10 Year Financial Data of Horace Mann Educators (HMN)

23.06 (1y: +40%)

Market Cap	917.19 M	P/E(ttm)	9.10
Enterprise Value	1.16 B	P/B	0.70

HMN- NYSE (USA)
Horace Mann Educators

Currently 1/5

Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies

$23.06

2 Severe Warning Signs 5 Medium Warning Signs

Bookmark

Annual Rates (per share)	10 yrs*	5 yrs*	12 months*
Revenue Growth (%)	3.5	3.9	1.6
EBITDA Growth (%)	-12.4	59.5	53
Free Cash Flow Growth (%)	2.6	-0.5	51.2
Book Value Growth (%)	10.5	27	17.2

*12-month growth rate is calculated with the per share revenue (EBITDA, FCF, earnings) of the last 12 months over the per share revenue (EBITDA, FCF, earnings) over the previous 12 months. 5-year and 10-year growth rates are calculated with least-square regression based on the 5-year and 10-year numbers.

Trendline:

Export:

Print This Table Print

See this page for the explanation of the data and charts * All numbers are in millions except for per share data

Per Share Data	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Revenue per Share ($)	19.90	18.55	18.16	19.09	19.88	20.57	23.13	23.77	24.09	24.42	24.71	5.89	6.15	6.24	6.13	6.19
EBITDA per Share	16.96	4.15	4.78	6.29	0.29	0.35	2.76	2.92	2.50	3.79	3.81	0.90	0.44	1.15	1.30	0.92
Free Cashflow per Share	2.74	3.53	3.45	4.06	4.52	4.01	4.41	3.85	2.80	4.90	4.52	1.22	1.07	1.35	1.26	0.84
Earnings per Share ($)	0.44	1.25	1.67	2.19	1.86	0.27	1.81	1.97	1.70	2.51	2.52	0.64	0.32	0.78	0.76	0.66
Dividends Per Share	0.42	0.42	0.42	0.42	0.42	0.37	0.24	0.35	0.46	0.55	0.62	0.13	0.13	0.13	0.16	0.20
Book Value per Share	12.36	12.17	12.12	14.36	15.54	11.06	17.75	21.46	26.23	30.10	30.71	26.21	27.69	29.96	29.90	30.71
Month End Stock Price	13.97	19.08	18.96	20.20	18.94	9.19	12.50	18.04	13.71	19.96	20.85	17.62	17.48	18.11	19.96	20.85
Ratios	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Return on Equity %	3.60	9.80	13.30	15.00	11.90	2.40	10.20	9.20	6.50	8.30	8.40	9.60	4.40	10.40	10.40	8.40
Return on Assets %	0.40	1.00	1.30	1.60	1.30	0.20	1.20	1.20	0.90	1.30	1.20	1.20	0.80	1.60	1.60	1.20
Return on Capital - Joel Greenblatt %	13,706	741	--	--	--	0.60	343	347	311	654	--	5,736	1,129	--	808	--
Debt to Equity	0.32	0.30	0.33	0.35	0.29	0.53	0.33	0.27	0.22	0.19	0.19	0.22	0.21	0.19	0.19	0.19

Operating Margin %	83.90	21.10	25.20	31.60	--	--	11.00	11.40	9.50	14.80	14.90	15.30	7.20	18.40	18.10	14.90
Net Margin %	2.20	6.40	8.90	11.30	9.30	1.30	7.80	8.30	7.10	10.30	10.60	10.90	5.20	12.60	12.50	10.60

Debt to Revenue	0.20	0.19	0.22	0.27	0.23	0.29	0.25	0.24	0.24	0.24	0.93	0.97	0.94	0.93	0.93	0.93
Interest Exp. to Revenue %	-12.80	-13.15	-14.35	-15.52	-15.93	-1.73	-1.49	-1.43	-1.40	-1.41	-1.40	-1.45	-1.40	-1.39	-1.40	-1.40

Asset Turnover	0.17	0.16	0.15	0.14	0.14	0.15	0.15	0.14	0.13	0.12	0.03	0.03	0.03	0.03	0.03	0.03
Buyback Ratio	--	-2.80	-2.70	-1.90	-5.40	--	--	--	--	--	--	--	--	--	--	--
Dividend Payout Ratio	0.95	0.35	0.26	0.20	0.23	1.37	0.13	0.18	0.27	0.22	0.30	0.20	0.41	0.17	0.21	0.30
Income Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Total Premiums Earned	644	675	665	654	654	659	660	673	667	671	674	166	166	168	171	169
Net Investment Income	185	191	195	209	224	230	247	272	288	306	308	75.68	76.33	76.65	77.35	77.40
Fees and Other Income	25.49	12.20	9.84	10.88	8.99	-53.98	31.00	29.98	42.87	34.28	38.81	3.44	11.56	12.00	7.29	7.97
Revenue	854	878	869	874	887	835	937	975	998	1,011	1,021	245	254	257	255	255

Selling, General, &Admin. Expense	--	--	--	--	--	--	141	143	140	156	157	37.85	38.58	37.96	41.68	38.82
Policyholder Benefits & Claims	1,038	969	885	777	817	472	459	475	502	448	453	108	131	106	103	113
Policy Acquisition Expense	64.35	70.00	71.46	74.00	75.66	--	--	--	--	--	--	--	--	--	--	--
Earnings Before DDA	728	196	229	288	12.78	14.13	112	120	103	157	158	37.53	18.36	47.17	54.01	37.98

Depreciation, Depletion and Amortization	11.08	11.05	10.24	11.93	12.78	13.96	8.35	8.32	8.58	7.89	7.89	--	--	--	7.89	--

Operating Income	716	185	219	276	--	0.18	104	111	94.88	149	150	37.53	18.36	47.17	46.12	37.98
Net Income	18.98	56.31	77.27	98.71	82.79	10.92	73.49	80.86	70.48	104	104	26.67	13.10	32.27	31.83	27.01

Earnings per Share ($)	0.44	1.25	1.67	2.19	1.86	0.27	1.81	1.97	1.70	2.51	2.52	0.64	0.32	0.78	0.76	0.66
Total Shares Outstanding	42.90	47.35	47.89	45.77	44.61	40.59	40.53	41.01	41.44	41.39	41.09	41.55	41.30	41.14	41.67	41.09
Balance Sheet	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Fixed Maturity Investment	3,259	3,541	3,703	3,820	3,873	3,485	4,100	4,716	5,422	5,962	6,144	5,500	5,695	5,782	5,962	6,144
Equity Investments	--	--	--	--	86.55	61.57	59.68	24.06	26.77	53.50	58.66	27.79	38.04	39.21	53.50	58.66
Short-term investments	--	0.14	193	300	221	355	415	334	229	276	224	230	217	354	276	224
Cash and cash equivalents	19.77	--	--	13.44	13.21	9.20	7.85	5.93	7.45	15.18	49.90	35.38	31.50	41.92	15.18	49.90
Accounts Receivable	--	105	103	108	101	--	--	--	--	--	--	--	--	--	--	--
Deferred Policy Acquisition Costs	194	210	234	249	262	312	276	273	265	197	199	219	216	216	197	199
Intangible Assets	47.40	47.40	47.40	47.40	47.40	47.40	47.40	47.40	47.40	47.40	47.40	47.40	47.40	47.40	47.40	47.40
Total Assets	4,973	5,372	5,841	6,330	6,259	5,508	6,343	7,006	7,484	8,168	8,457	7,697	7,824	8,122	8,168	8,457

Unpaid Loss & Loss Reserve	2,755	2,948	2,970	3,241	3,181	311	313	315	295	289	301	298	313	301	289	301
Unearned Premiums	199	205	202	203	203	207	211	211	209	213	207	202	205	215	213	207
Future Policy Benefits	181	182	183	186	188	193	3,271	3,542	3,897	4,234	4,294	3,966	4,038	4,141	4,234	4,294
Policyholder Funds	130	143	146	143	138	128	117	113	99.75	103	101	96.61	93.90	107	103	101
Current Portion of Long-Term Debt	25.00	25.00	--	--	--	38.00	38.00	38.00	38.00	38.00	38.00	38.00	38.00	38.00	38.00	38.00
Other liabilities	1,007	1,148	1,568	1,668	1,657	3,982	1,474	1,706	1,658	1,844	2,055	1,808	1,792	1,888	1,844	2,055
Long-Term Debt	145	145	191	232	199	200	200	200	200	200	200	200	200	200	200	200
Total Liabilities	4,443	4,796	5,260	5,673	5,566	5,059	5,624	6,126	6,397	6,922	7,196	6,608	6,680	6,890	6,922	7,196

Common Stock	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06
Retained Earnings	456	495	554	634	699	694	758	824	875	922	941	862	870	897	922	941
Additional Paid-In Capital	342	343	345	348	354	356	358	367	373	383	390	376	378	380	383	390
Treasury Stock	-333	-333	-333	-333	-353	-408	-408	-408	-411	-426	-428	-414	-423	-424	-426	-428
Total Equity	530	576	581	657	693	449	720	880	1,087	1,246	1,262	1,089	1,144	1,232	1,246	1,262
Cashflow Statement	Annuals (USD $) View: $ %											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	TTM	Mar12	Jun12	Sep12	Dec12	Mar13

Net Income	18.98	56.31	77.27	98.71	82.79	10.92	73.49	80.86	70.48	104	104	--	--	--	104	--
Depreciation, Depletion and Amortization	11.08	11.05	10.24	11.93	12.78	13.96	8.35	8.32	8.58	7.89	7.89	--	--	--	7.89	--
Cash Flow from Others	87.35	99.92	77.65	75.17	106	138	97.06	68.57	36.82	91.09	74.79	50.72	44.02	55.50	-59.14	34.42
Cash Flow from Operations	117	167	165	186	202	163	179	158	116	203	187	50.72	44.02	55.50	52.61	34.42

Cash Flow from Investing	-244	-280	-241	-231	-130	-190	-268	-304	-303	-355	-417	-47.95	-74.75	-104	-128	-110

Net Issuance of Stock	--	1.59	2.06	1.87	-16.27	-54.34	--	--	-2.05	-15.74	-14.24	-3.34	-8.62	-1.69	-2.10	-1.84
Net Issuance of Debt	25.00	20.96	26.34	24.72	-29.26	36.10	-177	6.68	-3.65	-0.98	3.28	-4.26	4.04	-1.54	0.78	--
Cash Flow for Dividends	-17.95	-17.98	-18.23	-18.31	-18.36	-14.96	-9.64	-14.29	-18.99	-22.54	-25.22	-5.37	-5.32	-5.31	-6.54	-8.05
Other Financing	79.06	109	65.95	50.35	-7.51	56.60	274	152	213	199	281	38.14	36.73	67.76	56.31	120
Cash Flow from Financing	86.11	113	76.12	58.64	-71.40	23.39	87.65	144	189	160	245	25.17	26.84	59.22	48.45	110

Net Change in Cash	-40.39	--	--	13.44	-0.23	-4.01	-1.36	-1.92	1.52	7.73	14.51	27.93	-3.89	10.43	-26.74	34.72

Free Cash Flow	117	167	165	186	202	163	179	158	116	203	187	50.72	44.02	55.50	52.61	34.42
Valuation Ratios (Daily)	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

PE Ratio(ttm)
Price to Tangible Book
Price-to-Free-Cash-Flow ratio
PS Ratio
EV-to-Revenue
EV-to-EBITDA
EV-to-EBIT
Earnings Yield (Joel Greenblatt)
Forward Rate of Return
Shiller PE Ratio
Valuation and Quality	Annuals											Quarterly
Fiscal Period	Dec03	Dec04	Dec05	Dec06	Dec07	Dec08	Dec09	Dec10	Dec11	Dec12	Latest Q.	Mar12	Jun12	Sep12	Dec12	Mar13

Market Cap
Enterprise Value
Month End Stock Price
Net Cash (per share)
Net Current Asset Value (per share)
DCF (per share)
Median PS (per share)
Peter Lynch Fair Value (per share)
Graham Number (per share)
Altman Z-Score
Piotroski F-Score

Switch to Another Stock:

HMN Quarterly/Annuals Reports

HMN: 10-Q - HORACE MANN EDUCATORS CORP /DE/ (0000850141) (Filer): (10-Q) - 2012-11-08
HMN: 10-Q - HORACE MANN EDUCATORS CORP /DE/ (0000850141) (Filer): (10-Q) - 2012-08-09
HMN: 10-Q - HORACE MANN EDUCATORS CORP /DE/ (0000850141) (Filer): (10-Q) - 2012-05-09
HMN: 10-K - HORACE MANN EDUCATORS CORP /DE/ (0000850141) (Filer): (10-K) - 2012-02-29
HMN: 10-Q - HORACE MANN EDUCATORS CORP /DE/ (0000850141) (Filer): (10-Q) - 2011-11-09

GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names

Home About Jobs Advertise Site Map Term of Use Privacy Policy RSS Email Alerts Affiliate Program FAQ Contact Us
Disclaimers: GuruFocus.com is not operated by a broker, a dealer, or a registered investment adviser. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The gurus may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes provided by InterActive Data. Fundamental company data provided by Morningstar, updated daily.

FocusBar

Home

Premium Membership

Value Screens

Model Portfolios

Guru Stocks

Market Valuation

By Country

Articles

Submit Articles

HMN Quarterly/Annuals Reports