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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.20
HMN's Cash to Debt is ranked lower than
93% of the 170 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. HMN: 0.20 )
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: 0.2
Equity to Asset 0.14
HMN's Equity to Asset is ranked lower than
74% of the 170 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.24 vs. HMN: 0.14 )
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: 0.14
0.08
0.15
Interest Coverage 9.16
HMN's Interest Coverage is ranked lower than
80% of the 175 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. HMN: 9.16 )
Ranked among companies with meaningful Interest Coverage only.
HMN' s Interest Coverage Range Over the Past 10 Years
Min: 0.01  Med: 7.7 Max: 10.82
Current: 9.16
0.01
10.82
F-Score: 4
WACC vs ROIC
7.73%
7.33%
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 (%) 10.06
HMN's Operating margin (%) is ranked higher than
62% of the 167 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.35 vs. HMN: 10.06 )
Ranked among companies with meaningful Operating margin (%) only.
HMN' s Operating margin (%) Range Over the Past 10 Years
Min: 0.02  Med: 13.49 Max: 31.15
Current: 10.06
0.02
31.15
Net-margin (%) 7.30
HMN's Net-margin (%) is ranked higher than
56% of the 171 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.32 vs. HMN: 7.30 )
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: 7.3
1.31
11.14
ROE (%) 6.03
HMN's ROE (%) is ranked lower than
65% of the 172 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.35 vs. HMN: 6.03 )
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: 6.03
1.91
15.95
ROA (%) 0.79
HMN's ROA (%) is ranked lower than
63% of the 172 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.86 vs. HMN: 0.79 )
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: 0.79
0.19
1.62
Revenue Growth (3Y)(%) 1.40
HMN's Revenue Growth (3Y)(%) is ranked lower than
67% of the 141 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 Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -2.1  Med: 2.05 Max: 7.4
Current: 1.4
-2.1
7.4
EBITDA Growth (3Y)(%) 12.00
HMN's EBITDA Growth (3Y)(%) is ranked higher than
65% of the 111 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.30 vs. HMN: 12.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HMN' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -47.2  Med: 4.7 Max: 95
Current: 12
-47.2
95
EPS Growth (3Y)(%) 13.30
HMN's EPS Growth (3Y)(%) is ranked higher than
66% of the 112 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.40 vs. HMN: 13.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HMN' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -45.5  Med: 6.2 Max: 84.7
Current: 13.3
-45.5
84.7
» HMN's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-29)


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

» Details

Guru Trades

Q3 2015

HMN Guru Trades in Q3 2015

Jeremy Grantham 19,900 sh (New)
Jim Simons 19,700 sh (+116.48%)
Barrow, Hanley, Mewhinney & Strauss 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

Jeremy Grantham 34,200 sh (+71.86%)
Jim Simons 28,900 sh (+46.70%)
HOTCHKIS & WILEY 3,073,086 sh (+2.66%)
Barrow, Hanley, Mewhinney & Strauss 40,544 sh (+2.61%)
John Rogers 408,859 sh (+1.29%)
Donald Smith 1,564,994 sh (unchged)
» More
Q1 2016

HMN Guru Trades in Q1 2016

Chuck Royce 25,000 sh (New)
David Dreman 271 sh (New)
Jim Simons 76,900 sh (+166.09%)
John Rogers 421,029 sh (+2.98%)
Barrow, Hanley, Mewhinney & Strauss Sold Out
HOTCHKIS & WILEY 2,945,045 sh (-4.17%)
Jeremy Grantham 30,200 sh (-11.70%)
Donald Smith 1,353,152 sh (-13.54%)
» More
Q2 2016

HMN Guru Trades in Q2 2016

Paul Tudor Jones 6,455 sh (New)
Chuck Royce 45,000 sh (+80.00%)
Jim Simons 118,000 sh (+53.45%)
David Dreman 271 sh (unchged)
Jeremy Grantham Sold Out
HOTCHKIS & WILEY 2,841,345 sh (-3.52%)
John Rogers 388,649 sh (-7.69%)
Donald Smith 1,033,687 sh (-23.61%)
» 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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Business Description

Industry: Insurance » Insurance - Diversified
Compare:NYSE:KMPR, NYSE:GTS, NYSE:GNW, OTCPK:VNRFY, OTCPK:TPDKY, OTCPK:CUII, OTCPK:SUND, NAS:ESGR, OTCPK:IDLLF, NYSE:ORI, NYSE:AIZ, OTCPK:BLHEY, OTCPK:SYFHF, OTCPK:DIISY, OTCPK:AEGOF, OTCPK:GJNSY, OTCPK:PWCDF, NYSE:HIG, OTCPK:MSADY, OTCPK:BBSEY » details
Traded in other countries:HM9.Germany,
Horace Mann Educators is an insurance holding company. The Company markets and underwrites personal lines of property and casualty insurance, retirement annuities and life insurance in the United States of America.

Horace Mann Educators Corp 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 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.

Ratios

vs
industry
vs
history
P/E(ttm) 19.46
HMN's P/E(ttm) is ranked lower than
66% of the 147 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.16 vs. HMN: 19.46 )
Ranked among companies with meaningful P/E(ttm) only.
HMN' s P/E(ttm) Range Over the Past 10 Years
Min: 6.35  Med: 10.57 Max: 219.57
Current: 19.46
6.35
219.57
PE(NRI) 19.46
HMN's PE(NRI) is ranked lower than
65% of the 149 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 13.38 vs. HMN: 19.46 )
Ranked among companies with meaningful PE(NRI) only.
HMN' s PE(NRI) Range Over the Past 10 Years
Min: 6.35  Med: 10.57 Max: 219.57
Current: 19.46
6.35
219.57
P/B 1.03
HMN's P/B is ranked higher than
50% of the 170 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.04 vs. HMN: 1.03 )
Ranked among companies with meaningful P/B only.
HMN' s P/B Range Over the Past 10 Years
Min: 0.42  Med: 0.97 Max: 2.03
Current: 1.03
0.42
2.03
P/S 1.39
HMN's P/S is ranked lower than
65% of the 170 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.97 vs. HMN: 1.39 )
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: 1.39
0.29
1.47
POCF 7.07
HMN's POCF is ranked higher than
55% of the 111 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.68 vs. HMN: 7.07 )
Ranked among companies with meaningful POCF only.
HMN' s POCF Range Over the Past 10 Years
Min: 1.42  Med: 4.92 Max: 7.45
Current: 7.07
1.42
7.45
EV-to-EBIT 10.01
HMN's EV-to-EBIT is ranked lower than
61% of the 128 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 8.70 vs. HMN: 10.01 )
Ranked among companies with meaningful EV-to-EBIT only.
HMN' s EV-to-EBIT Range Over the Past 10 Years
Min: 0.6  Med: 5.2 Max: 20.4
Current: 10.01
0.6
20.4
EV-to-EBITDA 10.01
HMN's EV-to-EBITDA is ranked lower than
68% of the 131 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.71 vs. HMN: 10.01 )
Ranked among companies with meaningful EV-to-EBITDA only.
HMN' s EV-to-EBITDA Range Over the Past 10 Years
Min: 0.4  Med: 5.2 Max: 16.6
Current: 10.01
0.4
16.6
PEG 2.65
HMN's PEG is ranked lower than
78% of the 60 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.00 vs. HMN: 2.65 )
Ranked among companies with meaningful PEG only.
HMN' s PEG Range Over the Past 10 Years
Min: 0.07  Med: 0.37 Max: 11.25
Current: 2.65
0.07
11.25
Shiller P/E 17.92
HMN's Shiller P/E is ranked lower than
75% of the 24 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 14.87 vs. HMN: 17.92 )
Ranked among companies with meaningful Shiller P/E only.
HMN' s Shiller P/E Range Over the Past 10 Years
Min: 5.04  Med: 13.63 Max: 18.4
Current: 17.92
5.04
18.4

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.83
HMN's Dividend Yield is ranked lower than
73% of the 242 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.25 vs. HMN: 2.83 )
Ranked among companies with meaningful Dividend Yield only.
HMN' s Dividend Yield Range Over the Past 10 Years
Min: 1.46  Med: 2.67 Max: 7.18
Current: 2.83
1.46
7.18
Dividend Payout 0.54
HMN's Dividend Payout is ranked higher than
60% of the 124 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.48 vs. HMN: 0.54 )
Ranked among companies with meaningful Dividend Payout only.
HMN' s Dividend Payout Range Over the Past 10 Years
Min: 0.09  Med: 0.24 Max: 5.25
Current: 0.54
0.09
5.25
Dividend Growth (3y) 26.00
HMN's Dividend Growth (3y) is ranked higher than
82% of the 55 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.10 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 2.92
HMN's Forward Dividend Yield is ranked lower than
77% of the 231 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 4.33 vs. HMN: 2.92 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 10.75
HMN's Yield on cost (5-Year) is ranked higher than
81% of the 255 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.61 vs. HMN: 10.75 )
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: 10.14 Max: 27.28
Current: 10.75
5.55
27.28
3-Year Average Share Buyback Ratio -1.00
HMN's 3-Year Average Share Buyback Ratio is ranked lower than
54% of the 80 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.50 vs. HMN: -1.00 )
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: -12.3  Med: -0.25 Max: 13.2
Current: -1
-12.3
13.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.09
HMN's Price/Tangible Book is ranked higher than
58% of the 167 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.24 vs. HMN: 1.09 )
Ranked among companies with meaningful Price/Tangible Book only.
HMN' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.45  Med: 1.4 Max: 3.88
Current: 1.09
0.45
3.88
Price/Projected FCF 0.58
HMN's Price/Projected FCF is ranked lower than
99.99% of the 55 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.61 vs. HMN: 0.58 )
Ranked among companies with meaningful Price/Projected FCF only.
HMN' s Price/Projected FCF Range Over the Past 10 Years
Min: 0  Med: 0.39 Max: 0.63
Current: 0.58
0
0.63
Price/Median PS Value 1.56
HMN's Price/Median PS Value is ranked lower than
93% of the 151 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.92 vs. HMN: 1.56 )
Ranked among companies with meaningful Price/Median PS Value only.
HMN' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.44  Med: 1.07 Max: 2.29
Current: 1.56
0.44
2.29
Price/Peter Lynch Fair Value 3.00
HMN's Price/Peter Lynch Fair Value is ranked lower than
89% of the 19 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9999.00 vs. HMN: 3.00 )
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: 0.99 Max: 20.52
Current: 3
0.33
20.52
Price/Graham Number 0.97
HMN's Price/Graham Number is ranked lower than
57% of the 133 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.83 vs. HMN: 0.97 )
Ranked among companies with meaningful Price/Graham Number only.
HMN' s Price/Graham Number Range Over the Past 10 Years
Min: 0.43  Med: 0.9 Max: 4.22
Current: 0.97
0.43
4.22
Earnings Yield (Greenblatt) (%) 9.97
HMN's Earnings Yield (Greenblatt) (%) is ranked higher than
53% of the 165 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.60 vs. HMN: 9.97 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HMN' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.9  Med: 19.1 Max: 171.2
Current: 9.97
4.9
171.2
Forward Rate of Return (Yacktman) (%) 6.48
HMN's Forward Rate of Return (Yacktman) (%) is ranked lower than
65% of the 52 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 15.82 vs. HMN: 6.48 )
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: -30.2  Med: 9.7 Max: 114
Current: 6.48
-30.2
114

More Statistics

Revenue (TTM) (Mil) $1,097
EPS (TTM) $ 1.91
Beta0.89
Short Percentage of Float1.33%
52-Week Range $27.15 - 38.00
Shares Outstanding (Mil)40.16
» 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 
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 

More From Other Websites
Horace Mann Educators Corp. breached its 50 day moving average in a Bearish Manner : HMN-US :... Sep 14 2016
Horace Mann Reports Quarterly Dividend of $0.265 Sep 02 2016
Horace Mann Reports Quarterly Dividend of $0.265 Sep 02 2016
Horace Mann Executive Leadership to Participate in KBW 2016 Insurance Conference on September 7,... Aug 31 2016
Horace Mann Executive Leadership to Participate in KBW 2016 Insurance Conference on September 7,... Aug 31 2016
HORACE MANN EDUCATORS CORP /DE/ Financials Aug 16 2016
HORACE MANN EDUCATORS CORP /DE/ Files SEC form 10-Q, Quarterly Report Aug 05 2016
Horace Mann Educators Corp. :HMN-US: Earnings Analysis: Q2, 2016 By the Numbers : August 4, 2016 Aug 04 2016
Horace Mann posts 2Q profit Jul 28 2016
Horace Mann posts 2Q profit Jul 28 2016
HORACE MANN EDUCATORS CORP /DE/ Files SEC form 8-K, Results of Operations and Financial Condition,... Jul 27 2016
Horace Mann Reports Second Quarter 2016 Net Income per Share of $0.29; Operating EPS of $0.25 Jul 27 2016
Horace Mann Reports Second Quarter 2016 Net Income per Share of $0.29; Operating EPS of $0.25 Jul 27 2016
Q2 2016 Horace Mann Educators Corp Earnings Release - After Market Close Jul 27 2016
Peek Into Jul 27 Insurers Q2 Earnings: AHL, EIG, HMN, TMK Jul 26 2016
Horace Mann (HMN) Posts Q2 Catastrophe Loss Estimates Jul 22 2016
HORACE MANN EDUCATORS CORP /DE/ Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jul 20 2016
Horace Mann Estimates Impact of Second Quarter Severe Weather Jul 20 2016
Horace Mann to Announce Second Quarter 2016 Financial Results on July 27th Jul 11 2016
Horace Mann to Announce Second Quarter 2016 Financial Results on July 27th Jul 11 2016

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