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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 : 5/10

vs
industry
vs
history
Cash to Debt 0.19
HMN's Cash to Debt is ranked lower than
93% of the 142 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 235.61 vs. HMN: 0.19 )
Ranked among companies with meaningful Cash to Debt only.
HMN' s 10-Year Cash to Debt Range
Min: 0  Med: 0.13 Max: 0.33
Current: 0.19
0
0.33
Equity to Asset 0.13
HMN's Equity to Asset is ranked lower than
72% of the 142 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 10-Year Equity to Asset Range
Min: 0.08  Med: 0.11 Max: 0.15
Current: 0.13
0.08
0.15
Interest Coverage 10.29
HMN's Interest Coverage is ranked lower than
74% of the 116 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10000.00 vs. HMN: 10.29 )
Ranked among companies with meaningful Interest Coverage only.
HMN' s 10-Year Interest Coverage Range
Min: 0.01  Med: 6.67 Max: 10.82
Current: 10.29
0.01
10.82
F-Score: 4
WACC vs ROIC
10.80%
9.32%
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 : 6/10

vs
industry
vs
history
Operating margin (%) 13.88
HMN's Operating margin (%) is ranked higher than
63% of the 142 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.25 vs. HMN: 13.88 )
Ranked among companies with meaningful Operating margin (%) only.
HMN' s 10-Year Operating margin (%) Range
Min: 0.02  Med: 14.85 Max: 85.93
Current: 13.88
0.02
85.93
Net-margin (%) 9.87
HMN's Net-margin (%) is ranked higher than
58% of the 143 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.88 vs. HMN: 9.87 )
Ranked among companies with meaningful Net-margin (%) only.
HMN' s 10-Year Net-margin (%) Range
Min: 1.31  Med: 8.60 Max: 11.19
Current: 9.87
1.31
11.19
ROE (%) 7.99
HMN's ROE (%) is ranked lower than
63% of the 142 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.47 vs. HMN: 7.99 )
Ranked among companies with meaningful ROE (%) only.
HMN' s 10-Year ROE (%) Range
Min: 1.91  Med: 9.93 Max: 17.02
Current: 7.99
1.91
17.02
ROA (%) 1.08
HMN's ROA (%) is ranked lower than
61% of the 143 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.98 vs. HMN: 1.08 )
Ranked among companies with meaningful ROA (%) only.
HMN' s 10-Year ROA (%) Range
Min: 0.19  Med: 1.21 Max: 2.09
Current: 1.08
0.19
2.09
Revenue Growth (3Y)(%) 1.40
HMN's Revenue Growth (3Y)(%) is ranked lower than
63% of the 110 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.70 vs. HMN: 1.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HMN' s 10-Year Revenue Growth (3Y)(%) Range
Min: -2.2  Med: 2.30 Max: 8.5
Current: 1.4
-2.2
8.5
EBITDA Growth (3Y)(%) 12.00
HMN's EBITDA Growth (3Y)(%) is ranked higher than
53% of the 89 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.90 vs. HMN: 12.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HMN' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -47.3  Med: 9.10 Max: 93.5
Current: 12
-47.3
93.5
EPS Growth (3Y)(%) 13.30
HMN's EPS Growth (3Y)(%) is ranked lower than
54% of the 85 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 14.50 vs. HMN: 13.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HMN' s 10-Year EPS Growth (3Y)(%) Range
Min: -44.9  Med: 10.50 Max: 84.7
Current: 13.3
-44.9
84.7
» HMN's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

HMN Guru Trades in Q3 2014

Paul Tudor Jones 14,829 sh (New)
HOTCHKIS & WILEY 2,890,959 sh (+16.66%)
David Dreman 2,161 sh (+8.16%)
Donald Smith 1,923,300 sh (-0.02%)
John Rogers 418,959 sh (-1.38%)
Jim Simons 29,400 sh (-47.12%)
» More
Q4 2014

HMN Guru Trades in Q4 2014

Jim Simons 29,500 sh (+0.34%)
HOTCHKIS & WILEY 2,871,489 sh (unchged)
Paul Tudor Jones Sold Out
John Rogers 416,506 sh (-0.59%)
HOTCHKIS & WILEY 2,871,489 sh (-0.67%)
Donald Smith 1,829,329 sh (-4.89%)
David Dreman 1,858 sh (-14.02%)
» More
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
» 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) 13.11
HMN's P/E(ttm) is ranked lower than
54% of the 119 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.40 vs. HMN: 13.11 )
Ranked among companies with meaningful P/E(ttm) only.
HMN' s 10-Year P/E(ttm) Range
Min: 6.33  Med: 10.47 Max: 216.48
Current: 13.11
6.33
216.48
Forward P/E 9.20
HMN's Forward P/E is ranked higher than
72% of the 46 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.50 vs. HMN: 9.20 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.30
HMN's PE(NRI) is ranked lower than
53% of the 119 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 12.40 vs. HMN: 13.30 )
Ranked among companies with meaningful PE(NRI) only.
HMN' s 10-Year PE(NRI) Range
Min: 6.35  Med: 10.51 Max: 219.57
Current: 13.3
6.35
219.57
P/B 1.02
HMN's P/B is ranked higher than
56% of the 141 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.15 vs. HMN: 1.02 )
Ranked among companies with meaningful P/B only.
HMN' s 10-Year P/B Range
Min: 0.42  Med: 1.00 Max: 2.03
Current: 1.02
0.42
2.03
P/S 1.29
HMN's P/S is ranked lower than
59% of the 143 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.05 vs. HMN: 1.29 )
Ranked among companies with meaningful P/S only.
HMN' s 10-Year P/S Range
Min: 0.29  Med: 0.90 Max: 1.48
Current: 1.29
0.29
1.48
POCF 6.57
HMN's POCF is ranked higher than
60% of the 105 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.80 vs. HMN: 6.57 )
Ranked among companies with meaningful POCF only.
HMN' s 10-Year POCF Range
Min: 1.42  Med: 4.84 Max: 7.47
Current: 6.57
1.42
7.47
EV-to-EBIT 7.11
HMN's EV-to-EBIT is ranked higher than
57% of the 114 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.81 vs. HMN: 7.11 )
Ranked among companies with meaningful EV-to-EBIT only.
HMN' s 10-Year EV-to-EBIT Range
Min: -142.1  Med: 5.80 Max: 1767.1
Current: 7.11
-142.1
1767.1
PEG 1.87
HMN's PEG is ranked lower than
72% of the 50 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.99 vs. HMN: 1.87 )
Ranked among companies with meaningful PEG only.
HMN' s 10-Year PEG Range
Min: 0.07  Med: 0.31 Max: 19.11
Current: 1.87
0.07
19.11
Shiller P/E 13.98
HMN's Shiller P/E is ranked lower than
53% of the 60 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.70 vs. HMN: 13.98 )
Ranked among companies with meaningful Shiller P/E only.
HMN' s 10-Year Shiller P/E Range
Min: 4.3  Med: 13.43 Max: 26.26
Current: 13.98
4.3
26.26

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.94
HMN's Dividend Yield is ranked lower than
73% of the 224 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.17 vs. HMN: 2.94 )
Ranked among companies with meaningful Dividend Yield only.
HMN' s 10-Year Dividend Yield Range
Min: 1.46  Med: 2.49 Max: 7.18
Current: 2.94
1.46
7.18
Dividend Payout 0.38
HMN's Dividend Payout is ranked higher than
63% of the 115 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.45 vs. HMN: 0.38 )
Ranked among companies with meaningful Dividend Payout only.
HMN' s 10-Year Dividend Payout Range
Min: 0.1  Med: 0.21 Max: 5.25
Current: 0.38
0.1
5.25
Dividend growth (3y) 26.00
HMN's Dividend growth (3y) is ranked higher than
81% of the 47 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.60 vs. HMN: 26.00 )
Ranked among companies with meaningful Dividend growth (3y) only.
HMN' s 10-Year Dividend growth (3y) Range
Min: -17.2  Med: 3.10 Max: 32.2
Current: 26
-17.2
32.2
Yield on cost (5-Year) 11.17
HMN's Yield on cost (5-Year) is ranked higher than
97% of the 223 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.27 vs. HMN: 11.17 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HMN' s 10-Year Yield on cost (5-Year) Range
Min: 5.55  Med: 9.46 Max: 27.28
Current: 11.17
5.55
27.28
Share Buyback Rate -0.60
HMN's Share Buyback Rate is ranked lower than
52% of the 64 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.50 vs. HMN: -0.60 )
Ranked among companies with meaningful Share Buyback Rate only.
HMN' s 10-Year Share Buyback Rate Range
Min: 6.2  Med: 1.00 Max: -5.8
Current: -0.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.07
HMN's Price/Tangible Book is ranked higher than
65% of the 136 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.38 vs. HMN: 1.07 )
Ranked among companies with meaningful Price/Tangible Book only.
HMN' s 10-Year Price/Tangible Book Range
Min: 0.45  Med: 1.47 Max: 3.88
Current: 1.07
0.45
3.88
Price/Projected FCF 0.52
HMN's Price/Projected FCF is ranked lower than
417% of the 54 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.65 vs. HMN: 0.52 )
Ranked among companies with meaningful Price/Projected FCF only.
HMN' s 10-Year Price/Projected FCF Range
Min: 0.17  Med: 0.39 Max: 0.63
Current: 0.52
0.17
0.63
Price/Median PS Value 1.44
HMN's Price/Median PS Value is ranked lower than
92% of the 119 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.96 vs. HMN: 1.44 )
Ranked among companies with meaningful Price/Median PS Value only.
HMN' s 10-Year Price/Median PS Value Range
Min: 0.45  Med: 1.10 Max: 2.35
Current: 1.44
0.45
2.35
Price/Peter Lynch Fair Value 1.22
HMN's Price/Peter Lynch Fair Value is ranked lower than
65% of the 31 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.04 vs. HMN: 1.22 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
HMN' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.31  Med: 0.75 Max: 20.52
Current: 1.22
0.31
20.52
Price/Graham Number 0.78
HMN's Price/Graham Number is ranked higher than
55% of the 103 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.83 vs. HMN: 0.78 )
Ranked among companies with meaningful Price/Graham Number only.
HMN' s 10-Year Price/Graham Number Range
Min: 0.42  Med: 0.95 Max: 4.77
Current: 0.78
0.42
4.77
Earnings Yield (Greenblatt) (%) 14.11
HMN's Earnings Yield (Greenblatt) (%) is ranked higher than
63% of the 133 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.90 vs. HMN: 14.11 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HMN' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.1  Med: 17.10 Max: 46.1
Current: 14.11
0.1
46.1
Forward Rate of Return (Yacktman) (%) 10.72
HMN's Forward Rate of Return (Yacktman) (%) is ranked lower than
68% of the 56 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 17.70 vs. HMN: 10.72 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HMN' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -38.5  Med: 10.70 Max: 127.1
Current: 10.72
-38.5
127.1

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 HMN

Headlines

Articles On GuruFocus.com
BTIM Corp's Top Buys in Q2 2015 Jul 20 2015 
Horace Mann Has Been Increasing Dividends Over the Last Seven Years Mar 16 2015 
comment on HMN May 16 2013 
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This Dividend Stock Traces Its Origin Back to Oldsmobile Dec 10 2012 
10 Really Cheap Stocks with Fastest Dividend Growth in December 2011 Dec 20 2011 
Horace Mann Reports Results for Fourth Quarter and Full Year Feb 04 2009 
Horace Mann Educators Corporation Reduces Quarterly Dividend, Announces Intent to Repay Portion of C Dec 10 2008 

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