CNO Financial Group reported its fourth quarter (Q4) 2025 earnings, delivering another year of strong financial and operational performance. The company achieved all of its 2025 guidance metrics, highlighting continued momentum in its core business segments. For Q4 2025, CNO Financial Group reported net operating income of USD 127.2 million. The insurance product margin for the quarter totaled USD 300.5 million, with annuity margin at USD 72.9 million, health margin at USD 157.0 million, and life margin at USD 70.6 million. Operating earnings before taxes reached USD 162.8 million. In terms of sales performance, total new annualized premiums $(NAP)$ increased by 15 percent in Q4 2025, with both the Consumer and Worksite Divisions also recording 15 percent growth in NAP. Collected annuity premium rose 9 percent in the same period. CNO Financial Group maintained a free cash flow in the range of USD 200 million to USD 250 million and reported a risk-based capital $(RBC)$ ratio between 360 and 390 percent. The company also held a minimum holding company liquidity of USD 150 million and maintained a debt to total capital ratio between 25 and 28 percent. The company emphasized its exclusive middle-market focus and "last-mile" captive distribution as key competitive advantages. CNO Financial Group also cited significant demographic tailwinds, consistent execution on growth and return on equity improvement, and strong balance sheet resilience as core strengths for the period.

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