

CNO Financial Group vs TFS Financial
This page compares CNO Financial Group and TFS Financial Corp, outlining their business models, financial performance, and market context in a neutral, accessible way. It presents factual information to help readers understand how each company operates and positions itself within the sector. Educational content, not financial advice.
This page compares CNO Financial Group and TFS Financial Corp, outlining their business models, financial performance, and market context in a neutral, accessible way. It presents factual information ...
Which Baskets Do They Appear In?
Navigating Retirement State By State
A carefully curated collection of companies helping Americans prepare for retirement in different regions. With retirement costs varying dramatically by state and Social Security uncertainties growing, these financial providers offer solutions for creating personalized, location-specific retirement plans.
Published: July 1, 2025
Explore BasketWhich Baskets Do They Appear In?
Navigating Retirement State By State
A carefully curated collection of companies helping Americans prepare for retirement in different regions. With retirement costs varying dramatically by state and Social Security uncertainties growing, these financial providers offer solutions for creating personalized, location-specific retirement plans.
Published: July 1, 2025
Explore BasketInvestment Analysis
Pros
- CNO Financial has demonstrated strong recent earnings growth, with net income more than doubling year-on-year in the third quarter of 2025.
- The company maintains a diversified product portfolio across annuity, life, and health insurance, supporting stable premium income and fee revenue growth.
- CNO Financial has a consistent dividend record, having declared its 50th consecutive quarterly dividend, reflecting financial stability and shareholder commitment.
Considerations
- CNO Financial's share price has recently fallen below its 200-day moving average, indicating potential near-term weakness in investor sentiment.
- The company's forward P/E ratio is higher than the industry average, suggesting a relatively expensive valuation compared to peers.
- CNO Financial's growth is closely tied to the performance of its fixed maturity investment portfolio, which is exposed to interest rate and credit risk.

TFS Financial
TFSL
Pros
- TFS Financial maintains a strong balance sheet with high levels of liquidity and a conservative loan portfolio, supporting resilience in uncertain markets.
- The company has consistently delivered solid returns on equity and maintains a low-cost deposit base, enhancing profitability in a competitive sector.
- TFS Financial offers a relatively attractive dividend yield, appealing to income-focused investors seeking stable payouts.
Considerations
- TFS Financial's growth prospects are limited by its regional focus and dependence on the local Ohio market, constraining expansion opportunities.
- The company faces margin pressure from persistently low interest rates, which compress net interest margins and limit earnings upside.
- TFS Financial's stock has underperformed broader financial indices over the past year, reflecting investor concerns about limited growth catalysts.
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