NYSEFinancialsLife & Health InsuranceS&P MidCap 400
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Close of Nov 06, 2026 · end-of-day data
CNO 8-K filings, explained
Every material Form 8-K CNO Financial has filed with the SEC since May 13, 2024, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
CNO Financial Group reported third quarter 2026 net income of $161 million, or $1.71 per diluted share, up from $23.1 million, or $0.24, a year earlier. The company raised its full-year 2026 operating EPS guidance, with the midpoint up 9% from prior guidance. Total revenues fell to $1,086.0 million from $1,188.7 million, and $44.9 million of favorable significant items from the annual actuarial review boosted results.
Net operating income was $179.1 million, or $1.90 per diluted share, up 47% from $1.29 in 3Q25.
2026 operating EPS guidance midpoint raised 9% from prior guidance.
Total revenues were $1,086.0 million, compared with $1,188.7 million in 3Q25.
Significant items from the comprehensive annual actuarial review added $44.9 million, or $0.48 per diluted share, to 3Q26 results.
CNO Financial Group reported second quarter 2026 net income of $126 million, or $1.33 per diluted share, up from $91.8 million, or $0.91 per diluted share, a year earlier. The company also raised its full-year 2026 operating earnings per share guidance by 8% at the midpoint, which points to higher expected per-share earnings for shareholders.
Net income was $126 million, or $1.33 per diluted share, versus $91.8 million, or $0.91, in 2Q25.
Net operating income was $120 million, or $1.26 per diluted share, up 45% from $0.87 in 2Q25.
2026 operating EPS guidance raised by 8% at the midpoint from prior guidance.
Repurchased $60.0 million of common stock in 2Q26; authority to repurchase up to an additional $300.4 million remained at June 30, 2026.
CNO Financial Group reported first quarter 2026 net income of $38 million, or $0.39 per diluted share, up from $21.5 million, or $0.21 per diluted share, a year earlier. Net operating income, a non-GAAP measure, was $101 million, or $1.05 per diluted share, up 33% per share, and total revenues rose to $1,029.6 million from $1,004.1 million. Shareholders also face a lower book value per share of $26.64 at March 31, 2026, compared with $27.92 at December 31, 2025.
Net income was $38 million ($0.39 per diluted share) in 1Q26, compared with $21.5 million ($0.21) in 1Q25.
Net operating income was $101 million ($1.05 per diluted share), compared with $0.79 per diluted share in 1Q25.
Total revenues were $1,029.6 million, compared with $1,004.1 million in 1Q25.
CNO repurchased $60.0 million of common stock in 1Q26 and had authority to repurchase up to an additional $360.4 million.
CNO Financial Group's Board declared a $0.17 per share quarterly dividend, payable March 24, 2026. Director Nina Henderson, who joined the Board in 2012, will retire when her term ends at the May 12, 2026 annual meeting, and her decision was not based on any disagreement with the company. The Board will have nine directors after her retirement.
Quarterly dividend of $0.17 per common share, payable March 24, 2026, to holders of record at the close of business on March 10, 2026
Director Nina Henderson, who joined the Board in 2012, will retire at the conclusion of her current term at the 2026 annual meeting
Henderson chairs the Human Resources and Compensation Committee and is a member of the Investment Committee
Virtual annual meeting of shareholders on May 12, 2026, at 8:00 a.m. ET; holders of record on March 16, 2026 may vote
CNO Financial Group reported fourth quarter 2025 net income of $93 million, or $0.95 per diluted share, down from $183 million, or $1.74, a year earlier, mainly due to non-economic accounting impacts from market volatility. Net operating income, a non-GAAP measure that excludes those items, rose to $143 million, or $1.47 per diluted share, from $1.31 per share in the prior-year quarter. The company said it achieved, and in most cases exceeded, its 2025 guidance metrics.
Q4 2025 net income was $93 million ($0.95 per diluted share), versus $183 million ($1.74) in Q4 2024.
Q4 2025 net operating income was $143 million ($1.47 per diluted share), up 12% per share from $1.31.
Full-year 2025 net income was $229 million ($2.30 per diluted share), versus $421 million ($3.89) in 2024, including a $101.9 million goodwill and other asset impairment.
Full-year 2025 net operating income was $439 million ($4.40 per diluted share), up 11% per share; the company returned $386 million to shareholders.
CNO Financial Group's board appointed Linda T. Gibson as an independent director effective January 15, 2026, increasing the board to ten members. She joins the Audit and Enterprise Risk Committee and the Investment Committee, and her director pay will follow the company's standard non-employee director arrangements, prorated from her start date.
Linda T. Gibson appointed independent director on January 15, 2026; board size rises to 10
Gibson named to Audit and Enterprise Risk Committee and Investment Committee
Gibson formerly chaired and led PGIM Quantitative Solutions, 2021 to 2025
Company expects to sign an indemnification agreement with Gibson
CNO Financial Group reported third quarter 2025 net income of $23.1 million, or $0.24 per diluted share, up from $9.3 million, or $0.09, a year earlier, and total revenues of $1,188.7 million compared with $1,129.6 million. The results include a $96.7 million non-operating goodwill and other asset impairment tied to the Web Benefits Design and DirectPath acquisitions, and the company raised its run rate operating return on equity target by 50 basis points.
Net income was $23.1 million, or $0.24 per diluted share, versus $9.3 million, or $0.09, in 3Q24.
Net operating income was $127.2 million, or $1.29 per diluted share, versus $119.2 million, or $1.11, in 3Q24.
A $96.7 million non-operating charge covered goodwill and other asset impairment related to the 2019 and 2021 acquisitions of Web Benefits Design and DirectPath.
The operating ROE target was raised by 50 basis points, for 200 basis points of total improvement through 2027 from a 2024 run rate of 10%.
CNO Financial Group reported second-quarter 2025 net income of $91.8 million, or $0.91 per diluted share, down from $116.3 million, or $1.06 per diluted share, a year earlier. Total revenues rose to $1,151.5 million from $1,066.2 million, and the company said it remains on track for its 2025-2027 return on equity targets.
Net income was $91.8 million ($0.91 per diluted share) in 2Q25, versus $116.3 million ($1.06) in 2Q24
Net operating income, which excludes non-economic accounting impacts, was $87.5 million ($0.87 per diluted share) versus $114.6 million ($1.05) a year earlier
Total revenues were $1,151.5 million in 2Q25 compared with $1,066.2 million in 2Q24
Management said Second quarter 2024 earnings were elevated relative to its typical run rate; a conference call is scheduled for July 29, 2025 at 11:00 a.m. Eastern Time
On May 8, 2025, CNO Financial Group entered a sixth amendment to its revolving credit agreement with KeyBank as administrative agent, lowering interest rates and commitment fees, raising debt and lien baskets, and extending the facility's maturity to May 8, 2030. The same day, shareholders approved all six proposals at the annual meeting, including the Amended Long-Term Incentive Plan and the election of nine directors. The amendment gives the company more borrowing flexibility and lower borrowing costs, though the filing says the credit agreement still contains other restrictive covenants.
Revolver maturity extended to May 8, 2030; SOFR loan margins reduced to 1.125% to 1.750% and base rate margins to 0.125% to 0.750%
Letter of credit and swing line sublimits each raised from $5.0 million to $7.5 million
Incremental facilities cap raised from $100.0 million to $200.0 million; general debt and lien baskets raised to the greater of $290.0 million and 7.5% of consolidated net worth
Shareholders approved the Amended LTIP and say-on-pay (83,774,101 for, 5,327,242 against) at the May 8, 2025 annual meeting
CNO Financial Group reported first-quarter 2025 net income of $13.7 million, or $0.13 per diluted share, down from $112.3 million, or $1.01 per diluted share, a year earlier. The company said non-economic accounting impacts from market volatility reduced net income, while net operating income, which excludes those impacts, rose to $81.1 million, or $0.79 per diluted share, from $57.5 million. The company also reaffirmed its full-year 2025 and three-year return on equity guidance.
Net income was $13.7 million ($0.13 per diluted share) in 1Q25, versus $112.3 million ($1.01) in 1Q24.
Net operating income was $81.1 million ($0.79 per diluted share) in 1Q25, versus $57.5 million ($0.52) in 1Q24.
Management reaffirmed full-year 2025 and three-year return on equity guidance.
A conference call to discuss results is scheduled for April 29, 2025 at 11:00 a.m. Eastern Time.
CNO Financial Group reported fourth-quarter 2024 net income of $166.1 million, or $1.58 per diluted share, up from $36.3 million, or $0.32, a year earlier. Net operating income, which excludes non-economic market-volatility accounting impacts, rose to $138.0 million, or $1.31 per diluted share, from $133.9 million, or $1.18. For shareholders, full-year 2024 net income was $404.0 million, or $3.74 per diluted share, versus $276.5 million, or $2.40, in 2023, and the company returned $349.3 million to shareholders during the year.
4Q24 net income $166.1 million, $1.58 per diluted share, versus $36.3 million, $0.32 in 4Q23
4Q24 net operating income $138.0 million, $1.31 per diluted share, versus $133.9 million, $1.18 in 4Q23
Full-year 2024 net income $404.0 million, $3.74 per diluted share, versus $276.5 million, $2.40 in 2023
Returned $349.3 million to shareholders in 2024; $240.3 million of repurchase authority remained at December 31, 2024
CNO Financial Group named Joel Koehneman, a former PricewaterhouseCoopers audit partner and most recently a finance director at CDW Corporation, as chief accounting officer effective January 21, 2025. He succeeds Michellen Wildin, who was told of her replacement on January 2, 2025, and who will stay with the company through April 1, 2025 to support the transition, with the company saying her departure does not involve any disagreement on financial statements or internal controls.
Joel Koehneman, 39, becomes chief accounting officer effective January 21, 2025, and reports to CFO Paul McDonough
Compensation includes a $300,000 annual salary, a 50% target bonus, and a $100,000 one-time sign-on bonus
Michellen Wildin remains chief accounting officer through January 20, 2025 and is expected to stay through April 1, 2025
The company states Wildin's separation is not due to any disagreement on financial statements, internal control, operations, policies or practices
CNO Financial Group reported third-quarter 2024 net income of $9.3 million, or $0.09 per diluted share, down from $167.3 million, or $1.46 per diluted share, a year earlier. The company said non-economic accounting impacts from market volatility reduced 2024 net income, and that net operating income, which excludes those impacts, rose to $119.2 million, or $1.11 per diluted share, from $101.3 million, or $0.88. The company also raised its full-year guidance for earnings and cash flow.
Net income was $9.3 million ($0.09 per diluted share) in 3Q24, compared with $167.3 million ($1.46) in 3Q23; changes in fair value of embedded derivative liabilities and market risk benefits reduced 3Q24 non-operating results by $127.1 mill
Net operating income rose to $119.2 million ($1.11 per diluted share) from $101.3 million ($0.88), up 26% per share.
Full-year guidance was raised for earnings and cash flow.
Annuity collected premiums rose 25%, and the company returned $106.8 million to shareholders in the quarter.
CNO Financial Group's board appointed Jessica A. Turner, Executive Vice President and Global Head of Open Banking and API at Mastercard, as an independent director effective October 1, 2024, increasing the board to nine members. She also joined the Audit and Enterprise Risk Committee and the Governance and Nominating Committee. The filing contains no financial results or guidance, so the change is a governance update rather than a change in the company's financial outlook.
Appointed as an independent director effective October 1, 2024; board size increased to nine members
Named to the Audit and Enterprise Risk Committee and the Governance and Nominating Committee
Compensation follows standard non-employee director arrangements described in the March 27, 2024 proxy statement, prorated for her start date; the company expects to enter an indemnification agreement with her
CNO Financial Group reported second-quarter 2024 net income of $116.3 million, or $1.06 per diluted share, up from $73.7 million, or $0.64 per diluted share, a year earlier. Net operating income rose to $114.6 million, or $1.05 per diluted share, and the company said it is raising full-year guidance on earnings and cash flow. The company returned $77.2 million to shareholders in the quarter through buybacks and dividends.
Net income of $116.3 million, or $1.06 per diluted share, in 2Q24 versus $73.7 million, or $0.64, in 2Q23
Net operating income of $114.6 million, or $1.05 per diluted share, in 2Q24 versus $62.3 million, or $0.54, in 2Q23
Full-year guidance raised on earnings and cash flow
Repurchased $60.0 million of common stock in 2Q24; 106.5 million shares outstanding at June 30, 2024
CNO Financial Group sold $700.0 million of 6.450% senior notes due June 15, 2034, closing the offering on May 13, 2024. The company plans to use the proceeds with cash on hand for general corporate purposes, which may include repaying its $500.0 million of 5.250% senior notes due 2025, which adds new long-term debt to its balance sheet.
Notes: $700.0 million principal, 6.450% coupon, maturing June 15, 2034
Underwriters: Goldman Sachs & Co. LLC, RBC Capital Markets, LLC and Barclays Capital Inc.
Proceeds may repay $500.0 million of 5.250% senior notes due 2025
Notes issued under a June 12, 2019 indenture with U.S. Bank Trust Company, National Association as trustee
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