---
schema_version: "secwatch.filing_event.v1"
accession: "0001224608-23-000004"
form_type: "8-K"
ticker: "CNO"
cik: "0001224608"
company_name: "CNO Financial Group, Inc."
filed_at: "2023-02-07T23:59:59+00:00"
generated_at: "2026-06-19T22:31:39.077667+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# CNO Financial Q4 net income $0.37/sh vs $0.93; operating EPS $0.56 vs $0.87

## Summary
- Net income $43.4M ($0.37 diluted) in Q4 2022, down 68% from $115.8M ($0.93) in Q4 2021.
- Net operating income $65.8M ($0.56) vs $108.5M ($0.87), down 39% year-over-year.
- Full-year 2022 net operating income $273.9M ($2.33) vs $365.6M ($2.79), down 25%.
- Sales growth: direct-to-consumer NAP +10%, Worksite NAP +20%, annuity collected +15% in 2022.
- Returned $244.8M to shareholders in 2022; diluted share count reduced 10% vs 2021.

## SEC filing metadata
- accession: 0001224608-23-000004
- form_type: 8-K
- ticker: CNO
- cik: 0001224608
- company_name: CNO Financial Group, Inc.
- filed_at: 2023-02-07T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1224608/000122460823000004/0001224608-23-000004-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1224608/000122460823000004/cno-20230207.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001224608-23-000004
- JSON: https://secwatch.observer/filing/0001224608-23-000004.json
- Plain text: https://secwatch.observer/filing/0001224608-23-000004.txt

## Key facts
- Earnings Releases
  CNO Financial Group, Inc. reported the year ended December 31, 2022 results: net income $396.8 million, EPS $3.37 per diluted share.
  - Period: the year ended December 31, 2022
  - Net income: $396.8 million
  - EPS: $3.37 per diluted share
  - Result: reported results
  source text: Net income for the year ended December 31, 2022 was $396.8 million, or $3.37 per diluted share, compared to $441.0 million, or $3.36 per diluted share, in 2021.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1224608/000122460823000004/0001224608-23-000004-index.htm
- Earnings Releases
  CNO Financial Group, Inc. reported the quarter ended December 31, 2022 results: net income $43.4 million, EPS $0.37 per diluted share.
  - Period: the quarter ended December 31, 2022
  - Net income: $43.4 million
  - EPS: $0.37 per diluted share
  - Result: reported results
  source text: CNO Financial Group, Inc. (NYSE: CNO) today announced that for the quarter ended December 31, 2022, net income was $43.4 million, or $0.37 per diluted share, compared to $115.8 million, or $0.93 per diluted share, in 4Q21.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1224608/000122460823000004/0001224608-23-000004-index.htm

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