CNO · NYSE · STOCK
CNO Financial Group (CNO) Stock Analysis
$56.78
52W $38.22 – $57.59
64/100
$5.30B
19.1
0.81
Is CNO Bullish or Bearish?
Bullish.
Innellis AI committee rates CNO Financial Group (CNO) Buy with a composite score of 64/100
, based on 6 analysts with 67% agreement.
Last updated September 06, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +11.32 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -8.68 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The primary driver is vix regime is low -- calm backdrop supports risk-taking. The main limiting factor is debt-to-equity of 1.54 adds balance-sheet risk to the value case. The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- 5 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
- MACD histogram positive -- bullish momentum — Technical
- Trend and market structure agree -- coherent bullish picture — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- Debt-to-equity of 1.54 adds balance-sheet risk to the value case — Value
- RSI at 74 is in overbought territory — Technical
- Price trading above the upper Bollinger Band -- stretched — Technical
- Weekly RSI at 77 -- overbought on the larger timeframe too — Technical
- High leverage (debt-to-equity 1.54) amplifies downside in a stress scenario — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 06, 2026
Overall Committee Score
64/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 55%
of 211 Financial Services peers
Value Analyst
neutral
50
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
− Debt-to-equity of 1.54 adds balance-sheet risk to the value case
Growth Analyst
bullish
68
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ 5 consecutive earnings beats -- consistent execution
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− RSI at 74 is in overbought territory
Risk Analyst
neutral
50
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
− High leverage (debt-to-equity 1.54) amplifies downside in a stress scenario
Macro Analyst
bullish
80
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
bullish
73
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.46 across 13 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2704.43)
Investment Thesis Evolution
Committee score moved marginally from 63.7 to 63.7.
Comparing 2026-09-05 to 2026-09-06 (1 day apart).
Technical Analysis
RSI (14)
74.2
Overbought
MACD Histogram
0.158
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
1.04
Above Upper Band
Price vs Moving Averages
EMA 9
$55.48
Above
EMA 21
$54.87
Above
EMA 50
$53.46
Above
EMA 200
$47.42
Above
Fundamental Analysis
Valuation
67
Growth
95
Profitability
34
Financial Health
19
Cash Flow
70
Valuation
P/E Ratio
19.1×
P/B Ratio
2.04×
PEG Ratio
2.51
Dividend Yield
1.22%
52W High
$57.59
52W Low
$38.22
Quality & Growth
ROE
869.1%
ROA
59.1%
Gross Margin
4342.3%
Operating Margin
765.5%
Revenue Growth YoY
—
Debt / Equity
1.76
AI Fundamental Assessment
P/E ratio of 19.1 (inexpensive relative to a 15-40x range); Price-to-book of 2.0x; PEG ratio of 2.5 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 8.7%; Return on assets of 0.6%; Net margin of 6.0%; Gross margin of 43.4%; Current ratio of 0.07 (tight short-term liquidity); Debt-to-equity of 1.76; Free cash flow per share is positive (7.50); Most recent quarter beat estimates by 30.4%; 5 consecutive earnings beats; EPS growth accelerating (-28.6% -> +20.0% QoQ); Average YoY EPS growth of 44.8%; Analyst estimates rising over recent quarters
Get the Full CNO Analysis
Interactive charts · Live committee votes · Trade plan · Paper trading · AI Q&A
Open in Terminal →