CNO Financial Group, Inc. (CNO) Fair Value 2026

CNO · Insurance - Life ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.3 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-08-28, CNO Financial Group, Inc. (CNO) trades at $55.37, versus a $45.03 median fair value across its 6 active models — 18.7% below the current price. QOC: 7.3/10. Value Trap Risk: 12/100 (SAFE). 6/13 models active.

Key Facts

Ticker
CNO
Price
$55.37
Quality Score
7.3/10
Value Trap Risk
12/100
Models Active
6/13
Last Updated
Strength: 6 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is CNO Financial Group, Inc. (CNO) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, CNO Financial Group, Inc. (CNO) appears overvalued as of : the median of 6 independent fair value estimates is $45.03, 18.7% below the current price of $55.37. Estimates range from $25.11 to $60.71. CNO scores 7.3/10 on fundamental quality and 12/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. CNO’s -18.7% gap is narrower than that market norm, and the Insurance - Life sector median is +10.7%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy CNO Financial Group, Inc. Stock in 2026? →

What Fair Value Does Each Model Give CNO?

6 Intrinsic Value Models vs. Current Price ($55.37)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $44.78 -19.1%
Ensemble · Medium Conviction
 $44.36 -19.9%
Intrinsic · High Conviction
 $45.28 -18.2%
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What Is CNO's Fair Value Range?

Spread across 6 independent models · $25.11 to $60.71

CirclFi's 6 active models place CNO Financial Group, Inc. (CNO) between $25.11 and $60.71 per share, a spread of 79% of the median. The median of that range — $45.03 — is the fair value CirclFi publishes for CNO, against a current price of $55.37.

Low · ML-RIVHigh · Regime Cross
$25.11median $45.03$60.71
Where the range comes from
Most bearish modelML Residual Income$25.11
Most bullish modelRegime Cross-Sectional$60.71
Model agreement1 bullish · 4 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on CNO, not a CirclFi price target. How each model works →

What Is CNO Financial Group, Inc. (CNO) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, CNO Financial Group, Inc.'s intrinsic value is estimated at a median fair value of $45.03. Trading at $55.37, the stock is approaching fair value or slight overvaluation (implied return of -18.7%), as 4 of 6 models suggest limited further upside. Model dispersion is worth noting: Regime Cross targets $60.71 (+9.6%), versus ML-RIV at $25.11 (-54.6%). This +64.3% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About CNO?

6 of 13 models are currently active for CNO. Of these, 1 model suggests upside while 5 models suggest overvaluation. Taken together, their median fair value for CNO is $45.03 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does CNO Rank in Insurance - Life?

Among 17 Insurance - Life stocks, CNO ranks #13 by Quality of Company score. CirclFi's QOC score of 7.3/10 evaluates 32 fundamental signals. A score of 7.3 indicates above-average quality.

The Insurance - Life sector introduces analytical considerations specific to risk-bearing enterprise businesses. For CNO Financial Group, Inc., metrics like premium growth rate provide important context that general-purpose valuation models may underweight.

Is CNO a Value Trap?

CirclFi's Value Trap algorithm assigns CNO a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for CNO Financial Group, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, CNO Financial Group, Inc. earns a quality score of 7.3/10. This respectable rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +64.3% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every CNO valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across CNO's 6 active models, average confidence is 43%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy CNO Financial Group, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Insurance - Life Stocks Should You Also Analyze?

11 related Insurance - Life stocks with 13-model coverage

LNCLincoln National CorporationQOC 7.5UNMUnum GroupQOC 7.2PRUPrudential Financial, Inc.QOC 7.6GNWGenworth Financial, Inc.QOC 7.1BHFBrighthouse Financial, Inc.QOC 7.7AAMEAtlantic American CorporationQOC 6.6PUKPrudential plcQOC 2.7UTGNUTG, Inc.QOC 8.0MFCManulife Financial CorporationQOC 7.8PRIPrimerica, Inc.QOC 9.2GLGlobe Life Inc.QOC 8.6

Read investment analysis: LNC · UNM · PRU · GNW · BHF · AAME · PUK · UTGN · MFC · PRI · GL

Which Other Stocks Have a Similar Quality Score to CNO?

7 companies across all industries closest to CNO’s Quality of Company score of 7.3/10.

RHLDResolute Holdings Management, Inc.QOC 7.3CDNACareDx, Inc.QOC 7.3SYMSymbotic Inc.QOC 7.3SAGTSagtec Global LimitedQOC 7.3SPTSprout Social, Inc.QOC 7.3BRZEBraze, Inc.QOC 7.3NVDANVIDIA CorporationQOC 10.0

Read investment analysis: RHLD · CDNA · SYM · SAGT · SPT · BRZE · NVDA

What Else Do Investors Ask About CNO Financial Group, Inc.’s Valuation?

What is CNO Financial Group, Inc.'s intrinsic value in 2026?

CirclFi puts CNO Financial Group, Inc. (CNO)'s intrinsic value at $45.03 — the median of 6 independent model estimates as of 2026-08-28, ranging from $25.11 to $60.71. The Quality of Company score is 7.3/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is CNO overvalued or undervalued right now?

At $55.37, 1 of 6 active models suggest CNO may be undervalued, while 5 indicate potential overvaluation. The median of all 6 fair value estimates is $45.03, 18.7% below the current price of $55.37 — a consensus view that CNO is overvalued. The assessment depends on which methodology best fits CNO Financial Group, Inc.'s business model in Insurance - Life.

What does a Quality of Company score of 7.3 mean for CNO?

CNO Financial Group, Inc.'s QOC of 7.3/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on CNO?

CirclFi analyzes CNO with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on CNO?

Of the 6 models currently active on CNO, Regime Cross-Sectional is the most bullish at $60.71 per share, and ML Residual Income is the most bearish at $25.11. CirclFi's published fair value for CNO is the median of that range, $45.03, not either extreme. The gap between the two ends equals 79% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is CNO a value trap in 2026?

CNO Financial Group, Inc.'s Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, CNO Financial Group, Inc. (CNO) has a median fair value of $45.03 — 18.7% below the current price of $55.37 — as of 2026-08-28.” Source: circlfi.com/stock/CNO/ · Methodology
Primary sources for this CNO valuation
  • Financial statements: CNO Financial Group, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001224608) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for CNO as of ; valuations recomputed .

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