CNO Financial Group

CNO US Financials Life & Health Insurance
S&P 400
$54.94
-0.16%
Delayed · cached 15 min

Fair value analysis

CNO
CNO Financial Group
FinancialsLife & Health Insurance
$54.94
Close used for this calculation
$27.21Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
31/100
Profitability15/25
Returns3/25
Balance Sheet8/25
Efficiency5/25
Growth9/25
Weak
Quality radar
31Prof.15/25Ret.3/25Eff.5/25B.Sht8/25Growth9/25

Consensus fair value

$27.21
Above FV
▼ -50.5% against the close used
Model range $14.01 – $62.75
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$14.01Fair value$27.21Bull$62.75
FairClose
52-week traded range
52W low $38.4952W high $56.75

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading above the consensus fair value

CNO Financial Group closed at $54.94, 101.9% above the consensus fair value of $27.21 drawn from 9 valuation models.

Financial DNA score 31/100 — Weak. P/E of 57.8x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
$18.86
-65.7%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
$24.17
-56.0%
√(22.5 × EPS × BVPS)
EPS=0.95, BVPS=27.33 · outside Graham range (P/E 57.8, P/B 2) — asset-light, treat as a rough floor
P/E Fair Value
$19.00
-65.4%
EPS × 20x (sector P/E)
EPS=0.95, Sector P/E=20x
Peter Lynch (PEG)
$14.01
-74.5%
EPS × Growth% (PEG = 1 is fair)
EPS=0.95, g=14.8%
EV/EBITDA
$62.75
+14.2%
(EBITDA × 17.4x − Net Debt) ÷ Shares
EBITDA=871.7M
Dividend Discount (DDM)
$36.19
-34.1%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=0.67, r=10%, g=8%
Book Value (P/B)
$19.47
-64.6%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=27.33, ROE=8.9%, g=6%, r=10%
Reverse DCF
$54.94
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 21.5% | Historical: 14.8%
Margin of Safety
$15.51
-71.8%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=20.68, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.