---
schema_version: "secwatch.filing_event.v1"
accession: "0001224608-22-000003"
form_type: "8-K"
ticker: "CNO"
cik: "0001224608"
company_name: "CNO Financial Group, Inc."
filed_at: "2022-02-08T23:59:59+00:00"
generated_at: "2026-06-27T09:56:49.398026+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# CNO Financial Q4 net income $115.8M ($0.93 diluted EPS) up 16% YoY; record 2021 buybacks of $402M

## Summary
- Q4 net income $115.8M ($0.93 diluted EPS); net operating income $108.5M ($0.87), up 43% vs $0.61 in Q4 2020.
- Full year 2021 net income $441.0M ($3.36 diluted EPS); operating EPS $2.79, up 10% from 2020.
- Returned $468.1M to shareholders: $402.4M in share repurchases (record) and $65.7M dividends; diluted share count down 11% YoY.
- Direct-to-consumer life NAP exceeded $100M for first time, up 16% YoY; annuity collected premiums up 15% in Q4.
- Will adopt new long-duration contract accounting guidance Jan 1, 2023; expects material decrease to AOCI and profit emergence changes.

## SEC filing metadata
- accession: 0001224608-22-000003
- form_type: 8-K
- ticker: CNO
- cik: 0001224608
- company_name: CNO Financial Group, Inc.
- filed_at: 2022-02-08T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1224608/000122460822000003/0001224608-22-000003-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1224608/000122460822000003/cno-20220208.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001224608-22-000003
- JSON: https://secwatch.observer/filing/0001224608-22-000003.json
- Plain text: https://secwatch.observer/filing/0001224608-22-000003.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.