HORACE MANN EDUCATORS (HMN) Fundamental Analysis & Valuation

NYSE:HMN • US4403271046

Current stock price

43.11 USD
+0.81 (+1.91%)
At close:
43.11 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.
  • In the past year HMN had a positive cash flow from operations.
  • HMN had positive earnings in 4 of the past 5 years.
  • Each year in the past 5 years HMN had a positive operating cash flow.
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 2025 0 100M 200M 300M 400M 500M

1.2 Ratios

  • With a Return On Assets value of 1.06%, HMN is not doing good in the industry: 61.90% of the companies in the same industry are doing better.
  • HMN's Return On Equity of 10.93% is in line compared to the rest of the industry. HMN outperforms 53.06% of its industry peers.
Industry RankSector Rank
ROA 1.06%
ROE 10.93%
ROIC N/A
ROA(3y)0.7%
ROA(5y)0.61%
ROE(3y)7.58%
ROE(5y)6.08%
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 2025 0 2 4 6 8 10

1.3 Margins

  • The Profit Margin of HMN (9.48%) is comparable to the rest of the industry.
  • HMN's Profit Margin has been stable in the last couple of years.
  • HMN has a Operating Margin (14.40%) which is in line with its industry peers.
  • HMN's Operating Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 14.4%
PM (TTM) 9.48%
GM N/A
OM growth 3Y105.86%
OM growth 5Y-0.07%
PM growth 3YN/A
PM growth 5Y-1.32%
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 2025 0 5 10 15

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3

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 less shares outstanding than it did 1 year ago.
  • HMN has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for HMN is higher compared to a year ago.
HMN Yearly Shares OutstandingHMN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 5B 10B 15B

2.2 Solvency

  • The Debt to FCF ratio of HMN is 1.07, which is an excellent value as it means it would take HMN, only 1.07 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 1.07, HMN is doing good in the industry, outperforming 64.63% of the companies in the same industry.
  • A Debt/Equity ratio of 0.40 indicates that HMN is not too dependend on debt financing.
  • HMN has a Debt to Equity ratio of 0.40. This is in the lower half of the industry: HMN underperforms 61.90% of its industry peers.
  • Although HMN's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.4
Debt/FCF 1.07
Altman-Z N/A
ROIC/WACCN/A
WACC7.96%
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 2025 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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4

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.
  • The Revenue has been growing slightly by 7.59% in the past year.
  • Measured over the past years, HMN shows a small growth in Revenue. The Revenue has been growing by 5.38% on average per year.
EPS 1Y (TTM)47.34%
EPS 3Y62.76%
EPS 5Y6.69%
EPS Q2Q%-25.77%
Revenue 1Y (TTM)7.59%
Revenue growth 3Y7.06%
Revenue growth 5Y5.38%
Sales Q2Q%6.31%

3.2 Future

  • The Earnings Per Share is expected to grow by 4.25% on average over the next years.
  • The Revenue is expected to grow by 5.58% on average over the next years.
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.
  • The Revenue growth rate is stable: in the next years the growth will be about the same 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

  • The Price/Earnings ratio is 9.17, which indicates a very decent valuation of HMN.
  • HMN's Price/Earnings ratio is a bit cheaper when compared to the industry. HMN is cheaper than 61.90% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 24.75, HMN is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 9.34, the valuation of HMN can be described as very reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as HMN.
  • HMN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.10.
Industry RankSector Rank
PE 9.17
Fwd PE 9.34
HMN Price Earnings VS Forward Price EarningsHMN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as HMN.
  • Based on the Price/Free Cash Flow ratio, HMN is valued a bit cheaper than 78.91% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.15
EV/EBITDA 8.34
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)1.37
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

  • With a Yearly Dividend Yield of 3.36%, HMN has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.50, HMN pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, HMN pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.36%

5.2 History

  • The dividend of HMN has a limited annual growth rate of 2.98%.
  • 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)2.98%
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

  • 35.23% of the earnings are spent on dividend by HMN. This is a low number and sustainable payout ratio.
  • The dividend of HMN is growing, but earnings are growing more, so the dividend growth is sustainable.
DP35.23%
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 2025 0 100M 200M 300M 400M 500M
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 (3/30/2026, 6:30:00 PM)

After market: 43.11 0 (0%)

43.11

+0.81 (+1.91%)

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 Change6.87%
Market Cap1.74B
Revenue(TTM)1.71B
Net Income(TTM)162.10M
Analysts75
Price Target50.32 (16.72%)
Short Float %1.69%
Short Ratio2.68
Dividend
Industry RankSector Rank
Dividend Yield 3.36%
Yearly Dividend1.4
Dividend Growth(5Y)2.98%
DP35.23%
Div Incr Years15
Div Non Decr Years15
Ex-Date03-17
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.38%
Min EPS beat(2)1.74%
Max EPS beat(2)21.01%
EPS beat(4)4
Avg EPS beat(4)27.02%
Min EPS beat(4)1.74%
Max EPS beat(4)76.09%
EPS beat(8)7
Avg EPS beat(8)18.95%
EPS beat(12)11
Avg EPS beat(12)18.32%
EPS beat(16)12
Avg EPS beat(16)16.26%
Revenue beat(2)1
Avg Revenue beat(2)-0.68%
Min Revenue beat(2)-2.17%
Max Revenue beat(2)0.81%
Revenue beat(4)1
Avg Revenue beat(4)-1.81%
Min Revenue beat(4)-4.02%
Max Revenue beat(4)0.81%
Revenue beat(8)1
Avg Revenue beat(8)-2.36%
Revenue beat(12)2
Avg Revenue beat(12)-2.35%
Revenue beat(16)2
Avg Revenue beat(16)-2.28%
PT rev (1m)0%
PT rev (3m)-1.99%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.98%
EPS NY rev (1m)-2.4%
EPS NY rev (3m)-2%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.16%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.05%
Valuation
Industry RankSector Rank
PE 9.17
Fwd PE 9.34
P/S 1.02
P/FCF 3.15
P/OCF 3.15
P/B 1.18
P/tB 1.36
EV/EBITDA 8.34
EPS(TTM)4.7
EY10.9%
EPS(NY)4.62
Fwd EY10.71%
FCF(TTM)13.68
FCFY31.72%
OCF(TTM)13.68
OCFY31.72%
SpS42.27
BVpS36.66
TBVpS31.81
PEG (NY)N/A
PEG (5Y)1.37
Graham Number62.26
Profitability
Industry RankSector Rank
ROA 1.06%
ROE 10.93%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM 14.4%
PM (TTM) 9.48%
GM N/A
FCFM 32.35%
ROA(3y)0.7%
ROA(5y)0.61%
ROE(3y)7.58%
ROE(5y)6.08%
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 3Y105.86%
OM growth 5Y-0.07%
PM growth 3YN/A
PM growth 5Y-1.32%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 0.4
Debt/FCF 1.07
Debt/EBITDA 2.17
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 7.65
Cash Conversion 202.42%
Profit Quality 341.27%
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)484.13%
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)7.59%
Revenue growth 3Y7.06%
Revenue growth 5Y5.38%
Sales Q2Q%6.31%
Revenue Next Year6.52%
Revenue Next 2Y5.58%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y58.12%
EBIT growth 3Y120.39%
EBIT growth 5Y5.31%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y22.36%
FCF growth 3Y47.75%
FCF growth 5Y16.32%
OCF growth 1Y22.36%
OCF growth 3Y47.75%
OCF growth 5Y16.32%

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 4 / 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 9.17 and the Price/Book (PB) ratio is 1.18.


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.