---
schema_version: "secwatch.filing_event.v1"
accession: "0001224608-22-000033"
form_type: "8-K"
ticker: "CNO"
cik: "0001224608"
company_name: "CNO Financial Group, Inc."
filed_at: "2022-10-31T23:59:59+00:00"
generated_at: "2026-06-22T21:25:55.784544+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# CNO Q3 net income $105M ($0.91 EPS) up 18% YoY; operating income $56.9M ($0.49) down 39%

## Summary
- Net income $105.0M ($0.91 diluted EPS) vs $99.8M ($0.77) in 3Q21; operating EPS $0.49 vs $0.72.
- Pre-tax operating earnings $74.3M vs $119.3M, driven by lower variable investment income and higher expenses.
- Total NAP up 3%; annuity collected premiums up 11%; worksite NAP up 33%.
- Returned $26.1M to shareholders ($10M buybacks, $16.1M dividends); weighted avg shares down 10% YoY.
- Estimated RBC ratio 375%; debt-to-capital ex AOCI 24.7%; book value per diluted share ex AOCI $29.87.

## SEC filing metadata
- accession: 0001224608-22-000033
- form_type: 8-K
- ticker: CNO
- cik: 0001224608
- company_name: CNO Financial Group, Inc.
- filed_at: 2022-10-31T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1224608/000122460822000033/0001224608-22-000033-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1224608/000122460822000033/cno-20221031.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001224608-22-000033
- JSON: https://secwatch.observer/filing/0001224608-22-000033.json
- Plain text: https://secwatch.observer/filing/0001224608-22-000033.txt

## Key facts
- Earnings Releases
  CNO Financial Group, Inc. reported the quarter ended September 30, 2022 results: net income $105.0 million, EPS $0.91 per diluted share.
  - Period: the quarter ended September 30, 2022
  - Net income: $105.0 million
  - EPS: $0.91 per diluted share
  - Result: reported results
  source text: CNO Financial Group, Inc. (NYSE: CNO) today announced that for the quarter ended September 30, 2022, net income was $105.0 million, or $0.91 per diluted share, compared to $99.8 million, or $0.77 per diluted share, in 3Q21.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1224608/000122460822000033/0001224608-22-000033-index.htm

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