CNO Financial Group vs Primerica
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KIRAβs take AI analyst
I put CNO Financial Group and Primerica side by side, using each oneβs latest annual report. Here is what stands out:
- CNO Financial Group is the larger business, with $4.5B of revenue in fiscal 2025 against $3.3B for Primerica.
- Primerica grew revenue faster (6.6%, against 0.9%).
- Investors pay more for each dollar of CNO Financial Groupβs earnings: a P/E of 18.6x against 11.1x for Primerica.
Who comes out ahead
Of the 5 measures where higher (or lower) is clearly better, how many each company leads.
CNO Financial Group
CNO
1/5
Share count change
Primerica
PRI
4/5
Revenue growth5-year growthNet marginReturn on equity
Side by side
Best in the row
| Latest fiscal year | CNO FY25 | PRI FY25 |
|---|---|---|
| Size | ||
| Market cap | $5.1B | $8.6B |
| Revenue | $4.5B | $3.3B |
| Free cash flow | β | β |
| Net income | $229M | $751M |
| Growth | ||
| Revenue growth | 0.9% | 6.6% |
| 5-year growth | 3.3% | 8.2% |
| Share count change | β7.7% | β4.4% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | 12.3% | β |
| Net margin | 5.1% | 22.8% |
| FCF margin | β | β |
| Return on capital | β | 34.5% |
| Return on equity | 8.9% | 31.9% |
| Balance sheet | ||
| Net debt | β | β$160M |
| Net debt / EBITDA | β | β0.2x |
| Dividends and buybacks | $398M | $586M |
| Valuation & quality | ||
| P/E | 18.6x | 11.1x |
| Piotroski F-score | β | β |
Ten years
Revenue
Operating margin
Free cash flow
Return on capital
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.