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

  • In the past year HMN was profitable.
  • HMN had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: HMN reported negative net income in multiple 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

  • Looking at the Return On Assets, with a value of 1.06%, HMN is doing worse than 61.49% of the companies in the same industry.
  • HMN has a Return On Equity (11.39%) which is comparable to the rest of the industry.
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.
  • The Operating Margin of HMN (14.25%) is better than 60.81% of its industry peers.
  • HMN's Operating Margin has declined in the last couple of years.
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.
  • There is no outstanding debt for HMN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and 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

  • The Debt to FCF ratio of HMN is 1.37, which is an excellent value as it means it would take HMN, only 1.37 years of fcf income to pay off all of its debts.
  • HMN has a Debt to FCF ratio (1.37) which is comparable to the rest of the industry.
  • HMN has a Debt/Equity ratio of 0.58. This is a neutral value indicating HMN is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.58, HMN is not doing good in the industry: 75.68% of the companies in the same industry are doing better.
  • 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

  • The Earnings Per Share has grown by an impressive 47.34% over the past year.
  • HMN shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.69% yearly.
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

  • The Earnings Per Share is expected to grow by 4.25% on average over the next years.
  • 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

  • A Price/Earnings ratio of 9.02 indicates a reasonable valuation of HMN.
  • Based on the Price/Earnings ratio, HMN is valued a bit cheaper than 65.54% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.70, HMN is valued rather cheaply.
  • HMN is valuated reasonably with a Price/Forward Earnings ratio of 9.18.
  • HMN's Price/Forward Earnings is on the same level as the industry average.
  • HMN is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.
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 ratio is in line with the industry average.
  • 82.43% of the companies in the same industry are more expensive than HMN, based on the Price/Free Cash Flow ratio.
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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8

5. HMN Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.38%, HMN has a reasonable but not impressive dividend return.
  • HMN's Dividend Yield is a higher than the industry average which is at 2.85.
  • Compared to an average S&P500 Dividend Yield of 1.89, 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 paid a dividend for at least 10 years, which is 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

  • HMN pays out 34.55% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of HMN is growing, but earnings are growing more, so the dividend growth is 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.