CNO at a glance
CNO Financial Group, Inc. (CNO, SEC CIK 1224608) filed its latest 10-K annual report on February 24, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on September 1, 2026 and Form 4 insider filings as recently as September 16, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), CNO Financial Group, Inc. (CNO) reported revenue of $4.5 billion (up 0.9% from FY2024) and net income of $229.3 million. Diluted EPS was $2.30.
- As of June 30, 2026, 32 institutional investment managers tracked by SignalX reported holding CNO Financial Group, Inc. (CNO) shares worth $2.6 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Williams Jeremy D. on September 16, 2026 of 3,240 shares at $55.71 per share.
- In the last 90 days, CNO insiders reported 0 open-market purchases ($0) and 12 open-market sales ($2.6M) on Form 4, a net sale of $2.6M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $4.5B
- +0.9% vs prior year
- Insiders · 90 days
- 0 buys · 12 sells
- Net −$2.6M
- 13F holders
- 32 funds
- $2.6B · +1 vs prior quarter
- Latest 8-K
- Sep 1, 2026
- Item 7.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: Insurance products sales and administration via Consumer and Worksite Divisions, leveraging exclusive agents, independent producers, and direct marketing
- Strategic shift: Announced 2025 exit from fee services in Worksite Division to focus on core insurance business, expected by mid-2026
- New product emphasis: Launched death benefit rider on fixed indexed annuities with guaranteed lifetime income in 2025
- Notable quantitative metric: Premium collections $4.59B in 2025, up from $4.38B in 2024, with fixed indexed annuities representing 38% ($1.74B) of total premiums
- Unique fact: Discontinued ceding 25% of new long-term care business to reinsurer starting Oct 1, 2024
Risk Factors
- Interest rate risk with fixed income securities duration 7.5 years vs liabilities 8.1 years
- Fair value decline $691.7 million if interest rates rise 10% from Dec 31, 2025 levels
- Inflation impact on insurance policy benefits linked to medical cost increases
- Equity securities market price volatility risk managed by limiting portfolio size
- Equity-linked investments matched to fixed indexed annuity liabilities to hedge value changes
Management Discussion & Analysis
- Total revenue (insurance product margin) $1,067.6M in 2025, up 2.6% YoY from $1,040.0M in 2024
- Operating margin (income from insurance products / total margin) ~42.7% in 2025 vs. ~40.8% in 2024 (456.3/1067.6 vs 424.7/1040.0)
- Best segment: Health margin $556.6M in 2025, up 7.7% YoY; Worst segment: Annuity margin $238.6M in 2025, down 13.0% YoY
- Net operating income $439.2M in 2025 vs $429.3M in 2024; Net income $229.3M in 2025 vs $420.8M in 2024 due to non-operating losses including $101.9M goodwill impairment
- Cash flow & capital allocation: No direct buyback/dividend/capex numbers disclosed; $20.3M in TechMod initiative expenses impacting cash flow
- Forward outlook: Management highlighting technology modernization completion post-2025; risks include investment losses, mortality/morbidity assumption changes, and regulatory/tax changes impacting deferred tax assets
AI summary of the CNO 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Net operating income $119.5M vs $87.5M YoY; net income $125.9M vs $91.8M
- Insurance product margin $279.0M vs $252.4M; health best-performing line at $147.2M vs $134.0M
- Fee income worst-performing segment at $(1.2)M vs $0.8M; fee-services exit substantially complete
- Operating ROE 13.1% vs 11.2% YoY; GAAP ROE 10.9% vs 11.9%
- 2026 operating ROE expected to exceed previously established 12% year-end 2027 target
Risk Factors
- No material changes to previously disclosed 10-K risk factors
- Carried-forward general business and financial risks with potential material adverse effects
- Share-repurchase authorization reduced to $300.4 million remaining after 1,287,865 quarterly program purchases
- Officer trading arrangements covering 98,123 aggregate shares through August 23, 2027
AI summary of the CNO 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 7.01: Regulation FD Disclosure
- Investor presentation issued September 1, 2026, covering CNO’s Worksite Division and Medicare business
- Presentation and future updates available through CNO’s investor-relations website
Item 2.02: Results of Operations and Financial Condition
- Q2 2026 results released for quarter ended June 30, 2026
- Quarterly Financial Supplement and additional operating information provided in Exhibits 99.2 and 99.3
Item EX-99.1: Item EX-99.1
- 2Q26 net operating income $119.5M, up 37%; operating EPS $1.26, up 45% year over year
- 2026 operating EPS guidance raised 8% at midpoint, signaling stronger expected profitability and execution
Item 5.07: Submission of Matters to a Vote of Security Holders
- All nine director nominees elected to one-year terms through the 2027 annual meeting
- Director support remained strong, with 80.1 million–81.4 million votes for each nominee
AI summaries of CNO 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for CNO
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Williams Jeremy D. | Sell | Sep 16, 2026 | 3,240 | $55.71 |
| Williams Jeremy D. | M | Sep 16, 2026 | 3,240 | - |
| Williams Jeremy D. | M | Sep 16, 2026 | 3,240 | $23.33 |
| Williams Jeremy D. | Sell | Sep 16, 2026 | 1,122 | $55.72 |
| Williams Jeremy D. | Sell | Sep 15, 2026 | 4,420 | $55.27 |
| Williams Jeremy D. | M | Sep 15, 2026 | 4,420 | $21.06 |
| Williams Jeremy D. | M | Sep 15, 2026 | 4,420 | - |
| Linnenbringer Jeanne L. | Sell | Sep 2, 2026 | 3,919 | $55.11 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $4.1B | $4.4B | $4.5B |
| Operating Income | $459.5M | $550.8M | $553.2M |
| Net Income | $276.5M | $404.0M | $229.3M |
| Op. Margin | 11.1% | 12.4% | 12.3% |
| Net Margin | 6.7% | 9.1% | 5.1% |
| Balance Sheet | |||
| Total Assets | $35.1B | $37.9B | $38.8B |
| Equity | - | $2.5B | $2.6B |
| ROE | - | 16.2% | 8.7% |
| Per Share | |||
| EPS | $2.40 | $3.74 | $2.30 |
| Cash Flow | |||
| Operating CF | $582.9M | $627.7M | $675.7M |
Source: XBRL data in CNO Financial Group, Inc. (CNO)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate CNO share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 32 | $2.61B |
| Q1 2026 | 31 | $2.01B |
| Q4 2025 | 30 | $1.91B |
| Q3 2025 | 30 | $2.01B |
| Q2 2025 | 30 | $1.95B |
| Q1 2025 | 26 | $1.61B |
| Q4 2024 | 21 | $1.33B |
| Q3 2024 | 17 | $705.4M |
- AQR Capital Management+1.18M (+77%)
- Goldman Sachs Group+361.8K (+30%)
- BlackRock+331.6K (+3%)
- Two Sigma Investments+316.5K (+275%)
- State Street Corp+142.8K (+4%)
- JPMorgan Chase & Co−104.4K (-13%)
- Bridgewater Associates LP−99.6K (-53%)
- D.E. Shaw & Co−87.1K (-37%)
- Morgan Stanley−80.8K (-5%)
- Citadel Advisors LLC−63.9K (-17%)
- Allstate+17.3K
Source: 13F-HR filings on SEC EDGAR (aggregated from 217 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
CNO filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
8-K current reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 16, 2026 | - | - | - |
| 4 | Sep 2, 2026 | - | - | - |
| 4 | Sep 2, 2026 | - | - | - |
| 8-K | Sep 1, 2026 | - | Analysis | - |
| 13F-HR | Aug 12, 2026 | Jun 30, 2026 | - | |
| 10-Q | Aug 6, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 30, 2026 | - | Analysis | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jul 1, 2026 | - | - | - |
| 4 | Jun 11, 2026 | - | - | - |
| 4 | Jun 8, 2026 | - | - | |
| 4 | Jun 4, 2026 | - | - | |
| 4 | May 13, 2026 | - | - | |
| 4 | May 13, 2026 | - | - | |
| 4 | May 13, 2026 | - | - | |
| 8-K | May 13, 2026 | - | Analysis | |
| 4 | May 13, 2026 | - | - | |
| 13F-HR | May 13, 2026 | Mar 31, 2026 | - | |
| 4 | May 13, 2026 | - | - | |
| 4 | May 13, 2026 | - | - | |
| 4 | May 11, 2026 | - | - | |
| 10-Q | May 7, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | Apr 30, 2026 | - | Analysis | - |
| SC 13G | Apr 29, 2026 | - | - | |
| SC 13G | Apr 29, 2026 | - | - |
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CNO SEC filings: frequently asked questions
Are CNO insiders buying or selling?
In the last 90 days, CNO Financial Group, Inc. (CNO) officers, directors and 10% owners reported no open-market purchases and 12 open-market sales worth $2.6 million by 3 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold CNO stock?
As of June 30, 2026, the largest CNO Financial Group, Inc. (CNO) holders among the 13F filers tracked by SignalX were BlackRock ($682.4 million), Vanguard Portfolio Management LLC ($343.4 million), State Street Corp ($211.9 million), Vanguard Capital Management LLC ($208.1 million), Franklin Resources ($197.4 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was CNO's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), CNO Financial Group, Inc. (CNO) reported revenue of $4.5 billion (up 0.9% from FY2024) and net income of $229.3 million. Diluted EPS was $2.30. The figures come from the XBRL data in the 10-K.
What are the main risks in CNO's latest 10-K?
In the 10-K filed February 24, 2026, CNO Financial Group, Inc. (CNO) flagged: Interest rate risk with fixed income securities duration 7.5 years vs liabilities 8.1 years. Fair value decline $691.7 million if interest rates rise 10% from Dec 31, 2025 levels. (AI summary of the Risk Factors section.)
What did CNO report in its latest 8-K?
CNO Financial Group, Inc. (CNO) filed an 8-K on September 1, 2026 reporting Item 7.01 (Regulation FD Disclosure). Investor presentation issued September 1, 2026, covering CNO’s Worksite Division and Medicare business.
What are the latest CNO SEC filings?
CNO Financial Group, Inc. (CNO) filed its latest 10-K annual report on February 24, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on September 1, 2026 and a Form 4 insider filing on September 16, 2026.
What is CNO's SEC CIK number?
CNO Financial Group, Inc. (CNO)'s SEC Central Index Key (CIK) is 1224608. EDGAR lists every CNO filing under that number.
Ask anything about CNO
The research agent reads CNO's filings, financials, insider trades and 13F holders, then answers with sources.