Financial Analysis
Filing-based analysis. Market pricing is not included. Fundamentals from SEC filings; economic data from FRED and the BLS. About our data
Filing evidence summary
Monitor evidenceCoverage 3/5 core metricsLatest reported annual revenue changed +0.9% from the prior reported annual observation.
Backward-looking filed evidence under visible rules - not a rating, forecast or investment advice. Missing data is never scored.
Evidence signals
- Revenue was broadly stable
Latest reported annual revenue changed +0.9% from the prior reported annual observation.
Why this surfaced
Direction threshold: above +2% constructive; below -2% caution; otherwise monitor. This is not labeled one-year growth when filing periods have a gap. Period end 2025-12-31.
- Operating margin was stable
Operating margin changed -0.1 percentage points from the prior annual period.
Why this surfaced
Direction threshold: more than +1 percentage point constructive; below -1 point caution. Period end 2025-12-31.
- No current rule-based risk flags
1 filing-based checks were evaluable.
Why this surfaced
The full financial analysis shows each value, threshold, and sector limitation.
Core trend metrics
Hover a tile for its exact definition; the Statements tab carries per-cell filing citations.
Where to look next
Risk checks
Financial movement
- Cash→ flat
- Long-term debt→ flat
- Inventory→ flat
- Receivables→ flat
- Current assets→ flat
Source & freshness
- Source
- SEC EDGAR XBRL
- Fetched
- 2026-09-06
- Latest period end
- 2025-12-31
- Filings
- EDGAR ↗
Reported segment mix
figures as filed · share of the filed sum · change vs the prior period in the same filing- Insurance Product Lines Segment$456M100.0%+7.4% yoy
Members sum to $456M against $553M consolidated (residual $96.9M) - eliminations or corporate lines the filer did not tag on this axis.
Source: SEC DERA Financial Statement and Notes data sets. Dimensional XBRL facts on the business-segment, product/service and geographic axes; the engine keeps the accession of every figure. Descriptive and educational, not advice.
Peer percentiles
latest fiscal year ending 2025-12-31 · among 4,122 US-listed filers · 907 in Financials| Metric | Value | vs all filers | vs sector |
|---|---|---|---|
Revenue latest fiscal-year revenue as filed | $4.5B | 79thof 3,301 top third | 84thof 541 top third |
Operating margin operating income ÷ revenue | 12.3% | 73rdof 2,819 top third | 51stof 234 middle third |
Net margin net income ÷ revenue | 5.1% | 59thof 3,263 middle third | 33rdof 534 bottom third |
Return on equity net income ÷ stockholders' equity (positive equity only) | 8.7% | 62ndof 3,577 middle third | 49thof 774 middle third |
Interest coverage operating income ÷ interest expense (interest expense > 0) | 2.4× | 58thof 819 middle third | 57thof 80 middle third |
Cash conversion operating cash flow ÷ net income (net income > 0) | 3.0× | 81stof 2,183 top third | 89thof 673 top third |
Each filer's latest fiscal year as stored by the nightly crawl; fiscal year ends differ across the universe. A metric ranks only filers for which it is computable from filed facts. Ties split; a rank reads "better than N% of filers" in the metric's own direction. Descriptive and educational, not a rating.
Earnings quality
latest fiscal year ending 2025-12-31 · accruals and cash conversion as filedPer fiscal year from filed facts: cash conversion = operating cash flow / net income (net income > 0); cash-flow accrual ratio = (net income - operating cash flow) / average total assets; balance-sheet accrual ratio = change in net operating assets / average net operating assets, NOA = (assets - cash) - (liabilities - debt). Descriptive; a missing input yields a missing ratio. High accrual ratios and cash conversion well below one are the measures the accruals literature associates with less persistent earnings; they are screens to read the cash-flow statement with, not conclusions. The per-year series is part of Pro risk analysis.
Point-in-time ledger
first-reported vs latest filing · periods since 2020-01-01 · 26 changed periods| Line item | Period | First reported | Latest filing | Change | Filings |
|---|---|---|---|---|---|
| Net income NetIncomeLoss | quarter 2022-06-30 | $136M 10-Q 2022-08-05 | $233M 10-K 2024-02-23 | +71.4% | first · latest · 4 filings carry it |
| Net income NetIncomeLoss | quarter 2022-09-30 | $105M 10-Q 2022-11-04 | $176M 10-K 2024-02-23 | +67.5% | first · latest · 4 filings carry it |
| Net income NetIncomeLoss | quarter 2022-03-31 | $112M 10-Q 2022-05-06 | $183M 10-K 2024-02-23 | +63.3% | first · latest · 4 filings carry it |
| Net income NetIncomeLoss | fiscal year 2022-12-31 | $397M 10-K 2023-02-24 | $631M 10-K 2025-02-26 | +58.9% | first · latest · 3 filings carry it |
| Net income NetIncomeLoss | quarter 2025-03-31 | $13.7M 10-Q 2025-05-07 | $21.5M 10-Q 2026-05-07 | +56.9% | first · latest · 5 filings carry it |
| Depreciation and amortization DepreciationDepletionAndAmortization | quarter 2022-03-31 | $113M 10-Q 2022-05-06 | $61.1M 10-Q 2023-05-10 | -45.8% | first · latest |
| Stockholders' equity StockholdersEquity | balance at 2022-09-30 | $1.3B 10-Q 2022-11-04 | $1.86B 10-Q 2023-11-08 | +43.6% | first · latest |
| Operating income OperatingIncomeLoss | quarter 2022-09-30 | $74.3M 10-Q 2022-11-04 | $101M 10-Q 2023-11-08 | +35.9% | first · latest |
| Operating income OperatingIncomeLoss | quarter 2022-06-30 | $130M 10-Q 2022-08-05 | $174M 10-Q 2023-08-09 | +34.3% | first · latest |
| Operating income OperatingIncomeLoss | fiscal year 2022-12-31 | $357M 10-K 2023-02-24 | $467M 10-K 2025-02-26 | +30.7% | first · latest · 3 filings carry it |
| Stockholders' equity StockholdersEquity | balance at 2021-12-31 | $5.26B 10-K 2022-02-24 | $3.68B 10-K 2025-02-26 | -29.9% | first · latest · 10 filings carry it |
| Net income NetIncomeLoss | fiscal year 2021-12-31 | $441M 10-K 2022-02-24 | $570M 10-K 2024-02-23 | +29.3% | first · latest · 3 filings carry it |
| Depreciation and amortization DepreciationDepletionAndAmortization | fiscal year 2022-12-31 | $345M 10-K 2023-02-24 | $249M 10-K 2025-02-26 | -28.0% | first · latest · 3 filings carry it |
| Stockholders' equity StockholdersEquity | balance at 2022-12-31 | $1.4B 10-K 2023-02-24 | $1.77B 10-K 2026-02-24 | +26.3% | first · latest · 10 filings carry it |
| Depreciation and amortization DepreciationDepletionAndAmortization | fiscal year 2021-12-31 | $320M 10-K 2022-02-24 | $237M 10-K 2024-02-23 | -25.9% | first · latest · 3 filings carry it |
| Operating income OperatingIncomeLoss | quarter 2022-03-31 | $68M 10-Q 2022-05-06 | $84.5M 10-Q 2023-05-10 | +24.3% | first · latest |
| Stockholders' equity StockholdersEquity | balance at 2022-03-31 | $3.69B 10-Q 2022-05-06 | $2.82B 10-Q 2023-08-09 | -23.6% | first · latest · 4 filings carry it |
| Net income NetIncomeLoss | quarter 2022-12-31 | $43.4M 10-K 2023-02-24 | $38M 10-K 2024-02-23 | -12.4% | first · latest |
| Net income NetIncomeLoss | quarter 2024-12-31 | $166M 10-K 2025-02-26 | $183M 10-K 2026-02-24 | +10.1% | first · latest |
| Operating income OperatingIncomeLoss | fiscal year 2021-12-31 | $471M 10-K 2022-02-24 | $515M 10-K 2024-02-23 | +9.4% | first · latest · 3 filings carry it |
| Net income NetIncomeLoss | fiscal year 2024-12-31 | $404M 10-K 2025-02-26 | $421M 10-K 2026-02-24 | +4.2% | first · latest · 4 filings carry it |
| Stockholders' equity StockholdersEquity | balance at 2022-06-30 | $2.21B 10-Q 2022-08-05 | $2.13B 10-Q 2023-11-08 | -3.8% | first · latest · 4 filings carry it |
| Total liabilities Liabilities | balance at 2022-12-31 | $31.9B 10-K 2023-02-24 | $31.4B 10-K 2024-02-23 | -1.8% | first · latest · 5 filings carry it |
| Stockholders' equity StockholdersEquity | balance at 2025-03-31 | $2.53B 10-Q 2025-05-07 | $2.56B 10-Q 2026-08-06 | +1.0% | first · latest · 4 filings carry it |
| Stockholders' equity StockholdersEquity | balance at 2024-12-31 | $2.5B 10-K 2025-02-26 | $2.52B 10-Q 2026-08-06 | +0.7% | first · latest · 7 filings carry it |
| Total assets Assets | balance at 2022-12-31 | $33.3B 10-K 2023-02-24 | $33.1B 10-K 2024-02-23 | -0.6% | first · latest · 5 filings carry it |
First filing reporting each period vs the latest filing carrying it (10-K and 10-Q only, periods since 2020, the extractor's winning tag per concept); a change under 0.5% is treated as rounding. A change can be a restatement, a reclassification or a re-tagging in a later comparative column; the two filings are linked so the reader can see which. Descriptive, not a verdict.
Notes by disclosure type
Not available for CNO yet: no footnote text blocks on file for this filer in the ingested DERA files.
Fundamentals from SEC EDGAR. Scores, the DCF, and every model shown are educational analysis, not investment advice or price predictions.