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CNO Financial Group (CNO) investor relations material
CNO Financial Group Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary4 Nov, 2025
Executive summary
Achieved record third quarter results with new annualized premiums up 26% year-over-year and double-digit insurance sales growth in both Consumer and Worksite divisions.
Operating EPS rose 16% to $1.29, with 13th consecutive quarter of strong insurance sales and 11th consecutive quarter of producing agent income growth.
Net income for Q3 2025 was $23.1 million, up from $9.3 million in Q3 2024, despite non-economic accounting impacts from market volatility.
Announced exit from worksite fee services business to focus on core insurance, expecting completion in 1H 2026.
Executed a second Bermuda reinsurance treaty, seeding $1.8 billion of supplemental health reserves and ceding 50% of new supplemental health business.
Financial highlights
Operating earnings per diluted share were $1.29, up 16% year-over-year; net operating income for 3Q25 was $127.2 million, up from $119.2 million in 3Q24.
Book value per diluted share, excluding AOCI, was $38.10, up 6% year-over-year.
Returned $76 million to shareholders in the quarter and $310 million year-to-date via share repurchases and dividends.
Operating ROE was 12.1% on a trailing 12-month basis; 11.2% excluding significant items.
Recorded a $96.7 million impairment on goodwill and intangibles from fee services acquisitions.
Outlook and guidance
Revised 2027 operating ROE target to 200 basis points improvement, with 50 bps in 2025, off a 10% 2024 run rate.
Narrowed 2025 operating EPS guidance to $3.75–$3.85, maintaining the midpoint.
Raised excess cash flow to holding company guidance to $365–$385 million for 2025.
Expense ratio expected at ~19%, down from prior 19.0–19.2% range.
Effective tax rate on operating earnings expected between 22.0% and 22.5%.
Expected ROE impact from Worksite fee exit?
Impact of unrealized losses on future capital?
Key drivers for increased 2027 ROE target?
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Next CNO Financial Group earnings date
Q4 20256 Feb, 2026
Next CNO Financial Group earnings date
Q4 20256 Feb, 2026
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Frequently asked questions
CNO Financial Group Inc provides insurance and financial services to middle-income Americans. Its offerings include life insurance, annuities, supplemental health insurance, and long-term care insurance through subsidiaries like Bankers Life and Colonial Penn. The company is headquartered in Carmel, Indiana, and its shares are listed on the NYSE.
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