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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt N/A
HMN's Cash to Debt is ranked lower than
92% of the 163 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. HMN: N/A )
Ranked among companies with meaningful Cash to Debt only.
HMN' s Cash to Debt Range Over the Past 10 Years
Min: 0  Med: 0.13 Max: N/A
Current: N/A
Equity to Asset 0.13
HMN's Equity to Asset is ranked lower than
73% of the 160 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.23 vs. HMN: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
HMN' s Equity to Asset Range Over the Past 10 Years
Min: 0.08  Med: 0.11 Max: 0.15
Current: 0.13
0.08
0.15
Interest Coverage 9.88
HMN's Interest Coverage is ranked lower than
74% of the 137 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10000.00 vs. HMN: 9.88 )
Ranked among companies with meaningful Interest Coverage only.
HMN' s Interest Coverage Range Over the Past 10 Years
Min: 0.01  Med: 7.98 Max: 10.82
Current: 9.88
0.01
10.82
F-Score: 5
WACC vs ROIC
9.31%
9.96%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 11.98
HMN's Operating margin (%) is ranked higher than
59% of the 158 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.58 vs. HMN: 11.98 )
Ranked among companies with meaningful Operating margin (%) only.
HMN' s Operating margin (%) Range Over the Past 10 Years
Min: 0.02  Med: 13.20 Max: 25.16
Current: 11.98
0.02
25.16
Net-margin (%) 8.66
HMN's Net-margin (%) is ranked higher than
58% of the 161 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.74 vs. HMN: 8.66 )
Ranked among companies with meaningful Net-margin (%) only.
HMN' s Net-margin (%) Range Over the Past 10 Years
Min: 1.31  Med: 9.11 Max: 11.14
Current: 8.66
1.31
11.14
ROE (%) 8.44
HMN's ROE (%) is ranked lower than
61% of the 161 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.15 vs. HMN: 8.44 )
Ranked among companies with meaningful ROE (%) only.
HMN' s ROE (%) Range Over the Past 10 Years
Min: 1.91  Med: 9.79 Max: 15.95
Current: 8.44
1.91
15.95
ROA (%) 1.14
HMN's ROA (%) is ranked lower than
61% of the 161 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.97 vs. HMN: 1.14 )
Ranked among companies with meaningful ROA (%) only.
HMN' s ROA (%) Range Over the Past 10 Years
Min: 0.19  Med: 1.28 Max: 1.62
Current: 1.14
0.19
1.62
Revenue Growth (3Y)(%) 1.40
HMN's Revenue Growth (3Y)(%) is ranked lower than
62% of the 117 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.10 vs. HMN: 1.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HMN' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -2.2  Med: 2.05 Max: 7.4
Current: 1.4
-2.2
7.4
EBITDA Growth (3Y)(%) 11.90
HMN's EBITDA Growth (3Y)(%) is ranked higher than
53% of the 92 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.40 vs. HMN: 11.90 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HMN' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -47.3  Med: 4.70 Max: 93.5
Current: 11.9
-47.3
93.5
EPS Growth (3Y)(%) 13.20
HMN's EPS Growth (3Y)(%) is ranked lower than
52% of the 95 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.60 vs. HMN: 13.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HMN' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -45  Med: 6.25 Max: 85
Current: 13.2
-45
85
» HMN's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2015

HMN Guru Trades in Q1 2015

James Barrow 37,487 sh (New)
Jim Simons 31,200 sh (+5.76%)
HOTCHKIS & WILEY 2,923,233 sh (+1.80%)
David Dreman Sold Out
John Rogers 413,536 sh (-0.71%)
Donald Smith 1,656,384 sh (-9.45%)
» More
Q2 2015

HMN Guru Trades in Q2 2015

James Barrow 39,514 sh (+5.41%)
HOTCHKIS & WILEY 3,010,206 sh (+2.98%)
Donald Smith 1,656,040 sh (-0.02%)
John Rogers 406,796 sh (-1.63%)
Jim Simons 9,100 sh (-70.83%)
» More
Q3 2015

HMN Guru Trades in Q3 2015

Jeremy Grantham 19,900 sh (New)
Jim Simons 19,700 sh (+116.48%)
James Barrow 39,514 sh (unchged)
HOTCHKIS & WILEY 2,993,568 sh (-0.55%)
John Rogers 403,664 sh (-0.77%)
Donald Smith 1,565,032 sh (-5.50%)
» More
Q4 2015

HMN Guru Trades in Q4 2015

Jim Simons 28,900 sh (+46.70%)
James Barrow 40,544 sh (+2.61%)
Donald Smith 1,564,994 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with HMN

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 11.74
HMN's P/E(ttm) is ranked higher than
50% of the 205 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.40 vs. HMN: 11.74 )
Ranked among companies with meaningful P/E(ttm) only.
HMN' s P/E(ttm) Range Over the Past 10 Years
Min: 6.35  Med: 10.48 Max: 219.57
Current: 11.74
6.35
219.57
Forward P/E 9.20
HMN's Forward P/E is ranked lower than
57% of the 128 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.75 vs. HMN: 9.20 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.74
HMN's PE(NRI) is ranked higher than
50% of the 145 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.30 vs. HMN: 11.74 )
Ranked among companies with meaningful PE(NRI) only.
HMN' s PE(NRI) Range Over the Past 10 Years
Min: 6.35  Med: 10.50 Max: 219.57
Current: 11.74
6.35
219.57
P/B 0.87
HMN's P/B is ranked higher than
64% of the 239 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.00 vs. HMN: 0.87 )
Ranked among companies with meaningful P/B only.
HMN' s P/B Range Over the Past 10 Years
Min: 0.42  Med: 0.99 Max: 2.03
Current: 0.87
0.42
2.03
P/S 1.13
HMN's P/S is ranked lower than
56% of the 249 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.93 vs. HMN: 1.13 )
Ranked among companies with meaningful P/S only.
HMN' s P/S Range Over the Past 10 Years
Min: 0.29  Med: 0.91 Max: 1.47
Current: 1.13
0.29
1.47
POCF 5.57
HMN's POCF is ranked higher than
57% of the 203 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.75 vs. HMN: 5.57 )
Ranked among companies with meaningful POCF only.
HMN' s POCF Range Over the Past 10 Years
Min: 1.42  Med: 4.87 Max: 7.46
Current: 5.57
1.42
7.46
EV-to-EBIT 6.68
HMN's EV-to-EBIT is ranked higher than
65% of the 207 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.73 vs. HMN: 6.68 )
Ranked among companies with meaningful EV-to-EBIT only.
HMN' s EV-to-EBIT Range Over the Past 10 Years
Min: 0.6  Med: 5.00 Max: 20.4
Current: 6.68
0.6
20.4
EV-to-EBITDA 6.68
HMN's EV-to-EBITDA is ranked higher than
60% of the 207 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.29 vs. HMN: 6.68 )
Ranked among companies with meaningful EV-to-EBITDA only.
HMN' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0.4  Med: 5.00 Max: 16.6
Current: 6.68
0.4
16.6
PEG 1.61
HMN's PEG is ranked lower than
66% of the 53 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.08 vs. HMN: 1.61 )
Ranked among companies with meaningful PEG only.
HMN' s PEG Range Over the Past 10 Years
Min: 0.07  Med: 0.33 Max: 11.24
Current: 1.61
0.07
11.24
Shiller P/E 13.64
HMN's Shiller P/E is ranked lower than
73% of the 37 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.27 vs. HMN: 13.64 )
Ranked among companies with meaningful Shiller P/E only.
HMN' s Shiller P/E Range Over the Past 10 Years
Min: 5.09  Med: 13.50 Max: 18.4
Current: 13.64
5.09
18.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.51
HMN's Dividend Yield is ranked lower than
71% of the 252 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.21 vs. HMN: 3.51 )
Ranked among companies with meaningful Dividend Yield only.
HMN' s Dividend Yield Range Over the Past 10 Years
Min: 1.46  Med: 2.58 Max: 7.18
Current: 3.51
1.46
7.18
Dividend Payout 0.41
HMN's Dividend Payout is ranked higher than
59% of the 133 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.46 vs. HMN: 0.41 )
Ranked among companies with meaningful Dividend Payout only.
HMN' s Dividend Payout Range Over the Past 10 Years
Min: 0.09  Med: 0.22 Max: 5.25
Current: 0.41
0.09
5.25
Dividend Growth (3y) 26.00
HMN's Dividend Growth (3y) is ranked higher than
80% of the 54 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.50 vs. HMN: 26.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
HMN' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -17.2  Med: 1.55 Max: 32.2
Current: 26
-17.2
32.2
Forward Dividend Yield 3.62
HMN's Forward Dividend Yield is ranked lower than
67% of the 246 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.36 vs. HMN: 3.62 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 13.79
HMN's Yield on cost (5-Year) is ranked higher than
97% of the 252 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.63 vs. HMN: 13.79 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HMN' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 5.55  Med: 9.80 Max: 27.28
Current: 13.79
5.55
27.28
3-Year Average Share Buyback Ratio -0.60
HMN's 3-Year Average Share Buyback Ratio is ranked higher than
52% of the 67 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.60 vs. HMN: -0.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
HMN' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -5.8  Med: 0.25 Max: 5.4
Current: -0.6
-5.8
5.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.89
HMN's Price/Tangible Book is ranked higher than
70% of the 213 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.25 vs. HMN: 0.89 )
Ranked among companies with meaningful Price/Tangible Book only.
HMN' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.45  Med: 1.45 Max: 3.88
Current: 0.89
0.45
3.88
Price/Median PS Value 1.21
HMN's Price/Median PS Value is ranked lower than
83% of the 198 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.92 vs. HMN: 1.21 )
Ranked among companies with meaningful Price/Median PS Value only.
HMN' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.45  Med: 1.09 Max: 2.35
Current: 1.21
0.45
2.35
Price/Peter Lynch Fair Value 1.19
HMN's Price/Peter Lynch Fair Value is ranked lower than
66% of the 50 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. HMN: 1.19 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
HMN' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.33  Med: 0.80 Max: 20.52
Current: 1.19
0.33
20.52
Price/Graham Number 0.67
HMN's Price/Graham Number is ranked higher than
66% of the 186 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.80 vs. HMN: 0.67 )
Ranked among companies with meaningful Price/Graham Number only.
HMN' s Price/Graham Number Range Over the Past 10 Years
Min: 0.43  Med: 0.91 Max: 4.73
Current: 0.67
0.43
4.73
Earnings Yield (Greenblatt) (%) 14.97
HMN's Earnings Yield (Greenblatt) (%) is ranked higher than
66% of the 149 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.40 vs. HMN: 14.97 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HMN' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.9  Med: 19.85 Max: 171.2
Current: 14.97
4.9
171.2
Forward Rate of Return (Yacktman) (%) 9.66
HMN's Forward Rate of Return (Yacktman) (%) is ranked lower than
66% of the 53 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 14.47 vs. HMN: 9.66 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HMN' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -30.6  Med: 9.60 Max: 116.3
Current: 9.66
-30.6
116.3

More Statistics

Revenue(Mil) $1074
EPS $ 2.42
Beta1.15
Short Percentage of Float1.64%
52-Week Range $27.15 - 38.01
Shares Outstanding(Mil)40.70

Business Description

Industry: Insurance » Insurance - Diversified
Compare:BRK.B, ALIZF, AXAHY, ZFSVF, AIZ » details
Traded in other countries:HM9.Germany,
Horace Mann Educators was founded in Springfield, Illinois in 1945. The Company together with its subsidiaries, is an insurance holding company. Through its subsidiaries, the company markets and underwrites personal lines of property and casualty (personal lines automobile and homeowners) insurance, retirement annuities (tax-qualified products) and life insurance in the United States of America. The Company markets and services its products through a sales force of full-time agents trained to sell the Company's multiline products. The Company conducts and manages its business through four segments. The three operating segments, representing the major lines of insurance business, are Property and casualty insurance, Annuity products and Life insurance. The Company's competitors for annuity business include The Variable Annuity Life Insurance Company, AXA; ING U.S. Financial Services; Life Insurance Company; MetLife; Security Benefit and Teachers Insurance and Annuity Association. The Company is subject to extensive regulation by the states in which its insurance subsidiaries are domiciled or transacting business.
» More Articles for NYSE:HMN

Headlines

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More From Other Websites
Edited Transcript of HMN earnings conference call or presentation 10-Feb-16 2:00pm GMT Feb 10 2016
Horace Mann posts 4Q profit Feb 09 2016
Horace Mann posts 4Q profit Feb 09 2016
HORACE MANN EDUCATORS CORP /DE/ Files SEC form 8-K, Results of Operations and Financial Condition,... Feb 09 2016
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Horace Mann Reports Fourth Quarter 2015 Operating EPS of $0.43 Feb 09 2016
Q4 2015 Horace Mann Educators Corp Earnings Release - After Market Close Feb 09 2016
Horace Mann to Announce Fourth Quarter and Full Year 2015 Financial Results on February 9, 2016 Jan 21 2016
Horace Mann Reports Quarterly Dividend of $0.25 Dec 09 2015
Horace Mann Educators Corp. breached its 50 day moving average in a Bearish Manner : December 9,... Dec 09 2015
HORACE MANN EDUCATORS CORP /DE/ Financials Dec 08 2015
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HORACE MANN EDUCATORS CORP /DE/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 23 2015
Horace Mann Educators Corp. breached its 50 day moving average in a Bullish Manner : November 23,... Nov 23 2015
Horace Mann Educators Corporation Prices Offering of Senior Notes Nov 18 2015
Horace Mann Reports Third Quarter 2015 Operating EPS Of $0.50 Nov 18 2015
Horace Mann thanks educators during American Education Week Nov 13 2015
HORACE MANN EDUCATORS CORP /DE/ Files SEC form 10-Q, Quarterly Report Nov 06 2015
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