---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-25-004282"
form_type: "8-K"
ticker: "CNO"
cik: "0001224608"
company_name: "CNO Financial Group, Inc."
filed_at: "2025-02-06T23:59:59+00:00"
generated_at: "2026-05-27T01:28:14.135052+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# CNO Financial Q4 net income $166.1M ($1.58 EPS); operating EPS up 41% YoY ex items

## Summary
- Net income $166.1M ($1.58 diluted EPS) vs $36.3M ($0.32) in 4Q23; FY net income $404.0M ($3.74).
- Operating EPS ex significant items up 41% in Q4, 40% for FY; total NAP up 13% (Worksite +23%, Consumer +11%).
- Record annuity collected premiums up 12% in Q4, 13% for FY; returned $108M to shareholders in Q4, $349M FY (up 50% YoY).
- Book value per diluted share ex-AOCI $37.19 (up 10% YoY); operating ROE 11.9% vs 9.8% in 2023.
- Holding company cash $372.5M; issued $700M 6.450% senior notes due 2034 in May 2024; debt-to-cap ratio 42.3%.

## SEC filing metadata
- accession: 0001628280-25-004282
- form_type: 8-K
- ticker: CNO
- cik: 0001224608
- company_name: CNO Financial Group, Inc.
- filed_at: 2025-02-06T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1224608/000162828025004282/0001628280-25-004282-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1224608/000162828025004282/cno-20250206.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-004282
- JSON: https://secwatch.observer/filing/0001628280-25-004282.json
- Plain text: https://secwatch.observer/filing/0001628280-25-004282.txt

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