 in 2Q 2023). Revenue: US$1.07b (up 4.2% from 2Q 2023). Net income: US$116.3m (up 58% from 2Q 2023). Profit margin: 11% (up from 7.2% in 2Q 2023). Revenue is forecast to stay flat during the next 3 years compared to a 6.1% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 9% per year but the company’s share price has increased by 14% per year, which means it is well ahead of earnings.
お知らせ • Jul 16CNO Financial Group, Inc. to Report Q2, 2024 Results on Jul 29, 2024CNO Financial Group, Inc. announced that they will report Q2, 2024 results After-Market on Jul 29, 2024
Upcoming Dividend • Jun 03Upcoming dividend of US$0.16 per shareEligible shareholders must have bought the stock before 10 June 2024. Payment date: 24 June 2024. Payout ratio is a comfortable 17% and this is well supported by cash flows. Trailing yield: 2.2%. Lower than top quartile of German dividend payers (4.6%). Lower than average of industry peers (4.2%).
Declared Dividend • May 13First quarter dividend of US$0.16 announcedShareholders will receive a dividend of US$0.16. Ex-date: 10th June 2024 Payment date: 24th June 2024 Dividend yield will be 2.2%, which is lower than the industry average of 3.8%. Sustainability & Growth Dividend is well covered by both earnings (17% earnings payout ratio) and cash flows (11% cash payout ratio). The dividend has increased by an average of 17% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 9.8% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
New Risk • May 06New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.03% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (15% operating cash flow to total debt). Earnings are forecast to decline by an average of 0.03% per year for the foreseeable future.
お知らせ • May 06CNO Financial Group Approves Quarterly Dividend, Payable on June 24, 2024CNO Financial Group, Inc. announced that its Board of Directors has approved a $0.01 per share increase in its quarterly dividend, its twelfth consecutive annual increase. The Board declared a quarterly cash dividend of $0.16 per share on the company's common shares. The dividend will be payable June 24, 2024, to shareholders of record at the close of business on June 10, 2024.
Reported Earnings • Apr 30First quarter 2024 earnings released: EPS: US$1.03 (vs US$0.007 loss in 1Q 2023)First quarter 2024 results: EPS: US$1.03 (up from US$0.007 loss in 1Q 2023). Revenue: US$1.16b (up 15% from 1Q 2023). Net income: US$112.3m (up US$113.1m from 1Q 2023). Profit margin: 9.7% (up from net loss in 1Q 2023). The move to profitability was driven by higher revenue. Revenue is forecast to stay flat during the next 3 years compared to a 6.7% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, earnings per share has fallen by 21% per year but the company’s share price has increased by 5% per year, which means it is well ahead of earnings.
お知らせ • Apr 16CNO Financial Group, Inc. to Report Q1, 2024 Results on Apr 29, 2024CNO Financial Group, Inc. announced that they will report Q1, 2024 results After-Market on Apr 29, 2024
Upcoming Dividend • Feb 29Upcoming dividend of US$0.15 per shareEligible shareholders must have bought the stock before 07 March 2024. Payment date: 22 March 2024. Payout ratio is a comfortable 24% and this is well supported by cash flows. Trailing yield: 2.2%. Lower than top quartile of German dividend payers (5.2%). Lower than average of industry peers (3.7%).
Reported Earnings • Feb 26Full year 2023 earnings released: EPS: US$2.44 (vs US$5.45 in FY 2022)Full year 2023 results: EPS: US$2.44 (down from US$5.45 in FY 2022). Revenue: US$4.15b (up 16% from FY 2022). Net income: US$276.5m (down 56% from FY 2022). Profit margin: 6.7% (down from 18% in FY 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to stay flat during the next 3 years compared to a 13% growth forecast for the Insurance industry in Germany. Over the last 3 years on average, earnings per share has fallen by 17% per year but the company’s share price has increased by 7% per year, which means it is well ahead of earnings.
Declared Dividend • Feb 19Fourth quarter dividend of US$0.15 announcedShareholders will receive a dividend of US$0.15. Ex-date: 7th March 2024 Payment date: 22nd March 2024 Dividend yield will be 2.2%, which is lower than the industry average of 3.8%. Sustainability & Growth Dividend is well covered by both earnings (24% earnings payout ratio) and cash flows (12% cash payout ratio). The dividend has increased by an average of 22% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 38% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
お知らせ • Feb 14+ 2 more updatesCNO Financial Group, Inc. Announces Retirement of Stephen David from Board of DirectorsCNO Financial Group, Inc. announced that Stephen David will retire from the company's Board of Directors at the conclusion of his current term, which ends upon the close of the annual meeting. David joined CNO's Board in 2017 and serves as a member of the Audit and Enterprise Risk Committee and of the Governance and Nominating Committee. Following David's retirement, the CNO Board will be comprised of eight directors.
Reported Earnings • Feb 07Full year 2023 earnings released: EPS: US$2.44 (vs US$3.43 in FY 2022)Full year 2023 results: EPS: US$2.44 (down from US$3.43 in FY 2022). Revenue: US$4.15b (up 16% from FY 2022). Net income: US$276.5m (down 30% from FY 2022). Profit margin: 6.7% (down from 11% in FY 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to stay flat during the next 3 years compared to a 8.1% growth forecast for the Insurance industry in Germany. Over the last 3 years on average, earnings per share has fallen by 20% per year but the company’s share price has increased by 8% per year, which means it is well ahead of earnings.
お知らせ • Jan 24CNO Financial Group, Inc. to Report Q4, 2023 Results on Feb 06, 2024CNO Financial Group, Inc. announced that they will report Q4, 2023 results After-Market on Feb 06, 2024
Upcoming Dividend • Nov 30Upcoming dividend of US$0.15 per share at 2.3% yieldEligible shareholders must have bought the stock before 07 December 2023. Payment date: 22 December 2023. The company is paying out more than 100% of its profits but is generating plenty of cash to support the dividend. Trailing yield: 2.3%. Lower than top quartile of German dividend payers (5.1%). Lower than average of industry peers (3.9%).
お知らせ • Nov 11CNO Financial Group Declares Quarterly Dividend, Payable on December 22, 2023CNO Financial Group, Inc. announced that its Board of Directors has declared a quarterly cash dividend of $0.15 per share on the company's common shares. The dividend will be payable December 22, 2023, to shareholders of record at the close of business on December 8, 2023.
Reported Earnings • Nov 07Third quarter 2023 earnings released: EPS: US$1.49 (vs US$0.92 in 3Q 2022)Third quarter 2023 results: EPS: US$1.49 (up from US$0.92 in 3Q 2022). Revenue: US$947.5m (up 4.7% from 3Q 2022). Net income: US$167.3m (up 59% from 3Q 2022). Profit margin: 18% (up from 12% in 3Q 2022). The increase in margin was primarily driven by higher revenue. Revenue is forecast to stay flat during the next 3 years compared to a 3.7% growth forecast for the Insurance industry in Germany. Over the last 3 years on average, earnings per share has fallen by 18% per year but the company’s share price has increased by 9% per year, which means it is well ahead of earnings.
お知らせ • Oct 27+ 1 more updateCNO Financial Group, Inc. to Report Q3, 2023 Results on Nov 06, 2023CNO Financial Group, Inc. announced that they will report Q3, 2023 results After-Market on Nov 06, 2023
お知らせ • Oct 17CNO Financial Group, Inc. Announces Executive ChangesCNO Financial Group, Inc. has named Michellen Wildin senior vice president of accounting effective October 23, 2023, and chief accounting officer (CAO) effective January 1, 2024. She will report to Chief Financial Officer Paul McDonough. Wildin most recently served as senior vice president, financial planning and analysis at F&G Annuities & Life, Inc., where she was a member of the company's Executive Committee. Previously, she held executive leadership positions at New York Life, including serving as vice president, corporate budget and expense analytics and chief financial officer of NYL Direct. She has also held senior-level accounting, finance, strategy and operations roles at Aviva and ING. Wildin began her career at EY and is a Certified Public Accountant. She earned a bachelor's degree in accounting from the University of Northern Iowa. Wildin will succeed John Kline as CAO, who is retiring from CNO on December 31, 2023, after a distinguished 30-year career with the company. Kline will remain CAO through the end of the year to ensure a seamless transition.
Upcoming Dividend • Aug 31Upcoming dividend of US$0.15 per share at 2.6% yieldEligible shareholders must have bought the stock before 07 September 2023. Payment date: 22 September 2023. The company is paying out more than 100% of its profits but is generating plenty of cash to support the dividend. Trailing yield: 2.6%. Lower than top quartile of German dividend payers (4.9%). Lower than average of industry peers (4.1%).
お知らせ • Aug 10CNO Financial Group, Inc. Declares Quarterly Dividend, Payable on September 22, 2023CNO Financial Group, Inc. announced that its Board of Directors has declared a quarterly cash dividend of $0.15 per share on the company's common shares. The dividend will be payable September 22, 2023, to shareholders of record at the close of business on September 8, 2023.
New Risk • Aug 04New minor risk - Dividend sustainabilityThe dividend is not well covered by earnings. Payout ratio: 123% Dividend yield: 2.4% This is considered a minor risk. Companies that pay out too much of their earnings are at risk of having to reduce or cut their dividend in future. If earnings growth slows or earnings fall, then there may not be enough earnings to maintain the same dividend. Or in extreme cases, companies may opt to dig into capital reserves or take on debt to maintain the dividend. However, this risk is mitigated by the fact the dividend is covered by cash flows. For dividend paying companies, any reduction in the dividend can significantly impact the share price. Currently, the following risks have been identified for the company: Major Risk Interest payments are not well covered by earnings (1.4x net interest cover). Minor Risks Dividend is not well covered by earnings (123% payout ratio). Profit margins are more than 30% lower than last year (1.4% net profit margin).
Reported Earnings • Aug 01Second quarter 2023 earnings released: EPS: US$0.65 (vs US$1.18 in 2Q 2022)Second quarter 2023 results: EPS: US$0.65 (down from US$1.18 in 2Q 2022). Revenue: US$1.02b (up 20% from 2Q 2022). Net income: US$73.7m (down 46% from 2Q 2022). Profit margin: 7.2% (down from 16% in 2Q 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 1.2% p.a. on average during the next 3 years, compared to a 3.9% growth forecast for the Insurance industry in Germany. Over the last 3 years on average, earnings per share has fallen by 6% per year but the company’s share price has increased by 21% per year, which means it is well ahead of earnings.
お知らせ • Jul 18CNO Financial Group, Inc. to Report Q2, 2023 Results on Jul 31, 2023CNO Financial Group, Inc. announced that they will report Q2, 2023 results on Jul 31, 2023
お知らせ • Jun 10CNO Financial Group, Inc. Announces Retirement of John R. Kline, Chief Accounting OfficerOn June 5, 2023, John R. Kline, Chief Accounting Officer of CNO Financial Group, Inc., informed the Company of his intention to retire effective December 31, 2023, after more than 30 years of service.
Buying Opportunity • Jun 06Now 21% undervalued after recent price dropOver the last 90 days, the stock is down 12%. The fair value is estimated to be €26.69, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has grown by 11%. For the next 3 years, revenue is forecast to grow by 1.7% per annum. Earnings is also forecast to grow by 15% per annum over the same time period.
Buying Opportunity • Jun 06Now 21% undervalued after recent price dropOver the last 90 days, the stock is down 12%. The fair value is estimated to be €26.69, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has grown by 11%. For the next 3 years, revenue is forecast to grow by 1.7% per annum. Earnings is also forecast to grow by 15% per annum over the same time period.
Upcoming Dividend • Jun 01Upcoming dividend of US$0.15 per share at 2.8% yieldEligible shareholders must have bought the stock before 08 June 2023. Payment date: 23 June 2023. Payout ratio is a comfortable 30% and this is well supported by cash flows. Trailing yield: 2.8%. Lower than top quartile of German dividend payers (4.8%). Lower than average of industry peers (4.5%).
Recent Insider Transactions • May 21Independent Director recently bought €254k worth of stockOn the 18th of May, Steven Shebik bought around 13k shares on-market at roughly €20.34 per share. This transaction amounted to 40% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was the only on-market transaction from insiders over the last 12 months.
お知らせ • May 12CNO Financial Group, Inc. Appoints New DirectorsCNO Financial Group, Inc. appointed Archie M. Brown and Adrianne B. Lee as director, at its AGM on May 10, 2023.
お知らせ • May 06CNO Financial Group, Inc. Increases Quarterly Cash Dividend, Payable on June 23, 2023CNO Financial Group, Inc. announced that its Board of Directors has approved a $0.01 per share increase in its quarterly dividend, its eleventh consecutive annual increase. The Board declared a quarterly cash dividend of $0.15 per share on the company's common shares. The dividend will be payable June 23, 2023, to shareholders of record at the close of business on June 9, 2023.
Reported Earnings • May 03First quarter 2023 earnings released: US$0.007 loss per share (vs US$0.95 profit in 1Q 2022)First quarter 2023 results: US$0.007 loss per share (down from US$0.95 profit in 1Q 2022). Revenue: US$1.01b (up 19% from 1Q 2022). Net loss: US$800.0k (down 101% from profit in 1Q 2022). Revenue is forecast to grow 2.0% p.a. on average during the next 3 years, compared to a 5.6% growth forecast for the Insurance industry in Germany. Over the last 3 years on average, earnings per share has increased by 7% per year but the company’s share price has increased by 17% per year, which means it is tracking significantly ahead of earnings growth.
Buying Opportunity • Apr 26Now 20% undervalued after recent price dropOver the last 90 days, the stock is down 16%. The fair value is estimated to be €24.56, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has grown by 15%. For the next 3 years, revenue is forecast to grow by 2.6% per annum. Earnings is forecast to decline by 1.1% per annum over the same time period.
Valuation Update With 7 Day Price Move • Mar 15Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to €19.90, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 10x in the Insurance industry in Germany. Total returns to shareholders of 119% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €24.24 per share.
Buying Opportunity • Mar 14Now 20% undervaluedThe stock has been flat over the last 90 days. The fair value is estimated to be €26.75, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has grown by 15%. For the next 3 years, revenue is forecast to grow by 2.6% per annum. Earnings is forecast to decline by 1.1% per annum over the same time period.
Upcoming Dividend • Mar 02Upcoming dividend of US$0.14 per share at 2.2% yieldEligible shareholders must have bought the stock before 09 March 2023. Payment date: 24 March 2023. Payout ratio is a comfortable 16% and this is well supported by cash flows. Trailing yield: 2.2%. Lower than top quartile of German dividend payers (4.7%). Lower than average of industry peers (4.3%).
お知らせ • Feb 17CNO Financial Group, Inc. Announces Board RetirementsCNO Financial Group, Inc. announced that Ellyn L. Brown and Fred J. Sievert have decided to retire from the company's Board of Directors at the conclusion of their current terms, which end upon the close of the annual meeting. Brown joined CNO's Board in May 2012 and serves as chair of the Governance and Nominating Committee and as a member of the Human Resources and Compensation Committee. Sievert joined CNO's Board in May 2011 and is a member of the Governance and Nominating Committee. He is also a current member and a past chair of the Human Resources and Compensation Committee. Ellyn Brown is no relation to Archie Brown.
お知らせ • Feb 16+ 1 more updateCNO Financial Group, Inc., Annual General Meeting, May 10, 2023CNO Financial Group, Inc., Annual General Meeting, May 10, 2023, at 08:00 US Eastern Standard Time.
Reported Earnings • Feb 08Full year 2022 earnings released: EPS: US$3.43 (vs US$3.44 in FY 2021)Full year 2022 results: EPS: US$3.43 (down from US$3.44 in FY 2021). Revenue: US$3.58b (down 13% from FY 2021). Net income: US$396.8m (down 10.0% from FY 2021). Profit margin: 11% (in line with FY 2021). Revenue is forecast to grow 2.4% p.a. on average during the next 3 years, compared to a 4.3% growth forecast for the Insurance industry in Germany. Over the last 3 years on average, earnings per share has increased by 15% per year but the company’s share price has only increased by 8% per year, which means it is significantly lagging earnings growth.
お知らせ • Jan 25CNO Financial Group, Inc. to Report Q4, 2022 Results on Feb 07, 2023CNO Financial Group, Inc. announced that they will report Q4, 2022 results After-Market on Feb 07, 2023
お知らせ • Dec 09CNO Financial Group, Inc. Announces Management ChangesCNO Financial Group, Inc. announced it is elevating two key senior leaders to the company's Executive Leadership Group: Jean Linnenbringer as chief operations officer and Mike Mead as chief information officer. Both appointments are effective January 1, 2023, and will report to Gary C. Bhojwani, chief executive officer. Linnenbringer has more than 30 years of operations management experience in the insurance and financial services industries. She joined CNO in 2015 and since August 2017 has served as the company's senior vice president of enterprise operations. As chief operations officer she will continue to lead new business and underwriting, customer service, claims, agent care, and operations support for the CNO family of brands, including Bankers Life, Colonial Penn, Optavise and Washington National. Mead has more than 25 years of experience in general management and technology leadership within the insurance industry. He joined CNO in 2018 as senior vice president and chief information officer. In his elevated role, he will continue to be responsible for strategy and execution of CNO's information technology, cybersecurity, IT infrastructure, and digital transformation. Linnenbringer and Mead succeed Bruce Baude, chief operations and technology officer, who is leaving his current role as of December 31, 2022. Linnenbringer joined CNO in June 2015 as vice president, customer service and was named senior vice president, enterprise operations in August 2017. Prior to joining CNO, she spent 15 years at Genworth Financial in multiple roles, including senior vice president and chief operational risk officer. Linnenbringer earned a Bachelor of Science degree in business administration from Strayer University and a Master of Emergency Management from the University of Richmond. Mead joined CNO in November 2018 as senior vice president and chief information officer. Prior to joining CNO, he spent 22 years at AIG, where he served as senior vice president and transformation executive with AIG Technologies responsible for delivering global transformation initiatives spanning technology and people. Mead holds a bachelor's degree in Business Administration from Texas Tech University and a Master of Business Administration from Southern Methodist University. He is a Certified Professional Coach and Certified SAFe 5 Agilist.
Upcoming Dividend • Dec 01Upcoming dividend of US$0.14 per shareEligible shareholders must have bought the stock before 08 December 2022. Payment date: 23 December 2022. Payout ratio is a comfortable 14% and this is well supported by cash flows. Trailing yield: 2.4%. Lower than top quartile of German dividend payers (4.9%). Lower than average of industry peers (4.4%).
お知らせ • Nov 10CNO Financial Group, Inc. Declares Quarterly Dividend, Payable on December 23, 2022CNO Financial Group, Inc. announced that its Board of Directors has declared a quarterly cash dividend of $0.14 per share on the company's common shares. The dividend will be payable December 23, 2022, to shareholders of record at the close of business on December 9, 2022.
Reported Earnings • Nov 02Third quarter 2022 earnings released: EPS: US$0.92 (vs US$0.79 in 3Q 2021)Third quarter 2022 results: EPS: US$0.92 (up from US$0.79 in 3Q 2021). Revenue: US$905.3m (down 6.5% from 3Q 2021). Net income: US$105.0m (up 5.2% from 3Q 2021). Profit margin: 12% (up from 10% in 3Q 2021). The increase in margin was driven by lower expenses. Revenue is forecast to grow 2.0% p.a. on average during the next 3 years, compared to a 4.1% growth forecast for the Insurance industry in Germany. Over the last 3 years on average, earnings per share has increased by 24% per year but the company’s share price has only increased by 15% per year, which means it is significantly lagging earnings growth.
お知らせ • Oct 18CNO Financial Group, Inc. to Report Q3, 2022 Results on Oct 31, 2022CNO Financial Group, Inc. announced that they will report Q3, 2022 results After-Market on Oct 31, 2022
Upcoming Dividend • Sep 01Upcoming dividend of US$0.14 per shareEligible shareholders must have bought the stock before 08 September 2022. Payment date: 23 September 2022. Payout ratio is a comfortable 14% and this is well supported by cash flows. Trailing yield: 3.0%. Lower than top quartile of German dividend payers (4.7%). Lower than average of industry peers (5.3%).
お知らせ • Aug 11CNO Financial Group Declares Quarterly Dividend, Payable on September 23, 2022CNO Financial Group, Inc. announced that its Board of Directors has declared a quarterly cash dividend of $0.14 per share on the company's common shares. The dividend will be payable September 23, 2022, to shareholders of record at the close of business on September 9, 2022.
Reported Earnings • Aug 02Second quarter 2022 earnings released: EPS: US$1.18 (vs US$0.59 in 2Q 2021)Second quarter 2022 results: EPS: US$1.18 (up from US$0.59 in 2Q 2021). Revenue: US$855.0m (down 20% from 2Q 2021). Net income: US$136.1m (up 75% from 2Q 2021). Profit margin: 16% (up from 7.3% in 2Q 2021). The increase in margin was driven by lower expenses. Over the next year, revenue is expected to shrink by 2.7% compared to a 22% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 45% per year but the company’s share price has only increased by 11% per year, which means it is significantly lagging earnings growth.
お知らせ • Jul 19CNO Financial Group, Inc. to Report Q2, 2022 Results on Aug 01, 2022CNO Financial Group, Inc. announced that they will report Q2, 2022 results After-Market on Aug 01, 2022
お知らせ • Jun 03+ 1 more updateCNO Financial Group, Inc. Appoints Brian Schneider as Chief Risk OfficerCNO Financial Group, Inc. announced the appointment of Brian Schneider as vice president, enterprise risk management (ERM) and chief risk officer (CRO), effective immediately. Schneider reports to Chief Actuary Karen DeToro, who had previously served as the company's chief risk officer since June 2020. As chief risk officer, Schneider is responsible for the overall risk management strategy for CNO. Working closely with company leadership, he leads practices related to risk governance, business continuity management, model governance, as well as strategic and emerging risk management. Schneider joined CNO in 2021 as vice president, enterprise risk management. Before joining CNO, he served as director of ERM at CNA Insurance, where he was responsible for enterprise-level risk identification, assessment, monitoring, and reporting. Schneider has also held various risk management and insurance and consulting roles at Liberty Mutual, GCM Grosvenor and Navigant Consulting. Schneider earned both his Bachelor of Science in finance and a Master of Business Administration in finance and strategic management from the University of Illinois. He holds the associate in risk management (ARM-E) designation.
Upcoming Dividend • Jun 02Upcoming dividend of US$0.14 per shareEligible shareholders must have bought the stock before 09 June 2022. Payment date: 24 June 2022. Payout ratio is a comfortable 16% and this is well supported by cash flows. Trailing yield: 2.7%. Lower than top quartile of German dividend payers (4.2%). Lower than average of industry peers (5.0%).
Recent Insider Transactions • May 25Independent Director recently bought €55k worth of stockOn the 19th of May, David Foss bought around 3k shares on-market at roughly €18.45 per share. This was the largest purchase by an insider in the last 3 months. Despite this recent purchase, insiders have collectively sold €150k more in shares than they bought in the last 12 months.
お知らせ • May 08CNO Financial Group, Inc. Declares Quarterly Cash Dividend on the Company's Common Shares, Payable June 24, 2022CNO Financial Group, Inc. announced that its Board of Directors has approved a $0.01 per share increase in its quarterly dividend, its tenth consecutive annual increase. The Board declared a quarterly cash dividend of $0.14 per share on the company's common shares. The dividend will be payable June 24, 2022, to shareholders of record at the close of business on June 10, 2022.
Reported Earnings • May 04First quarter 2022 earnings released: EPS: US$0.95 (vs US$1.10 in 1Q 2021)First quarter 2022 results: EPS: US$0.95 (down from US$1.10 in 1Q 2021). Revenue: US$842.9m (down 16% from 1Q 2021). Net income: US$112.3m (down 24% from 1Q 2021). Profit margin: 13% (down from 15% in 1Q 2021). The decrease in margin was driven by lower revenue. Over the next year, revenue is expected to shrink by 8.7% compared to a 20% growth forecast for the industry in Germany. Over the last 3 years on average, earnings per share has increased by 61% per year but the company’s share price has only increased by 16% per year, which means it is significantly lagging earnings growth.
お知らせ • Apr 19CNO Financial Group, Inc. to Report Q1, 2022 Results on May 02, 2022CNO Financial Group, Inc. announced that they will report Q1, 2022 results After-Market on May 02, 2022
お知らせ • Mar 30Robert Carl Greving Will Retire from the Board of CNO Financial Group, IncMr. Robert Carl Greving will retire from the Board of CNO Financial Group, Inc. at the conclusion of his current term, which ends at the close of the Annual Meeting, to be held on May 19, 2022 .
Recent Insider Transactions • Mar 06Independent Director recently sold €276k worth of stockOn the 25th of February, Frederick Sievert sold around 13k shares on-market at roughly €21.90 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €899k more than they bought in the last 12 months.
Upcoming Dividend • Mar 02Upcoming dividend of US$0.13 per shareEligible shareholders must have bought the stock before 09 March 2022. Payment date: 24 March 2022. Payout ratio is a comfortable 15% and this is well supported by cash flows. Trailing yield: 2.3%. Lower than top quartile of German dividend payers (3.4%). Lower than average of industry peers (4.4%).
お知らせ • Feb 17+ 2 more updatesCNO Financial Group, Inc., Annual General Meeting, May 19, 2022CNO Financial Group, Inc., Annual General Meeting, May 19, 2022, at 08:00 US Eastern Standard Time. Agenda: To consider that Robert Greving will retire from the company's Board of Directors at the conclusion of current term.
Reported Earnings • Feb 09Full year 2021 earnings: EPS in line with analyst expectations despite revenue beatFull year 2021 results: EPS: US$3.44 (up from US$2.12 in FY 2020). Revenue: US$4.12b (up 7.9% from FY 2020). Net income: US$441.0m (up 46% from FY 2020). Profit margin: 11% (up from 7.9% in FY 2020). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 13%. Over the next year, revenue is expected to shrink by 11% compared to a 15% growth forecast for the insurance industry in Germany. Over the last 3 years on average, earnings per share has increased by 76% per year but the company’s share price has only increased by 11% per year, which means it is significantly lagging earnings growth.
Upcoming Dividend • Dec 02Upcoming dividend of US$0.13 per shareEligible shareholders must have bought the stock before 09 December 2021. Payment date: 24 December 2021. Trailing yield: 2.4%. Lower than top quartile of German dividend payers (3.3%). Lower than average of industry peers (4.3%).
Reported Earnings • Oct 29Third quarter 2021 earnings released: EPS US$0.79 (vs US$0.92 in 3Q 2020)The company reported a poor third quarter result with weaker earnings, revenues and profit margins. Third quarter 2021 results: Revenue: US$968.3m (down 4.5% from 3Q 2020). Net income: US$99.8m (down 23% from 3Q 2020). Profit margin: 10% (down from 13% in 3Q 2020). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has increased by 88% per year but the company’s share price has only increased by 10% per year, which means it is significantly lagging earnings growth.
Executive Departure • Sep 07Co-President of Worksite Division Michael Heard has left the companyOn the 31st of August, Michael Heard's tenure as Co-President of Worksite Division ended after 8.2 years in the role. As of June 2021, Michael still personally held 36.01k shares (€706k worth at the time). A total of 2 executives have left over the last 12 months. The current median tenure of the management team is 4.92 years.
Upcoming Dividend • Sep 02Upcoming dividend of US$0.13 per shareEligible shareholders must have bought the stock before 09 September 2021. Payment date: 24 September 2021. Trailing yield: 2.1%. Lower than top quartile of German dividend payers (3.1%). Lower than average of industry peers (4.3%).
