Financhill
Buy
74

HMN Quote, Financials, Valuation and Earnings

Last price:
$42.77
Seasonality move :
3.37%
Day range:
$42.28 - $42.81
52-week range:
$31.81 - $44.44
Dividend yield:
3.23%
P/E ratio:
15.49x
P/S ratio:
1.13x
P/B ratio:
1.30x
Volume:
213K
Avg. volume:
304.9K
1-year change:
32.15%
Market cap:
$1.7B
Revenue:
$1.6B
EPS (TTM):
$2.76

Analysts' Opinion

  • Consensus Rating
    Horace Mann Educators has received a consensus rating of Hold. The company's average rating is a Hold based on 1 Buy rating, 2 Hold ratings, and 0 Sell ratings.
  • Price Target Upside
    According to analysts' consensus price target of $46.50, Horace Mann Educators has an estimated upside of 8.77% from its current price of $42.75.
  • Price Target Downside
    According to analysts, the lowest downside price target is $44.00 representing 100% downside risk from its current price of $42.75.

Fair Value

  • According to the consensus of 3 analysts, Horace Mann Educators has 8.77% upside to fair value with a price target of $46.50 per share.

HMN vs. S&P 500

  • Over the past 5 trading days, Horace Mann Educators has underperformed the S&P 500 by -1.27% suggesting its relative strength compared to the major market average is weak at this time.

Share Buyback

  • Horace Mann Educators does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • Horace Mann Educators has grown year-over-year revenues for 11 quarters straight. In the most recent quarter Horace Mann Educators reported revenues of $400.1M.

Earnings Growth

  • Horace Mann Educators has grown year-over-year earnings for 1 quarter straight. In the most recent quarter Horace Mann Educators reported earnings per share of $0.92.
Enterprise value:
1.8B
EV / Invested capital:
0.96x
Price / LTM sales:
1.13x
EV / EBIT:
10.15x
EV / Revenue:
1.15x
PEG ratio (5yr expected):
0.20x
EV / Free cash flow:
3.48x
Price / Operating cash flow:
3.42x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.79%
Net Income Margin (TTM):
7.29%
Return On Equity:
9.03%
Return On Invested Capital:
6.31%
Operating Margin:
--
Trailing 12 Months Fiscal Quarters
Period Ending 2023-03-31 2024-03-31 2025-03-31 2024-03-31 2025-03-31
Income Statement
Revenue $1.4B $1.5B $1.6B $379.8M $400.1M
Gross Profit -- -- -- -- --
Operating Income -- -- -- -- --
EBITDA -- -- -- -- --
Diluted EPS $0.15 $1.56 $2.76 $0.64 $0.92
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Balance Sheet
Current Assets $6.7B $6.9B $6.1B $923.4M $898.2M
Total Assets $13.7B $14.4B $13.7B $14.2B $14.4B
Current Liabilities $135M $249M $249M -- --
Total Liabilities $12.1B $12.9B $12.5B $13B $13.1B
Total Equity $1.7B $1.5B $1.1B $1.2B $1.3B
Total Debt $437.4M $502.7M $498M $546.2M $547.2M
Trailing 12 Months Fiscal Quarters
Period Ending 2023-03-31 2024-03-31 2025-03-31 2024-03-31 2025-03-31
Cash Flow Statement
Cash Flow Operations $162.2M $290.2M $518.4M $74.5M $140.8M
Cash From Investing -$92.2M -$71.6M -$111.4M -$59.5M -$35.1M
Cash From Financing -$91.7M -$225.6M -$397.1M -$24.3M -$113.5M
Free Cash Flow $162.2M $290.2M $518.4M $74.5M $140.8M
HMN
Sector
Market Cap
$1.7B
$624.5M
Price % of 52-Week High
96.2%
87.32%
Dividend Yield
3.23%
2.03%
Shareholder Yield
3.7%
4.11%
1-Year Price Total Return
32.15%
13.37%
Beta (5-Year)
0.280
0.594
Dividend yield:
3.23%
Annualized payout:
$1.36
Payout ratio:
48.82%
Growth streak:
15 years

Technicals

8-day SMA
Buy
Level $42.42
200-day SMA
Buy
Level $39.95
Bollinger Bands (100)
Buy
Level 40.46 - 43.04
Chaikin Money Flow
Buy
Level 40.6M
20-day SMA
Sell
Level $42.89
Relative Strength Index (RSI14)
Buy
Level 50.74
ADX Line
Sell
Level 8.24
Williams %R
Neutral
Level -53.6585
50-day SMA
Buy
Level $42.28
MACD (12, 26)
Sell
Level -0.02
25-day Aroon Oscillator
Sell
Level -24
On Balance Volume
Neutral
Level 20.7M

Financial Scores

Sell
Altman Z-Score (Annual)
Level (0.4444)
Sell
CA Score (Annual)
Level (-2.271)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (8)
Sell
Ohlson Score
Level (1.6302)
--
Piotroski F Score (Annual)
Level (--)
--
Quality Ratio Score
Level (--)
Buy
Fundamental Score
Level (7)

Revenue Forecast

Earnings per Share Forecast

Company Profile

Horace Mann Educators Corp is a diversified insurance holding company that markets and underwrites personal lines of property and casualty insurance, retirement annuities, and life insurance. The company's property and casualty operations focus on automobile and homeowner insurance, while the retirement annuities are 403(b) tax-qualified products. Horace Mann Educators markets its products to kindergarten through 12th-grade teachers, administrators, and other employees of public schools and their families. The Company conducts and manages its business in four reporting segments: (1) Property & Casualty, (2) Life & Retirement, (3) Supplemental & Group Benefits and (4) Corporate & Other.

Stock Forecast FAQ

In the current month, HMN has received 1 Buy ratings 2 Hold ratings, and 0 Sell ratings. The HMN average analyst price target in the past 3 months is $46.50.

  • Where Will Horace Mann Educators Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Horace Mann Educators share price will rise to $46.50 per share over the next 12 months.

  • What Do Analysts Say About Horace Mann Educators?

    Analysts are divided on their view about Horace Mann Educators share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Horace Mann Educators is a Sell and believe this share price will drop from its current level to $44.00.

  • What Is Horace Mann Educators's Price Target?

    The price target for Horace Mann Educators over the next 1-year time period is forecast to be $46.50 according to 3 Wall Street analysts, 1 of them rates the stock a Buy, 0 rate the stock a Sell, and 2 analysts rate the stock a Hold.

  • Is HMN A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for Horace Mann Educators is a Hold. 2 of 3 analysts rate the stock a Hold at this time.

  • How Can I Buy Shares Of HMN?

    You can purchase shares of Horace Mann Educators via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, tastytrade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Horace Mann Educators shares.

  • What Is The Horace Mann Educators Share Price Today?

    Horace Mann Educators was last trading at $42.77 per share. This represents the most recent stock quote for Horace Mann Educators. Yesterday, Horace Mann Educators closed at $42.75 per share.

  • How To Buy Horace Mann Educators Stock Online?

    In order to purchase Horace Mann Educators stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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