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Dec 31, 2025
CNO Financial Group Q4 2025 Earnings Report
CNO Financial Group delivered solid fourth quarter earnings with strong operating income and improved capital metrics.
Key Takeaways
CNO Financial Group reported Q4 2025 net income of $92.9 million and net operating income of $143.4 million, reflecting solid insurance product performance, stable investment income, and a strong capital position exiting the year.
Net income of $92.9 million with diluted EPS of $0.95
Net operating income reached $143.4 million, up year over year
Insurance policy income grew to $662.2 million
Capital and balance sheet metrics remained strong at quarter end
Revenue by Segment
Forward Guidance
Management expressed confidence entering 2026 supported by strong capital, continued sales momentum, and progress toward long-term ROE targets.
Positive Outlook
- Strong capital and liquidity position
- Consistent insurance sales momentum
- Improving operating earnings trend
- Disciplined expense and capital management
- Clear path toward 2027 ROE targets
Challenges Ahead
- Exposure to market-driven investment volatility
- Interest rate sensitivity in investment portfolio
- Potential regulatory and capital requirement changes
- Macroeconomic uncertainty
- Ongoing technology modernization costs
Historical Earnings Impact
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Avg. Return Before/After Earnings
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