Key Takeaways CNO delivered Q4 EPS of $1.47, beating estimates by 22.5% as earnings rose from the prior year.CNO's operating revenues grew 2.6% year over year, driven by higher collected premiums and fee income.CNO faced margin pressure as total benefits and expenses jumped 19.3% on higher policy benefits and costs.CNO Financial Group, Inc. (CNO) reported fourth-quarter 2025 adjusted earnings per share (EPS) of $1.47, which beat the Zacks Consensus Estimate by 22.5%. The bottom line rose from $1.31 a year a ...

U.S. healthcare insurance provider Centene Corporation (NYSE:CNC) stock fell on Friday on a mixed outlook for fiscal 2026.Earnings SnapshotThe company reported a fourth-quarter 2025 adjusted loss of $1.19, beating the consensus loss of $1.22 per share, a turnaround from an income of 80 cents a year ago.Centene's sales surged from $40.81 billion to $49.73 billion, exceeding the consensus estimate of $48.39 billion.Centene's health benefits ratio (HBR) is 94.3%, up from 89.6% a year ago.The increase was prima ...

Fourth Quarter 2025 Financial and operating results for the period ended December 31, 2025 February 5, 2026 Unless otherwise specified, comparisons in this presentation are between 4Q24 and 4Q25. 1 IMPORTANT LEGAL INFORMATION Forward-Looking Statements Certain statements made in this presentation should be considered forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. These include statements about future results of operations and capital plans. We caution investor ...

Globe Life (NYSE:GL) Q4 2025 Earnings call February 05, 2026 11:00 AM ET Speaker7Hello, and welcome to Globe Life Inc.'s fourth quarter earnings release call. My name is Jim. I will be your coordinator for today's event. Please note this call is being recorded, and all phone lines have been placed in a listen-only mode to prevent any potential background noise. Also, if you would like to ask a question during today's question and answer session, simply press Star and the digit One on your telephone keypad. ...

Cigna (CI) came out with quarterly earnings of $8.08 per share, beating the Zacks Consensus Estimate of $7.87 per share. This compares to earnings of $6.64 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of +2.70%. A quarter ago, it was expected that this health insurer would post earnings of $7.7 per share when it actually produced earnings of $7.83, delivering a surprise of +1.69%.Over the last four quarters, the company has su ...

2nd Quarter Fiscal 2026 Earnings Presentation February 5, 2026 | We shop. You save. Disclaimer Forward-Looking Statements This presentation contains forward-looking statements. These forward-looking statements reflect our current views with respect to, among other things, future events and our financial performance. These statements are often, but not always, made through the use of words or phrases such as "may," "should," "could," "predict," "potential," "believe," "will likely result," "expect," "continu ...

Earnings Release—Q4 2025 MCKINNEY, Texas, Feb. 4, 2026 /PRNewswire/ -- Globe Life Inc. (NYSE: GL) reported today that for the quarter ended December 31, 2025, net income was $3.29 per diluted common share, compared with $3.01 per diluted common share for the year-ago quarter. Net operating income for the quarter was $3.39 per diluted common share, compared with $3.14 per diluted common share for the year-ago quarter. Net income for the year ended December 31, 2025 was $14.07 per diluted common share, compar ...

Morgan Stanley maintains an "Overweight" rating for UnitedHealth (NYSE:UNH), with a slight adjustment in the price target from $411 to $409.The stock price of UnitedHealth shows a modest increase, reflecting a 0.50% rise for the day, amidst a year of significant volatility.UnitedHealth, along with other major Minnesota-based companies, calls for an "immediate deescalation" of tensions in Minnesota, highlighting its commitment to social responsibility.UnitedHealth Group Incorporated, trading on the NYSE unde ...

Core Viewpoint - UnitedHealth (UNH) shares are under pressure following President Trump's announcement regarding the elimination of insurance brokers and corporate middlemen, which could lead to lower healthcare premiums but also impact the company's profitability negatively [1][3][4]. Group 1: Impact of Policy Changes - Trump's proposed healthcare plan is concerning for UnitedHealth as it relies on distribution networks that include brokers, and reducing their role may decrease administrative fees and pricing flexibility [3]. - The potential reduction in cost-sharing reduction (CSR) funding could lower premiums for consumers but may also cap insurer margins on exchange plans, leading to lower profitability for UnitedHealth and its peers in individual markets [4]. Group 2: Investment Outlook - Despite the policy challenges, Bernstein analysts maintain a positive outlook on UnitedHealth, viewing it as a "top pick" for 2026 due to its strong position for margin recovery and ongoing exit from unprofitable business segments [5]. - Bernstein projects that UnitedHealth shares could rally by 80% over the next three years, supported by a healthy dividend yield of 2.67% [6]. - Other Wall Street firms also recommend holding onto UNH shares through 2026, indicating a consensus on the stock's long-term potential despite current headwinds [7].

Summary of LendingTree Conference Call Company Overview - **Company**: LendingTree - **CEO**: Scott Peyree - **Industry**: Fintech, specifically focusing on online performance marketing for financial products Key Points Leadership Transition - Scott Peyree transitioned to CEO following the unexpected passing of Doug, the founder of LendingTree, in October 2023. Peyree had been with the company since 2018 and was previously the Chief President and COO, which facilitated a smoother transition into the CEO role [5][6]. Business Portfolio - LendingTree aims to be the number one destination for shopping financial products, offering a diversified portfolio that includes: - **Insurance Products**: Auto, home, and health insurance, with auto insurance being the largest segment [8][9]. - **Lending Products**: Mortgage products (purchase, refinance, home equity), personal loans, small and medium-sized business lending, credit cards, deposits, and auto loans [9]. Insurance Market Insights - The insurance market has rebounded post-COVID, with record revenues and VMD (Value of Marketing Dollars) in 2025 across all insurance categories. The growth cycle is expected to continue into 2026 [10][11]. - California's insurance market is improving due to regulatory changes, allowing for more aggressive marketing and consumer acquisition [13][14]. - The top brands in the insurance market, such as Progressive and State Farm, dominate advertising spend, which influences market dynamics [16]. Home Business Dynamics - The home business is highly dependent on interest rates, with current levels being at a trough. The HELOC (Home Equity Line of Credit) segment has seen growth, but the refinance market is anticipated to rebound significantly if interest rates drop to around 5.5% [22][24][30]. - The refinance product is more valuable and profitable compared to purchase loans, which have a longer sales cycle [26][27]. Consumer Lending Segment - The consumer side includes small business lending, personal loans, credit cards, deposits, and auto loans, with small business lending being the fastest-growing segment [35]. - Personal loans are less sensitive to interest rates, primarily driven by debt consolidation needs. The growth potential hinges on lenders becoming more comfortable with credit risk [39][40]. Growth Projections - LendingTree expects to sustain double-digit growth across its business segments, driven by operational excellence and market opportunities [42][43]. - The company is investing in AI to enhance marketing efficiency and improve the consumer shopping experience, which is expected to drive engagement and revenue growth [44][48]. Financial Metrics and Capital Structure - The company has a current debt of $400 million, with a goal to reduce net debt to around $200 million to maintain a conservative capital structure [58][60]. - EBITDA is expected to grow faster than VMD, with a focus on improving operating leverage and free cash flow conversion [57][62]. Future Outlook - LendingTree is positioning itself for future growth through brand repositioning and expanding its market presence beyond just mortgages [63]. - The integration of AI tools is anticipated to fundamentally change the shopping experience for consumers, making it easier to compare financial products [47][48]. Additional Insights - The competitive landscape has shifted, with some competitors exiting the market, allowing LendingTree to strengthen its position as a leading provider in the mortgage sector [32][33]. - The company is exploring new consumer acquisition strategies, including leveraging AI and LLMs (Large Language Models) to enhance customer engagement [65][66].