Profitability
Weight: 25%
B
70
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 61.6%
- Loss Ratio Trend -1.14 pp/yr
CNO
CNO Financial Group, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
A
90
- 5yr Avg ROE 16.7%
- 5yr Share-Count CAGR -7.3%
Growth Quality
Weight: 10%
D+
42
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR -18.2%
- Loss Ratio Trend (growth quality check) -1.14 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
A-
86
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development 4.4%
- Loss Ratio Stability (σ) 0.25
Balance Sheet
Weight: 25%
C
56
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 0.35x
- Interest Coverage (EBIT/Int) 2.27x
Stability
Weight: 10%
C
55
- EPS Volatility (σ/μ) 0.48
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 6
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 3 trimmed.
- Holders
- 3
- Avg Δ position
- -44.2%
- New buys
- 0
- Full exits
- 0