NYSE$CNO

CNO Financial Group Inc · Q4 2023 earnings

Q4 2023 earnings · · Investor relations

Briefing

CNO Financial Group reported strong fourth quarter earnings, sustained full-year sales momentum and agent force growth.

CNO Financial Group reported a net income of $36.3 million for Q4 2023, with net operating income reaching $133.9 million. The company saw growth in sales momentum and agent counts, driven by its diverse distribution channels. CNO's capital position remained strong, supported by a new Bermuda reinsurance structure, and the company returned over $230 million to shareholders during the year.

  • Net income for 4Q23 was $36.3 million, or $0.32 per diluted share.
  • Net operating income for 4Q23 was $133.9 million, or $1.18 per diluted share.
  • Total Health insurance NAP up 5%; total Life insurance NAP up 8%.
  • Returned $96.7 million to shareholders.

Headline financials

Total Revenue

$1.17B

Previous: $974M+20.2%
EPS (adj)

$1.18

Previous: $0.56+110.7%
Book Value / Share

$20.26

No prior period
Net Income

$36.3M

Previous: $43.4M-16.4%
Operating Income

$172M

Previous: $113M+52.6%
Gross Profit

$898M

Previous: $974M-7.8%

Revenue & EPS history

CNO Financial Group · Revenue · Quarterly

$1.17B

Q4 2023+20.2%vs Q4 2022
Beat estimate in 12 of 15 quarters(80%)
ActualEstimate

Forward guidance

CNO enters 2024 with considerable sales momentum and a growing agent force amid favorable macro trends. The company continues to prioritize strong capital management and profitable growth, which are the cornerstone of its commitment to deliver enduring value to its customers, associates, agents and shareholders.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2023

Historical avgQ4 2023

+0.1%

Avg return

Earnings day

+0.6%

Avg return

5 days after

+0.3%

Avg return

30 days after

52%

36 / 69 earnings

Positive

+10.1%

Q2 2024

Best reaction

-11.1%

Q1 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.5%+2.8%+3.4%
Q4 2025+5.5%+1.8%-1.8%
Q3 2025+4.3%+4.2%+1.8%
Q2 2025-1.2%+1.6%+3.1%
Q1 2025-4.8%-4.3%-4.6%
Q4 2024+2.6%+1.4%-1.0%
Q3 2024+2.5%+2.2%+13.8%
Q2 2024+10.1%+4.1%+10.3%
Q1 2024-0.3%+2.7%+4.6%
Q4 2023+3.4%+2.5%+0.5%
Q3 2023+0.4%-0.2%+8.4%
Q2 2023-4.7%-3.1%-8.7%
Q1 2023+1.0%-4.8%-3.3%
Q4 2022+1.6%+2.5%-6.4%
Q3 2022+0.3%-1.2%+6.6%
Q2 2022-3.7%-2.4%-1.8%
Q1 2022-11.1%-11.8%-14.8%
Q4 2021+0.3%+0.6%-8.7%
Q3 2021-6.0%-5.0%-11.1%
Q2 2021+0.6%-1.0%+8.7%
Q1 2021+1.4%+1.1%+3.2%
Q4 2020-2.0%-2.2%+11.1%
Q3 2020+9.2%+6.0%+23.5%
Q2 2020+5.4%+6.0%+9.7%
Q1 2020-6.8%+3.1%+15.5%
Q4 2019+4.7%+5.7%-39.2%
Q3 2019+4.5%+7.7%+8.1%
Q2 2019+2.4%-4.3%-11.8%
Q1 2019-1.3%+1.2%-2.2%
Q4 2018-5.8%-4.5%-8.7%
Q3 2018-0.5%-0.3%-2.6%
Q2 2018+9.4%+8.8%+6.2%
Q1 2018-6.6%-4.8%-8.8%
Q4 2017+2.0%+1.4%-1.5%
Q3 2017-0.9%-2.0%-2.4%
Q2 2017+2.4%+2.7%+0.7%
Q1 2017+0.5%+0.5%-3.3%
Q4 2016+4.0%+7.0%+5.8%
Q3 2016+7.6%+4.7%+20.0%
Q2 2016-4.4%-5.4%-12.2%
Q1 2016-5.6%
Q4 2015-2.1%
Q3 2015+2.8%
Q2 2015-5.6%
Q1 2015-5.2%
Q4 2014-1.0%
Q3 2014+2.2%
Q2 2014-2.6%
Q1 2014-1.7%
Q4 2013+4.8%
Q3 2013+4.9%
Q2 2013+1.3%
Q1 2013+1.0%
Q4 2012+8.2%
Q3 2012+0.4%
Q2 2012+3.1%
Q1 2012-1.5%
Q4 2011-2.3%
Q3 2011-8.8%
Q2 2011-4.1%
Q4 2010-4.1%
Q1 2010-0.3%
Q1 2011+2.8%
Q4 2008+2.0%
Q3 2010-3.1%
Q3 2009-3.1%
Q4 2009-1.1%
Q2 2010-1.1%
Q2 2009-1.1%

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