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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
CNO Financial Group
CNO Financial Group (CNO) investor relations material
CNO Financial Group Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary30 Oct, 2026
Executive summary
Operating EPS rose 47% YoY to $1.90; adjusted for significant items, EPS was $1.42, up 48%. FY26 guidance increased to $5.05–$5.15.
Sales grew for a 17th consecutive quarter and producing-agent counts for a 15th; $77 million was returned to shareholders.
Net income was $161.1 million vs. $23.1 million; net operating income was $179.1 million vs. $127.2 million.
Financial highlights
Net operating income excluding significant items was $134.2 million vs. $95.0 million; adjusted EPS was $1.42 vs. $0.96.
Insurance product margin excluding significant items rose 7% to $276.7 million from $259.2 million.
Total net investment income rose 13%; unallocated investment income was $68.1 million vs. $39.5 million.
Q3 revenue was $1,086.0 million vs. $1,188.7 million; investment losses totaled $64.7 million, including $32.6 million realized losses.
Book value per diluted share excluding AOCI was $41.29, up 8%; $77 million was returned to shareholders.
Outlook and guidance
FY26 operating EPS guidance, excluding significant items, increased to $5.05–$5.15, with the midpoint up 9%.
FY26 expense ratio guidance narrowed to 18.6%–18.8%; effective tax-rate guidance is ~20.5%.
FY26 free cash flow guidance is $220–$240 million; fee-income outlook is ~$25 million.
Operating ROE in 2026 is expected to exceed the prior 12% year-end 2027 target; new long-term targets are expected in February 2027.
Capital targets remain RBC of 360%–390%, holding-company liquidity of at least $150 million, and debt-to-total-capital of 25%–28%.
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Next CNO Financial Group earnings date
Q4 20265 Feb, 2027
CNO Financial Group
Next CNO Financial Group earnings date
Q4 20265 Feb, 2027
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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.