CNO CNO Financial Group, Inc.
FY2025 10-K
CNO Financial Group, Inc. (CNO) filed its fiscal year 2025 10-K annual report with the SEC on Feb 24, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
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
Financial SummaryXBRL
Revenue
$4.5B
Net Income
$229M
Operating Margin
12.3%
Net Margin
5.1%
ROE
8.7%
Total Assets
$38.8B
EPS (Diluted)
$2.30
Operating Cash Flow
$676M
Source: XBRL data from CNO Financial Group, Inc. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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