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CNO Financial Group Earnings Calls
| Release date | Nov 03, 2025 |
| EPS estimate | $1.21 |
| EPS actual | $0.96 |
| EPS Surprise | -20.66% |
| Revenue estimate | 1.003B |
| Revenue actual | 1.189B |
| Revenue Surprise | 18.54% |
| Release date | Jul 28, 2025 |
| EPS estimate | $0.85 |
| EPS actual | $0.87 |
| EPS Surprise | 2.35% |
| Revenue estimate | 975.35M |
| Revenue actual | 1.152B |
| Revenue Surprise | 18.06% |
| Release date | Apr 28, 2025 |
| EPS estimate | $0.790 |
| EPS actual | $0.790 |
| Revenue estimate | 975.55M |
| Revenue actual | 1.004B |
| Revenue Surprise | 2.93% |
| Release date | Feb 06, 2025 |
| EPS estimate | $1.06 |
| EPS actual | $1.31 |
| EPS Surprise | 23.58% |
| Revenue estimate | 970.4M |
| Revenue actual | 1.097B |
| Revenue Surprise | 13.07% |
Last 4 Quarters for CNO Financial Group
Below you can see how CNO performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Feb 06, 2025 |
| Price on release | $40.02 |
| EPS estimate | $1.06 |
| EPS actual | $1.31 |
| EPS surprise | 23.58% |
| Date | Price |
|---|---|
| Jan 31, 2025 | $39.94 |
| Feb 03, 2025 | $39.40 |
| Feb 04, 2025 | $39.39 |
| Feb 05, 2025 | $40.06 |
| Feb 06, 2025 | $40.02 |
| Feb 07, 2025 | $41.08 |
| Feb 10, 2025 | $41.16 |
| Feb 11, 2025 | $40.99 |
| Feb 12, 2025 | $40.59 |
| 4 days before | 0.200% |
| 4 days after | 1.42% |
| On release day | 2.65% |
| Change in period | 1.63% |
| Release date | Apr 28, 2025 |
| Price on release | $39.92 |
| EPS estimate | $0.790 |
| EPS actual | $0.790 |
| Date | Price |
|---|---|
| Apr 22, 2025 | $38.63 |
| Apr 23, 2025 | $39.17 |
| Apr 24, 2025 | $39.76 |
| Apr 25, 2025 | $39.58 |
| Apr 28, 2025 | $39.92 |
| Apr 29, 2025 | $38.01 |
| Apr 30, 2025 | $37.94 |
| May 01, 2025 | $37.12 |
| May 02, 2025 | $38.19 |
| 4 days before | 3.34% |
| 4 days after | -4.33% |
| On release day | -4.78% |
| Change in period | -1.14% |
| Release date | Jul 28, 2025 |
| Price on release | $37.58 |
| EPS estimate | $0.85 |
| EPS actual | $0.87 |
| EPS surprise | 2.35% |
| Date | Price |
|---|---|
| Jul 22, 2025 | $37.62 |
| Jul 23, 2025 | $37.51 |
| Jul 24, 2025 | $37.37 |
| Jul 25, 2025 | $37.82 |
| Jul 28, 2025 | $37.58 |
| Jul 29, 2025 | $36.98 |
| Jul 30, 2025 | $36.06 |
| Jul 31, 2025 | $36.84 |
| Aug 01, 2025 | $35.49 |
| 4 days before | -0.106% |
| 4 days after | -5.56% |
| On release day | -1.60% |
| Change in period | -5.66% |
| Release date | Nov 03, 2025 |
| Price on release | $39.59 |
| EPS estimate | $1.21 |
| EPS actual | $0.96 |
| EPS surprise | -20.66% |
| Date | Price |
|---|---|
| Oct 28, 2025 | $40.23 |
| Oct 29, 2025 | $39.87 |
| Oct 30, 2025 | $39.91 |
| Oct 31, 2025 | $40.02 |
| Nov 03, 2025 | $39.59 |
| Nov 04, 2025 | $41.31 |
| Nov 05, 2025 | $40.33 |
| Nov 06, 2025 | $40.49 |
| Nov 07, 2025 | $41.25 |
| 4 days before | -1.59% |
| 4 days after | 4.19% |
| On release day | 4.34% |
| Change in period | 2.54% |
CNO Financial Group Earnings Call Transcript Summary of Q3 2025
CNO Financial reported a strong Q3 2025 with record insurance sales, continued margin expansion and improving investment yields. Key operational highlights: record total new annualized premiums of $125 million (up 26%), double-digit insurance sales growth in both Consumer and Worksite divisions, sustained growth in direct-to-consumer life and Medicare Supplement, annuity and brokerage/advisory asset growth (combined client assets > $18 billion). Management announced two strategic actions to accelerate operating ROE: (1) execution of a second Bermuda reinsurance treaty (ceding ~ $1.8 billion of Supplemental Health statutory reserves and 50% of new Supplemental Health business for the Indiana-domiciled carrier) and (2) an exit of the Worksite fee services business (substantially complete in H1 2026). Financial impacts: a noncash goodwill/intangible impairment of $96.7 million in Q3 tied to Web Benefits Design and DirectPath, expected exit charges of $15–$20 million recorded in nonoperating income (primarily in Q4), and an approximately $20 million pretax annualized operating loss eliminated by the exit. Management narrowed operating EPS guidance to $3.75–$3.85 (same midpoint), raised 2025–2027 operating ROE improvement guidance to 200 bps (from prior 150 bps) versus ~10% 2024 run rate, and increased expected excess cash flow to the holding company to $365–$385 million (up from $200–$250 million) reflecting the Bermuda transaction. Capital and liquidity remain strong; the company repurchased $60 million of shares in the quarter and returned $76 million to shareholders. Investment portfolio remains high quality (~97% investment grade, avg. rating single-A); new money yields have exceeded 6% for 11 consecutive quarters and allocated investment yield was 4.91%. Management expects the ROE benefits from the reinsurance treaty and fee services exit to begin in 4Q 2025 and principally materialize through 2026–2027, while reiterating commitment to grow sales and continue technology and distribution investments.
