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.
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.
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 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
- 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 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. 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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.58 | ||
| Debt/FCF | 1.37 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.98%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.02 | ||
| Fwd PE | 9.18 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.78 | ||
| EV/EBITDA | 9.44 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.35
EPS Next 2Y4.25%
EPS Next 3YN/A
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 Rank | Sector 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
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 Fundamentals: All Metrics, Ratios and Statistics
42.39
-0.22 (-0.52%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-03 2026-02-03/amc
Earnings (Next)05-04 2026-05-04
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 Rank | Sector 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 2026-03-17 (0.36)
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 Rank | Sector 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 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
WACC7.98%
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.