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Horace Mann Educators Corporation HMN
Financial Services - Insurance - Property & Casualty - NYSE - US
Watchlist
$ 40.42
-2.44 %
$ 1.65 B
Market Cap
16.3
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one HMN stock under the worst case scenario is HIDDEN Compared to the current market price of 40.4 USD, Horace Mann Educators Corporation is HIDDEN

HMN Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one HMN stock under the base case scenario is HIDDEN Compared to the current market price of 40.4 USD, Horace Mann Educators Corporation is HIDDEN

HMN Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one HMN stock under the best case scenario is HIDDEN Compared to the current market price of 40.4 USD, Horace Mann Educators Corporation is HIDDEN

HMN Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart HMN

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1M -2%
6M 12%
1Y 15%
3Y 10%
5Y 45%
All
$44.0$44.0$43.0$43.0$42.0$42.0$41.0$41.0$40.0$40.0$39.0$39.0$38.0$38.0$37.0$37.0$36.0$36.0$35.0$35.0$34.0$34.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
1.6 B REVENUE
6.92%
Growth Rates
1Year 6.92%
3Years 6.25%
5Years 2.20%
7Years 4.51%
10Years 4.17%
1.25 B OPERATING INCOME
0.00%
Growth Rates
1Year 0.00%
3Years 104.61%
5Years 41.25%
7Years 43.32%
10Years 22.80%
103 M NET INCOME
128.44%
Growth Rates
1Year 128.44%
3Years -10.38%
5Years -11.03%
7Years -6.89%
10Years -0.14%
96.6 M OPERATING CASH FLOW
-68.02%
Growth Rates
1Year -68.02%
3Years -22.17%
5Years -5.41%
7Years -13.03%
10Years -7.98%
-44.1 M INVESTING CASH FLOW
58.94%
Growth Rates
1Year 58.94%
3Years 47.34%
5Years -12.33%
7Years 20.95%
10Years 22.52%
-52.5 M FINANCING CASH FLOW
74.74%
Growth Rates
1Year 74.74%
3Years -7.77%
5Years 20.93%
7Years -5.14%
10Years -1.46%
393 M REVENUE
-4.61%
Growth Rates
1Year 6.92%
3Years 6.25%
5Years 2.20%
7Years 4.51%
10Years 4.17%
0 OPERATING INCOME
0.00%
Growth Rates
1Year 0.00%
3Years 104.61%
5Years 41.25%
7Years 43.32%
10Years 22.80%
38.2 M NET INCOME
11.37%
Growth Rates
1Year 128.44%
3Years -10.38%
5Years -11.03%
7Years -6.89%
10Years -0.14%
194 M OPERATING CASH FLOW
34.47%
Growth Rates
1Year -68.02%
3Years -22.17%
5Years -5.41%
7Years -13.03%
10Years -7.98%
-4.4 M INVESTING CASH FLOW
90.05%
Growth Rates
1Year 58.94%
3Years 47.34%
5Years -12.33%
7Years 20.95%
10Years 22.52%
-191 M FINANCING CASH FLOW
-156.11%
Growth Rates
1Year 74.74%
3Years -7.77%
5Years 20.93%
7Years -5.14%
10Years -1.46%
Balance Sheet Horace Mann Educators Corporation
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Current Assets 5.43 B
Cash & Short-Term Investments 5.43 B
Receivables 0
Other Current Assets 0
Non-Current Assets 210 M
Long-Term Investments 1.53 B
PP&E 0
Other Non-Current Assets -1.32 B
96.27 %27.12 %Total Assets$5.6b
Current Liabilities 0
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 547 M
Long-Term Debt 547 M
Other Non-Current Liabilities 0
100.00 %Total Liabilities$547.0m
EFFICIENCY
Earnings Waterfall Horace Mann Educators Corporation
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Revenue 1.6 B
Cost Of Revenue 0
Gross Profit 1.6 B
Operating Expenses 346 M
Operating Income 1.25 B
Other Expenses 1.15 B
Net Income 103 M
2b2b1b1b1b1b1b1b800m800m600m600m400m400m200m200m002b02b(345m)1b(1b)103mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.00%
5Years 100.00%
7Years 100.00%
10Years 100.00%
78.34% OPERATING MARGIN
78.34%
Averages
1Year 78.34%
3Years 26.56%
5Years 20.19%
7Years 17.03%
10Years 15.22%
6.44% NET MARGIN
6.44%
Averages
1Year 6.44%
3Years 3.63%
5Years 6.78%
7Years 6.90%
10Years 7.88%
7.98% ROE
7.98%
Averages
1Year 7.98%
3Years 4.54%
5Years 6.10%
7Years 6.24%
10Years 6.88%
0.71% ROA
0.71%
Averages
1Year 0.71%
3Years 0.39%
5Years 0.67%
7Years 0.71%
10Years 0.82%
17.72% ROIC
17.72%
Averages
1Year 17.72%
3Years 5.96%
5Years 3.90%
7Years 2.90%
10Years 1.37%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Horace Mann Educators Corporation
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500m500m400m400m300m300m200m200m100m100m00(100m)(100m)(200m)(200m)(300m)(300m)(400m)(400m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 103 M
Depreciation & Amortization 0
Capital Expenditures 0
Stock-Based Compensation 9.9 M
Change in Working Capital 0
Others 246 M
Free Cash Flow 96.6 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Horace Mann Educators Corporation
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Wall Street analysts predict an average 1-year price target for HMN of $38 , with forecasts ranging from a low of $35 to a high of $42 .
HMN Lowest Price Target Wall Street Target
35 USD -13.41%
HMN Average Price Target Wall Street Target
38 USD -5.99%
HMN Highest Price Target Wall Street Target
42 USD 3.91%
Price
Max Price Target
Min Price Target
Average Price Target
44444242404038383636343432323030May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.85% DIVIDEND YIELD
0.35 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.40001.40001.20001.20001.00001.00000.80000.80000.60000.60000.40000.40000.20000.20000.00000.00000.250.2650.2750.2850.28750.30.310.320.330.340.350.250.2650.2750.2850.28750.30.310.320.330.340.250.2650.2750.2850.28750.30.310.320.330.340.251.000.2651.060.2751.100.2851.140.28751.150.31.200.311.240.321.280.331.320.341.360.352015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 9
6. Ownership
Insider Ownership Horace Mann Educators Corporation
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Sold
0-3 MONTHS
486 K USD 2
3-6 MONTHS
6.92 M USD 5
6-9 MONTHS
0 USD 0
9-12 MONTHS
20.6 K USD 1
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Horace Mann (HMN) have what it takes? zacks.com - 2 weeks ago
Is Horace Mann Educators (HMN) Stock Undervalued Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 2 weeks ago
What Makes Horace Mann (HMN) a Strong Momentum Stock: Buy Now? Does Horace Mann (HMN) have what it takes to be a top stock pick for momentum investors? Let's find out. zacks.com - 3 weeks ago
Why Horace Mann (HMN) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Horace Mann (HMN) have what it takes? zacks.com - 1 month ago
17 Upcoming Dividend Increases I present a list of 17 companies with upcoming dividend increases, highlighting those with over 10% increases and an average streak length of 11 years. My investment strategy focuses on buying, holding, and expanding stakes in companies that consistently increase dividends and outperform relevant benchmarks. I utilize data from the "U.S. Dividend Champions" spreadsheet and NASDAQ to identify companies with at least five years of dividend growth. seekingalpha.com - 1 month ago
Best Income Stocks to Buy for February 19th HMN, SONY and CBSH made it to the Zacks Rank #1 (Strong Buy) income stocks list on February 19, 2024. zacks.com - 1 month ago
Horace Mann Educators Corporation (HMN) Q4 2024 Earnings Call Transcript Horace Mann Educators Corporation (NYSE:HMN ) Q4 2024 Earnings Conference Call February 6, 2025 10:00 AM ET Company Participants Brendan Dawal - VP, Investor Relations Marita Zuraitis - President & CEO Ryan Greenier - EVP & CFO Steve Mcanena - Chief Operating Officer Mark Desrochers - Senior Vice President, Property & Casualty and CCA Conference Call Participants Wilma Burdis - Raymond James John Barnidge - Piper Sandler Meyer Shields - KBW Matt Carletti - Citizens JMP Operator Good day, and welcome to the Horace Mann Educators Fourth Quarter 2024 Investor Call. [Operator Instructions]. seekingalpha.com - 2 months ago
Horace Mann (HMN) Q4 Earnings Surpass Estimates Horace Mann (HMN) came out with quarterly earnings of $1.62 per share, beating the Zacks Consensus Estimate of $0.99 per share. This compares to earnings of $0.84 per share a year ago. zacks.com - 2 months ago
Horace Mann reports fourth-quarter and full-year 2024 results SPRINGFIELD, Ill.--(BUSINESS WIRE)--Horace Mann Educators Corporation (NYSE:HMN), the largest multiline financial services company focused on helping America's educators and a core small-cap growth and value equity in the Financials sector, today reported financial results for the three months and full year ended December 31, 2024: Diversified business delivered full-year net income of $103 million, or $2.48 per share, and core earnings* of $132 million, or $3.18 per share, with reported book v. businesswire.com - 2 months ago
Should Value Investors Buy Horace Mann Educators (HMN) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 2 months ago
Is the Options Market Predicting a Spike in Horace Mann Educators (HMN) Stock? Investors need to pay close attention to Horace Mann Educators (HMN) stock based on the movements in the options market lately. zacks.com - 3 months ago
Horace Mann to announce fourth-quarter 2024 financial results on February 5 SPRINGFIELD, Ill.--(BUSINESS WIRE)--Horace Mann Educators Corporation (NYSE:HMN) plans to release its fourth-quarter 2024 results on Wednesday, February 5, after the market closes. At that time, the quarterly news release, investor supplement and investor presentation will be available on the company's website at investors.horacemann.com. Management will host a conference call to discuss the financial results on Thursday, February 6 at 10:00 a.m. Eastern Time. Investors can access the call webc. businesswire.com - 3 months ago
8. Profile Summary

Horace Mann Educators Corporation HMN

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COUNTRY US
INDUSTRY Insurance - Property & Casualty
MARKET CAP $ 1.65 B
Dividend Yield 0.85%
Description Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. It operates in three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits. The company underwrites and markets personal lines of property and casualty insurance, including personal lines auto and property insurance products; supplemental insurance products, which include cancer, heart, hospital, supplemental disability, and accident coverages; retirement products, such as tax-qualified fixed and variable annuities; and life insurance products comprising whole life and term, as well as indexed universal life insurance products. It also offers student loan solutions, including online student loan management accounts for educators. The company markets its products through its sales force of full-time exclusive agents to K-12 teachers, administrators, and other employees of public schools and their families. Horace Mann Educators Corporation was founded in 1945 and is headquartered in Springfield, Illinois.
Contact 1 Horace Mann Plaza, Springfield, IL, 62715-0001 https://www.horacemann.com
IPO Date Nov. 15, 1991
Employees 1750
Officers Mr. Mark Richard Desrochers Chief Corporate Actuary & SVice President of Property and Casualty