NASDAQ · STOCK
CNO Financial Group
$55.08
52W $35.24 – $57.59
55/100
$5.14B
18.5
0.82
Is CNO Bullish or Bearish?
Mixed.
Innellis AI committee rates CNO Financial Group (CNO) Watch with a composite score of 55/100
, based on 7 analysts with 71% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +5.04 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -14.96 from today. The band boundary is 45.0, 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
Some positive signals exist — news sentiment is positive (+0.22 across 9 articles, 14d) — but they are not yet strong enough to justify a Buy. The committee is monitoring for confirmation.
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
- Trend and market structure agree -- coherent bullish picture — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
- Market regime is bullish (Bull market -- normal position sizing) — Macro
Bear Case
- Debt-to-equity of 1.54 adds balance-sheet risk to the value case — Value
- EPS declining -12.8% YoY despite any revenue growth — Growth
- MACD histogram negative -- bearish momentum — Technical
- Weekly RSI at 79 -- 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 July 31, 2026
Overall Committee Score
55/100
Agreement
71%
Analysts
7
Conviction
Moderate
Sector Rank
Top 66%
of 141 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
neutral
56
/ 100 · High confidence
Moderate growth -- present but not remarkable
+ 5 consecutive earnings beats -- consistent execution
− EPS declining -12.8% YoY despite any revenue growth
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
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
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
65
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.22 across 9 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 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 54.8 to 55.0.
- Conviction changed from contested to moderate.
- Committee agreement increased notably from 57% to 71%.
- New bearish signals: 3 appeared.
- Bullish support removed: 2 signal(s) disappeared.
- New bullish signals: 4 appeared.
- Bearish pressure eased: 4 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst.
Analyst-level changes:
- Growth Analyst: score 44->56 (+12); +2 bullish signal(s).
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- News Analyst: score 68->65 (-4); +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Technical Analyst: +1 bearish signal(s).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
74.3
Overbought
MACD Histogram
-0.014
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
1.26
Above Upper Band
Price vs Moving Averages
EMA 9
$53.53
Above
EMA 21
$52.85
Above
EMA 50
$50.91
Above
EMA 200
$45.30
Above
Fundamental Analysis
Valuation
68
Growth
95
Profitability
0
Financial Health
19
Cash Flow
38
Valuation
P/E Ratio
18.5×
P/B Ratio
2.06×
PEG Ratio
2.44
Dividend Yield
0.01%
52W High
$57.59
52W Low
$35.24
Quality & Growth
ROE
8.7%
ROA
0.6%
Gross Margin
21.5%
Operating Margin
3.2%
Revenue Growth YoY
—
Debt / Equity
1.72
AI Fundamental Assessment
P/E ratio of 18.5 (inexpensive relative to a 15-40x range); Price-to-book of 2.1x; PEG ratio of 2.4 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.1%; Gross margin of 0.2%; Current ratio of 0.73 (tight short-term liquidity); Debt-to-equity of 1.72; Free cash flow margin of 1.0% (thin cash generation); Free cash flow per share is positive (7.35); Most recent quarter beat estimates by 17.1%; 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
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