HORACE MANN EDUCATORS (HMN) Fundamental Analysis & Valuation

NYSE:HMN • US4403271046

Current stock price

42.39 USD
-0.22 (-0.52%)
At close:
42.39 USD
0 (0%)
After Hours:

This HMN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. HMN Profitability Analysis

1.1 Basic Checks

  • HMN had positive earnings in the past year.
  • In the past year HMN had a positive cash flow from operations.
  • In multiple years HMN reported negative net income over the last 5 years.
  • HMN had a positive operating cash flow in 4 of the past 5 years.
HMN Yearly Net Income VS EBIT VS OCF VS FCFHMN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M

1.2 Ratios

  • With a Return On Assets value of 1.06%, HMN is not doing good in the industry: 61.49% of the companies in the same industry are doing better.
  • HMN has a Return On Equity of 11.39%. This is comparable to the rest of the industry: HMN outperforms 58.11% of its industry peers.
Industry RankSector 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
HMN Yearly ROA, ROE, ROICHMN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 9.79%, HMN is in the better half of the industry, outperforming 60.81% of the companies in the same industry.
  • HMN's Profit Margin has declined in the last couple of years.
  • Looking at the Operating Margin, with a value of 14.25%, HMN is in the better half of the industry, outperforming 60.81% of the companies in the same industry.
  • In the last couple of years the Operating Margin of HMN has declined.
Industry RankSector 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
HMN Yearly Profit, Operating, Gross MarginsHMN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 10 15

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2

2. HMN Health Analysis

2.1 Basic Checks

  • HMN does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • HMN has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
HMN Yearly Shares OutstandingHMN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
HMN Yearly Total Debt VS Total AssetsHMN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B

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.
  • HMN's Debt to FCF ratio of 1.37 is in line compared to the rest of the industry. HMN outperforms 59.46% of its industry peers.
  • HMN has a Debt/Equity ratio of 0.58. This is a neutral value indicating HMN is somewhat dependend on debt financing.
  • The Debt to Equity ratio of HMN (0.58) is worse than 75.68% 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 RankSector Rank
Debt/Equity 0.58
Debt/FCF 1.37
Altman-Z N/A
ROIC/WACCN/A
WACC7.98%
HMN Yearly LT Debt VS Equity VS FCFHMN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HMN Yearly Current Assets VS Current LiabilitesHMN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 5M 10M 15M

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3

3. HMN Growth Analysis

3.1 Past

  • HMN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 47.34%, which is quite impressive.
  • The Earnings Per Share has been growing slightly by 6.69% on average over the past years.
EPS 1Y (TTM)47.34%
EPS 3Y62.76%
EPS 5Y6.69%
EPS Q2Q%-25.77%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%6.31%

3.2 Future

  • HMN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.25% yearly.
  • Based on estimates for the next years, HMN will show a small growth in Revenue. The Revenue will grow by 5.58% on average per year.
EPS Next Y-1.79%
EPS Next 2Y4.25%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.52%
Revenue Next 2Y5.58%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
HMN Yearly Revenue VS EstimatesHMN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
HMN Yearly EPS VS EstimatesHMN Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4 5

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5

4. HMN Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.02, the valuation of HMN can be described as reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of HMN indicates a somewhat cheap valuation: HMN is cheaper than 65.54% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of HMN to the average of the S&P500 Index (25.71), we can say HMN is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 9.18, the valuation of HMN can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of HMN is on the same level as its industry peers.
  • The average S&P500 Price/Forward Earnings ratio is at 23.83. HMN is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.02
Fwd PE 9.18
HMN Price Earnings VS Forward Price EarningsHMN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • HMN's Enterprise Value to EBITDA is on the same level as the industry average.
  • Based on the Price/Free Cash Flow ratio, HMN is valued cheaper than 82.43% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.78
EV/EBITDA 9.44
HMN Per share dataHMN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.35
EPS Next 2Y4.25%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. HMN Dividend Analysis

5.1 Amount

  • HMN has a Yearly Dividend Yield of 3.38%.
  • HMN's Dividend Yield is a higher than the industry average which is at 2.94.
  • Compared to an average S&P500 Dividend Yield of 1.91, HMN pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.38%

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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.32%
Div Incr Years15
Div Non Decr Years15
HMN Yearly Dividends per shareHMN Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

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 2Y4.25%
EPS Next 3YN/A
HMN Yearly Income VS Free CF VS DividendHMN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M
HMN Dividend Payout.HMN Dividend Payout, showing the Payout Ratio.HMN Dividend Payout.PayoutRetained Earnings

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HMN Fundamentals: All Metrics, Ratios and Statistics

HORACE MANN EDUCATORS

NYSE:HMN (3/13/2026, 8:04:00 PM)

After market: 42.39 0 (0%)

42.39

-0.22 (-0.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)05-04
Inst Owners101.94%
Inst Owner Change-0.29%
Ins Owners1.2%
Ins Owner Change7.24%
Market Cap1.71B
Revenue(TTM)N/A
Net Income(TTM)164.10M
Analysts75
Price Target50.32 (18.71%)
Short Float %1.46%
Short Ratio2.34
Dividend
Industry RankSector Rank
Dividend Yield 3.38%
Yearly Dividend1.36
Dividend Growth(5Y)3.32%
DP34.55%
Div Incr Years15
Div Non Decr Years15
Ex-Date03-17
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)-2.63%
PT rev (3m)0.68%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.51%
EPS NY rev (1m)0%
EPS NY rev (3m)0.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.51%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.29%
Valuation
Industry RankSector Rank
PE 9.02
Fwd PE 9.18
P/S 1.02
P/FCF 2.78
P/OCF 2.78
P/B 1.19
P/tB 1.38
EV/EBITDA 9.44
EPS(TTM)4.7
EY11.09%
EPS(NY)4.62
Fwd EY10.89%
FCF(TTM)15.25
FCFY35.97%
OCF(TTM)15.25
OCFY35.97%
SpS41.42
BVpS35.63
TBVpS30.7
PEG (NY)N/A
PEG (5Y)1.35
Graham Number61.38
Profitability
Industry RankSector 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 RankSector 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
WACC7.98%
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)47.34%
EPS 3Y62.76%
EPS 5Y6.69%
EPS Q2Q%-25.77%
EPS Next Y-1.79%
EPS Next 2Y4.25%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%6.31%
Revenue Next Year6.52%
Revenue Next 2Y5.58%
Revenue Next 3YN/A
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 Fundamental Analysis FAQ

What is the ChartMill fundamental rating of HORACE MANN EDUCATORS (HMN) stock?

ChartMill assigns a fundamental rating of 3 / 10 to HMN.


What is the valuation status of HORACE MANN EDUCATORS (HMN) stock?

ChartMill assigns a valuation rating of 5 / 10 to HORACE MANN EDUCATORS (HMN). This can be considered as Fairly Valued.


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 9.02 and the Price/Book (PB) ratio is 1.19.


What is the earnings growth outlook for HORACE MANN EDUCATORS?

The Earnings per Share (EPS) of HORACE MANN EDUCATORS (HMN) is expected to decline by -1.79% in the next year.