HORACE MANN EDUCATORS (HMN) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:HMN - US4403271046 - Common Stock
42.47 USD
-0.41 (-0.96%)
42.47 USD
0 (0%)
HMN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 149 industry peers in the Insurance industry. HMN may be in some trouble as it scores bad on both profitability and health. HMN is valued quite cheap, while showing a decent growth score. This is a good combination! HMN also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year HMN was profitable.
- HMN had a positive operating cash flow in the past year.
- Of the past 5 years HMN 4 years were profitable.
- In the past 5 years HMN always reported a positive cash flow from operatings.
1.2 Ratios
- HMN has a Return On Assets of 1.06%. This is in the lower half of the industry: HMN underperforms 61.74% of its industry peers.
- The Return On Equity of HMN (11.39%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 11.39% | ||
| ROIC | N/A |
ROA(3y)0.34%
ROA(5y)0.6%
ROE(3y)3.86%
ROE(5y)5.39%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- HMN has a better Profit Margin (9.79%) than 61.07% of its industry peers.
- HMN's Profit Margin has declined in the last couple of years.
- HMN's Operating Margin of 14.25% is in line compared to the rest of the industry. HMN outperforms 59.73% of its industry peers.
- In the last couple of years the Operating Margin of HMN has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 14.25% | ||
| PM (TTM) | 9.79% | ||
| GM | N/A |
OM growth 3Y-12.94%
OM growth 5Y-12.98%
PM growth 3Y-15.29%
PM growth 5Y-12.85%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- HMN does not have a ROIC to compare to the WACC, probably because it is not profitable.
- HMN has about the same amout of shares outstanding than it did 1 year ago.
- HMN has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, HMN has an improved debt to assets ratio.
2.2 Solvency
- HMN has a debt to FCF ratio of 1.37. This is a very positive value and a sign of high solvency as it would only need 1.37 years to pay back of all of its debts.
- With a decent Debt to FCF ratio value of 1.37, HMN is doing good in the industry, outperforming 61.74% of the companies in the same industry.
- A Debt/Equity ratio of 0.58 indicates that HMN is somewhat dependend on debt financing.
- HMN has a Debt to Equity ratio of 0.58. This is in the lower half of the industry: HMN underperforms 75.17% of its industry peers.
- Even though the debt/equity ratio score it not favorable for HMN, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.58 | ||
| Debt/FCF | 1.37 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.96%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- HMN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 113.33%, which is quite impressive.
- The Earnings Per Share has been growing slightly by 7.81% on average over the past years.
- The Revenue has been growing slightly by 5.66% in the past year.
- The Revenue has been growing slightly by 2.09% on average over the past years.
EPS 1Y (TTM)113.33%
EPS 3Y-3.86%
EPS 5Y7.81%
EPS Q2Q%78.95%
Revenue 1Y (TTM)5.66%
Revenue growth 3Y5.8%
Revenue growth 5Y2.09%
Sales Q2Q%7.58%
3.2 Future
- Based on estimates for the next years, HMN will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.97% on average per year.
- HMN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.08% yearly.
EPS Next Y47.69%
EPS Next 2Y21.51%
EPS Next 3Y17.97%
EPS Next 5YN/A
Revenue Next Year5.98%
Revenue Next 2Y6.22%
Revenue Next 3Y5.08%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- HMN is valuated reasonably with a Price/Earnings ratio of 8.29.
- Based on the Price/Earnings ratio, HMN is valued a bit cheaper than the industry average as 71.14% of the companies are valued more expensively.
- When comparing the Price/Earnings ratio of HMN to the average of the S&P500 Index (27.38), we can say HMN is valued rather cheaply.
- A Price/Forward Earnings ratio of 9.02 indicates a reasonable valuation of HMN.
- Based on the Price/Forward Earnings ratio, HMN is valued a bit cheaper than 63.76% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, HMN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.29 | ||
| Fwd PE | 9.02 |
4.2 Price Multiples
- The rest of the industry has a similar Enterprise Value to EBITDA ratio as HMN.
- HMN's Price/Free Cash Flow ratio is rather cheap when compared to the industry. HMN is cheaper than 84.56% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.8 | ||
| EV/EBITDA | 9.48 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- HMN's earnings are expected to grow with 17.97% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.17
PEG (5Y)1.06
EPS Next 2Y21.51%
EPS Next 3Y17.97%
5. Dividend
5.1 Amount
- HMN has a Yearly Dividend Yield of 3.26%.
- Compared to an average industry Dividend Yield of 2.53, HMN pays a bit more dividend than its industry peers.
- HMN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.26% |
5.2 History
- The dividend of HMN has a limited annual growth rate of 3.32%.
- HMN has been paying a dividend for at least 10 years, so it has a reliable track record.
- HMN has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)3.32%
Div Incr Years15
Div Non Decr Years15
5.3 Sustainability
- 34.55% of the earnings are spent on dividend by HMN. This is a low number and sustainable payout ratio.
- HMN's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP34.55%
EPS Next 2Y21.51%
EPS Next 3Y17.97%
42.47
-0.41 (-0.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-04 2025-11-04/amc
Earnings (Next)02-03 2026-02-03/amc
Inst Owners103.17%
Inst Owner Change-0.02%
Ins Owners1.21%
Ins Owner Change-2.37%
Market Cap1.73B
Revenue(TTM)1.68B
Net Income(TTM)164.10M
Analysts75
Price Target51.68 (21.69%)
Short Float %1.5%
Short Ratio2.42
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.26% |
Yearly Dividend1.36
Dividend Growth(5Y)3.32%
DP34.55%
Div Incr Years15
Div Non Decr Years15
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)48.55%
Min EPS beat(2)21.01%
Max EPS beat(2)76.09%
EPS beat(4)4
Avg EPS beat(4)41.03%
Min EPS beat(4)9.22%
Max EPS beat(4)76.09%
EPS beat(8)7
Avg EPS beat(8)22.08%
EPS beat(12)10
Avg EPS beat(12)17.54%
EPS beat(16)12
Avg EPS beat(16)17.9%
Revenue beat(2)1
Avg Revenue beat(2)-1.6%
Min Revenue beat(2)-4.02%
Max Revenue beat(2)0.81%
Revenue beat(4)1
Avg Revenue beat(4)-2.07%
Min Revenue beat(4)-4.02%
Max Revenue beat(4)0.81%
Revenue beat(8)2
Avg Revenue beat(8)-1.91%
Revenue beat(12)2
Avg Revenue beat(12)-2.25%
Revenue beat(16)2
Avg Revenue beat(16)-2.17%
PT rev (1m)3.4%
PT rev (3m)3.4%
EPS NQ rev (1m)-0.62%
EPS NQ rev (3m)-8.86%
EPS NY rev (1m)-0.26%
EPS NY rev (3m)5.58%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.7%
Revenue NY rev (1m)0.29%
Revenue NY rev (3m)0.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.29 | ||
| Fwd PE | 9.02 | ||
| P/S | 1.03 | ||
| P/FCF | 2.8 | ||
| P/OCF | 2.8 | ||
| P/B | 1.2 | ||
| P/tB | 1.39 | ||
| EV/EBITDA | 9.48 |
EPS(TTM)5.12
EY12.06%
EPS(NY)4.71
Fwd EY11.09%
FCF(TTM)15.16
FCFY35.7%
OCF(TTM)15.16
OCFY35.7%
SpS41.19
BVpS35.43
TBVpS30.53
PEG (NY)0.17
PEG (5Y)1.06
Graham Number63.89
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 11.39% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 14.25% | ||
| PM (TTM) | 9.79% | ||
| GM | N/A | ||
| FCFM | 36.81% |
ROA(3y)0.34%
ROA(5y)0.6%
ROE(3y)3.86%
ROE(5y)5.39%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-12.94%
OM growth 5Y-12.98%
PM growth 3Y-15.29%
PM growth 5Y-12.85%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.11
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.58 | ||
| Debt/FCF | 1.37 | ||
| Debt/EBITDA | 3.17 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 6.58 | ||
| Cash Conversion | 231.79% | ||
| Profit Quality | 375.87% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC7.96%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)113.33%
EPS 3Y-3.86%
EPS 5Y7.81%
EPS Q2Q%78.95%
EPS Next Y47.69%
EPS Next 2Y21.51%
EPS Next 3Y17.97%
EPS Next 5YN/A
Revenue 1Y (TTM)5.66%
Revenue growth 3Y5.8%
Revenue growth 5Y2.09%
Sales Q2Q%7.58%
Revenue Next Year5.98%
Revenue Next 2Y6.22%
Revenue Next 3Y5.08%
Revenue Next 5YN/A
EBIT growth 1Y54.5%
EBIT growth 3Y-7.88%
EBIT growth 5Y-11.16%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y141.98%
FCF growth 3Y30.19%
FCF growth 5Y28.79%
OCF growth 1Y141.98%
OCF growth 3Y30.19%
OCF growth 5Y28.79%
HORACE MANN EDUCATORS / HMN FAQ
What is the ChartMill fundamental rating of HORACE MANN EDUCATORS (HMN) stock?
ChartMill assigns a fundamental rating of 4 / 10 to HMN.
What is the valuation status of HORACE MANN EDUCATORS (HMN) stock?
ChartMill assigns a valuation rating of 7 / 10 to HORACE MANN EDUCATORS (HMN). This can be considered as Undervalued.
What is the profitability of HMN stock?
HORACE MANN EDUCATORS (HMN) has a profitability rating of 3 / 10.
What are the PE and PB ratios of HORACE MANN EDUCATORS (HMN) stock?
The Price/Earnings (PE) ratio for HORACE MANN EDUCATORS (HMN) is 8.29 and the Price/Book (PB) ratio is 1.2.
What is the earnings growth outlook for HORACE MANN EDUCATORS?
The Earnings per Share (EPS) of HORACE MANN EDUCATORS (HMN) is expected to grow by 47.69% in the next year.