CNO Financial (CNO)
NYSE:CNO
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Earnings Data
Report Date
Aug 03, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
1.02Last Year’s EPS
0.87Same Quarter Last Year
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a broad set of positive operating and financial results: strong earnings growth (operating EPS +33%), sustained multi-quarter sales and agent growth, solid investment income momentum, record brokerage asset growth, and robust capital returns while maintaining capital targets. Notable challenges were highlighted but appear manageable: modest adverse Medicare supplement claims that are being addressed via rate filings, slight annuity sales decline on tough comps, minor shortfall in alternative investment income, and temporary capital metric noise from equity market moves and FABN spread dynamics. Management affirmed 2026 guidance given macro uncertainty but signaled continued confidence in improving ROE and disciplined capital deployment. Overall, the positive operational momentum and capital strength outweigh the manageable headwinds.Company Guidance
Operating Earnings Growth
Operating earnings per diluted share were $1.05 for Q1 2026, up 33% year-over-year and up 42% excluding significant items.
Consistent Sales and Agent Growth
Company delivered 15th consecutive quarter of sales growth and 13th consecutive quarter of producing agent count growth; producing agent count up 3% and registered agent count up 7%.
Strong New Annualized Premiums (NAP) Performance
Total new annualized premiums (NAP) were up 11% year-over-year; Consumer Life & Health NAP up 9%; Worksite Life & Health NAP up 22%.
Medicare and Supplemental Health Momentum
Total Medicare policies sold were up 24%; Medicare supplement NAP up 53%; Total Health NAP up 20%; Supplemental health up 10%.
Worksite Product Strength
Worksite highlights included life insurance up 56%, hospital indemnity up 121%, accident insurance up 18%, and NAP from new clients increased 65% driven by geographic expansion and penetration.
Annuity and Brokerage Asset Growth
Annuity account values up 7% year-over-year; collected annuity premiums $434 million (down 2% on strong comps); brokerage client assets up 27% to a record level and total accounts up 13%; combined client assets and annuity account values now exceed $18 billion, up 12%.
Investment Income and Portfolio Execution
Net investment income increased 6% year-over-year (tenth consecutive quarter of growth); net insurance liabilities and related assets grew 4.8%; new money rates have been above 6% for thirteen consecutive quarters; approximately $1.3 billion of new investments in the quarter with average duration of five years.
Capital Return and Strong Capital Metrics
Returned $77 million to shareholders in the quarter (including $60 million of share repurchases) and reduced weighted average diluted shares outstanding by 7%; book value per diluted share excluding AOCI was $38.98, up 5%; consolidated RBC remains within target range (360–390%); holding company liquidity $280 million (above $150 million target); debt to capital 26.4% (within 25–28% target).
Operational Efficiency and Expense Discipline
Expense ratio for the quarter was 18.9% reflecting lower-than-planned spending; management expects normalization over the year while benefiting from operating leverage driven by growth.
Technology and AI Initiatives Driving Productivity
Investments in technology, data, and AI are underway; Colonial Penn call center AI pilots are showing encouraging results with shorter wait times and higher quality sales conversions.
Return on Equity Progress
Trailing twelve-month operating ROE was 13.1% (12.2% excluding significant items), surpassing the prior 12% waypoint and supporting management’s intent to raise longer-term ROE ambitions.
CNO Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
CNO Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 30, 2026 | $44.45 | $44.63 | +0.40% |
Feb 05, 2026 | $42.13 | $44.45 | +5.51% |
Nov 03, 2025 | $39.26 | $40.96 | +4.34% |
Jul 28, 2025 | $37.10 | $36.51 | -1.60% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does CNO Financial (CNO) report earnings?
CNO Financial (CNO) is schdueled to report earning on Aug 03, 2026, After Close (Confirmed).
What is CNO Financial (CNO) earnings time?
CNO Financial (CNO) earnings time is at Aug 03, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is CNO EPS forecast?
CNO EPS forecast for the fiscal quarter 2026 (Q2) is 1.02.