HORACE MANN EDUCATORS (HMN) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:HMN - US4403271046 - Common Stock
45 USD
-0.25 (-0.55%)
Overall HMN gets a fundamental rating of 4 out of 10. We evaluated HMN against 148 industry peers in the Insurance industry. HMN has a bad profitability rating. Also its financial health evaluation is rather negative. HMN may be a bit undervalued, certainly considering the very reasonable score on growth Finally HMN also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year HMN was profitable.
In the past year HMN had a positive cash flow from operations.
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 61.49% of its industry peers.
With a Return On Equity value of 11.39%, HMN perfoms like the industry average, outperforming 52.70% of the companies in the same 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
The Profit Margin of HMN (9.79%) is better than 61.49% of its industry peers.
In the last couple of years the Profit Margin of HMN has declined.
With a decent Operating Margin value of 14.25%, HMN is doing good in the industry, outperforming 60.14% of the companies in the same industry.
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.
Compared to 1 year ago, HMN has about the same amount of shares outstanding.
Compared to 5 years ago, HMN has less shares outstanding
The debt/assets ratio for HMN has been reduced compared to a year ago.
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.
Looking at the Debt to FCF ratio, with a value of 1.37, HMN is in the better half of the industry, outperforming 61.49% of the companies in the same industry.
HMN has a Debt/Equity ratio of 0.58. This is a neutral value indicating 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 75.68% of its industry peers.
Although HMN does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. 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 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
The Earnings Per Share has grown by an impressive 113.33% over the past year.
Measured over the past 5 years, HMN shows a small growth in Earnings Per Share. The EPS has been growing by 7.81% on average per year.
HMN shows a small growth in Revenue. In the last year, the Revenue has grown by 5.66%.
Measured over the past years, HMN shows a small growth in Revenue. The Revenue has been growing by 2.09% on average per year.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
HMN is valuated reasonably with a Price/Earnings ratio of 8.79.
HMN's Price/Earnings ratio is a bit cheaper when compared to the industry. HMN is cheaper than 70.27% of the companies in the same industry.
HMN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.00.
With a Price/Forward Earnings ratio of 9.55, the valuation of HMN can be described as very reasonable.
Based on the Price/Forward Earnings ratio, HMN is valued a bit cheaper than 62.84% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of HMN to the average of the S&P500 Index (23.70), we can say HMN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.79 | ||
| Fwd PE | 9.55 |
4.2 Price Multiples
HMN's Enterprise Value to EBITDA is on the same level as the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of HMN indicates a rather cheap valuation: HMN is cheaper than 83.78% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.97 | ||
| EV/EBITDA | 9.91 |
4.3 Compensation for Growth
HMN's 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)0.18
PEG (5Y)1.12
EPS Next 2Y21.51%
EPS Next 3Y17.97%
5. Dividend
5.1 Amount
HMN has a Yearly Dividend Yield of 3.03%.
HMN's Dividend Yield is a higher than the industry average which is at 2.48.
Compared to an average S&P500 Dividend Yield of 1.94, HMN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.03% |
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
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 2Y21.51%
EPS Next 3Y17.97%
NYSE:HMN (1/9/2026, 12:02:45 PM)
45
-0.25 (-0.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners103.17%
Inst Owner Change0%
Ins Owners1.21%
Ins Owner Change-1.92%
Market Cap1.83B
Revenue(TTM)1.68B
Net Income(TTM)164.10M
Analysts75
Price Target51.34 (14.09%)
Short Float %1.5%
Short Ratio2.42
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.03% |
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)2.72%
PT rev (3m)2.72%
EPS NQ rev (1m)-1.23%
EPS NQ rev (3m)-8.56%
EPS NY rev (1m)-0.26%
EPS NY rev (3m)5.58%
Revenue NQ rev (1m)0.51%
Revenue NQ rev (3m)2.37%
Revenue NY rev (1m)0.29%
Revenue NY rev (3m)0.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.79 | ||
| Fwd PE | 9.55 | ||
| P/S | 1.09 | ||
| P/FCF | 2.97 | ||
| P/OCF | 2.97 | ||
| P/B | 1.27 | ||
| P/tB | 1.47 | ||
| EV/EBITDA | 9.91 |
EPS(TTM)5.12
EY11.38%
EPS(NY)4.71
Fwd EY10.47%
FCF(TTM)15.16
FCFY33.69%
OCF(TTM)15.16
OCFY33.69%
SpS41.19
BVpS35.43
TBVpS30.53
PEG (NY)0.18
PEG (5Y)1.12
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 8.79 and the Price/Book (PB) ratio is 1.27.
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.