HORACE MANN EDUCATORS (HMN) Fundamental Analysis & Valuation

NYSE:HMN • US4403271046

Current stock price

46.13 USD
+0.33 (+0.72%)
At close:
46.13 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.
  • Of the past 5 years HMN 4 years were profitable.
  • 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

  • Looking at the Return On Assets, with a value of 1.06%, HMN is doing worse than 62.59% of the companies in the same industry.
  • With a Return On Equity value of 10.93%, HMN perfoms like the industry average, outperforming 51.02% of the companies in the same industry.
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

  • HMN has a Profit Margin (9.48%) which 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 of 14.40%. This is in the better half of the industry: HMN outperforms 60.54% of 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.
  • The number of shares outstanding for HMN has been reduced compared to 1 year ago.
  • The number of shares outstanding for HMN has been reduced compared to 5 years ago.
  • Compared to 1 year ago, HMN has a worse debt to assets ratio.
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.
  • Looking at the Debt to FCF ratio, with a value of 1.07, HMN is in the better half of the industry, outperforming 64.63% of the companies in the same industry.
  • HMN has a Debt/Equity ratio of 0.40. This is a healthy value indicating a solid balance between debt and equity.
  • HMN has a worse Debt to Equity ratio (0.40) than 61.90% 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 0.4
Debt/FCF 1.07
Altman-Z N/A
ROIC/WACCN/A
WACC7.95%
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

  • 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.
  • Looking at the last year, HMN shows a small growth in Revenue. The Revenue has grown by 7.59% in the last 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 4.62% 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 4.64% on average per year.
EPS Next Y-0.93%
EPS Next 2Y4.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.88%
Revenue Next 2Y4.64%
Revenue Next 3YN/A
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 decreasing.
  • 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 9.81, which indicates a very decent valuation of HMN.
  • HMN's Price/Earnings is on the same level as the industry average.
  • HMN is valuated cheaply when we compare the Price/Earnings ratio to 26.91, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 9.91 indicates a reasonable valuation of HMN.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of HMN is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 21.99, HMN is valued rather cheaply.
Industry RankSector Rank
PE 9.81
Fwd PE 9.91
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

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as HMN.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of HMN indicates a somewhat cheap valuation: HMN is cheaper than 79.59% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.37
EV/EBITDA 8.84
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)1.47
EPS Next 2Y4.62%
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 3.11%, HMN has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.37, 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 1.82.
Industry RankSector Rank
Dividend Yield 3.11%

5.2 History

  • The dividend of HMN has a limited annual growth rate of 2.98%.
  • 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)2.98%
Div Incr Years16
Div Non Decr Years16
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 2Y4.62%
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 (4/28/2026, 8:04:00 PM)

After market: 46.13 0 (0%)

46.13

+0.33 (+0.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03
Earnings (Next)05-06
Inst Owners102.83%
Inst Owner Change0.1%
Ins Owners1.5%
Ins Owner Change7.15%
Market Cap1.86B
Revenue(TTM)1.71B
Net Income(TTM)162.10M
Analysts75
Price Target52.53 (13.87%)
Short Float %2.3%
Short Ratio3.82
Dividend
Industry RankSector Rank
Dividend Yield 3.11%
Yearly Dividend1.4
Dividend Growth(5Y)2.98%
DP35.23%
Div Incr Years16
Div Non Decr Years16
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)4.39%
PT rev (3m)1.64%
EPS NQ rev (1m)2.62%
EPS NQ rev (3m)-2.49%
EPS NY rev (1m)0.88%
EPS NY rev (3m)-1.28%
Revenue NQ rev (1m)0.23%
Revenue NQ rev (3m)0.08%
Revenue NY rev (1m)-0.6%
Revenue NY rev (3m)-0.55%
Valuation
Industry RankSector Rank
PE 9.81
Fwd PE 9.91
P/S 1.09
P/FCF 3.37
P/OCF 3.37
P/B 1.26
P/tB 1.45
EV/EBITDA 8.84
EPS(TTM)4.7
EY10.19%
EPS(NY)4.66
Fwd EY10.09%
FCF(TTM)13.7
FCFY29.7%
OCF(TTM)13.7
OCFY29.7%
SpS42.35
BVpS36.72
TBVpS31.87
PEG (NY)N/A
PEG (5Y)1.47
Graham Number62.3137 (35.08%)
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
WACC7.95%
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-0.93%
EPS Next 2Y4.62%
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 Year5.88%
Revenue Next 2Y4.64%
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.


How profitable is HORACE MANN EDUCATORS (HMN) stock?

HORACE MANN EDUCATORS (HMN) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for HMN stock?

The Price/Earnings (PE) ratio for HORACE MANN EDUCATORS (HMN) is 9.81 and the Price/Book (PB) ratio is 1.26.


Can you provide the dividend sustainability for HMN stock?

The dividend rating of HORACE MANN EDUCATORS (HMN) is 8 / 10 and the dividend payout ratio is 35.23%.