HORACE MANN EDUCATORS (HMN) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:HMN - US4403271046 - Common Stock
46.1 USD
-0.13 (-0.28%)
HMN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 147 industry peers in the Insurance industry. HMN has a bad profitability rating. Also its financial health evaluation is rather negative. HMN is valued quite cheap, while showing a decent growth score. This is a good combination! HMN also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
HMN had positive earnings in the past year.
In the past year HMN had a positive cash flow from operations.
HMN had positive earnings in 4 of the past 5 years.
In the past 5 years HMN always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.06%, HMN is doing worse than 63.95% of the companies in the same industry.
The Return On Equity of HMN (11.39%) is comparable to the rest of the 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 60.54% of its industry peers.
HMN's Profit Margin has declined in the last couple of years.
HMN has a Operating Margin of 14.25%. This is in the better half of the industry: HMN outperforms 60.54% of its industry peers.
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.
HMN has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, HMN has less shares outstanding
HMN has a better debt/assets ratio than last year.
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 61.22% of the companies in the same industry.
A Debt/Equity ratio of 0.58 indicates that HMN is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.58, HMN is not doing good in the industry: 76.19% of the companies in the same industry are doing better.
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
WACC7.93%
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.
The Earnings Per Share has been growing slightly by 7.81% on average over the past years.
Looking at the last year, HMN shows a small growth in Revenue. The Revenue has grown by 5.66% in the last year.
The Revenue has been growing slightly by 2.09% on average over the past years.
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
HMN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.83% yearly.
HMN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.10% yearly.
EPS Next Y48.08%
EPS Next 2Y21.67%
EPS Next 3Y18.83%
EPS Next 5YN/A
Revenue Next Year5.68%
Revenue Next 2Y6.14%
Revenue Next 3Y5.1%
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 accelerating.
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
The Price/Earnings ratio is 9.00, which indicates a very decent valuation of HMN.
Based on the Price/Earnings ratio, HMN is valued a bit cheaper than the industry average as 68.71% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.76, HMN is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.76, the valuation of HMN can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as HMN.
The average S&P500 Price/Forward Earnings ratio is at 23.96. HMN is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9 | ||
| Fwd PE | 9.76 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of HMN is on the same level as its industry peers.
Based on the Price/Free Cash Flow ratio, HMN is valued cheaply inside the industry as 82.99% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.04 | ||
| EV/EBITDA | 10.06 |
4.3 Compensation for Growth
The 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 18.83% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.19
PEG (5Y)1.15
EPS Next 2Y21.67%
EPS Next 3Y18.83%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.14%, HMN has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.48, HMN pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.31, HMN pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.14% |
5.2 History
The dividend of HMN has a limited annual growth rate of 3.32%.
HMN has paid a dividend for at least 10 years, which is a reliable track record.
HMN has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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 2Y21.67%
EPS Next 3Y18.83%
NYSE:HMN (12/12/2025, 12:01:18 PM)
46.1
-0.13 (-0.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners103.11%
Inst Owner Change6.18%
Ins Owners1.22%
Ins Owner Change-2.25%
Market Cap1.88B
Revenue(TTM)1.68B
Net Income(TTM)164.10M
Analysts75
Price Target49.98 (8.42%)
Short Float %1.29%
Short Ratio2.32
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.14% |
Yearly Dividend1.36
Dividend Growth(5Y)3.32%
DP34.55%
Div Incr Years15
Div Non Decr Years15
Ex-Date
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)0%
PT rev (3m)0%
EPS NQ rev (1m)-10.02%
EPS NQ rev (3m)-7.43%
EPS NY rev (1m)4.08%
EPS NY rev (3m)6.88%
Revenue NQ rev (1m)0.17%
Revenue NQ rev (3m)1.85%
Revenue NY rev (1m)-0.29%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9 | ||
| Fwd PE | 9.76 | ||
| P/S | 1.12 | ||
| P/FCF | 3.04 | ||
| P/OCF | 3.04 | ||
| P/B | 1.3 | ||
| P/tB | 1.51 | ||
| EV/EBITDA | 10.06 |
EPS(TTM)5.12
EY11.11%
EPS(NY)4.72
Fwd EY10.24%
FCF(TTM)15.16
FCFY32.89%
OCF(TTM)15.16
OCFY32.89%
SpS41.19
BVpS35.43
TBVpS30.53
PEG (NY)0.19
PEG (5Y)1.15
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
WACC7.93%
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 Y48.08%
EPS Next 2Y21.67%
EPS Next 3Y18.83%
EPS Next 5YN/A
Revenue 1Y (TTM)5.66%
Revenue growth 3Y5.8%
Revenue growth 5Y2.09%
Sales Q2Q%7.58%
Revenue Next Year5.68%
Revenue Next 2Y6.14%
Revenue Next 3Y5.1%
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.
Can you provide the valuation status for HORACE MANN EDUCATORS?
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 9 and the Price/Book (PB) ratio is 1.3.
What is the financial health of HORACE MANN EDUCATORS (HMN) stock?
The financial health rating of HORACE MANN EDUCATORS (HMN) is 3 / 10.