CNO Financial Group, Inc. (CNO) FY2025 10-K Annual Report
CNO Financial Group, Inc. (CNO) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 24, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
CNO Financial Group, Inc. FY2025 10-K Analysis
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
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)
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
CNO Financial Group, Inc. FY2025 Key Financial MetricsXBRL
Revenue
$4.5B
▲ +0.9% YoY
Net Income
$229M
▼ -43.2% YoY
Operating Margin
12.3%
▼ -5bp YoY
Net Margin
5.1%
▼ -397bp YoY
ROE
8.7%
▼ -748bp YoY
Total Assets
$38.8B
▲ +2.5% YoY
EPS (Diluted)
$2.30
▼ -38.5% YoY
Operating Cash Flow
$676M
▲ +7.6% YoY
Source: XBRL data from CNO Financial Group, Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.
Get deeper insights on CNO Financial Group, Inc.
Access full AI analysis, insider trading data, fund holdings, and cross-signal detection on SignalX.