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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.17
HMN's Cash to Debt is ranked higher than
70% of the 187 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.49 vs. HMN: 0.17 )
HMN' s 10-Year Cash to Debt Range
Min: 0   Max: 0.33
Current: 0.17

0
0.33
Equity to Asset 0.13
HMN's Equity to Asset is ranked higher than
82% of the 181 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.09 vs. HMN: 0.13 )
HMN' s 10-Year Equity to Asset Range
Min: 0.08   Max: 0.15
Current: 0.13

0.08
0.15
Interest Coverage 10.82
HMN's Interest Coverage is ranked higher than
81% of the 170 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.86 vs. HMN: 10.82 )
HMN' s 10-Year Interest Coverage Range
Min: 0.01   Max: 10.82
Current: 10.82

0.01
10.82
F-Score: 4
Z-Score: 0.41
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 (%) 14.51
HMN's Operating margin (%) is ranked higher than
91% of the 187 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.68 vs. HMN: 14.51 )
HMN' s 10-Year Operating margin (%) Range
Min: 0.02   Max: 85.93
Current: 14.51

0.02
85.93
Net-margin (%) 10.32
HMN's Net-margin (%) is ranked higher than
90% of the 187 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 5.13 vs. HMN: 10.32 )
HMN' s 10-Year Net-margin (%) Range
Min: 1.31   Max: 11.19
Current: 10.32

1.31
11.19
ROE (%) 9.10
HMN's ROE (%) is ranked higher than
80% of the 187 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.71 vs. HMN: 9.10 )
HMN' s 10-Year ROE (%) Range
Min: 1.91   Max: 17.02
Current: 9.1

1.91
17.02
ROA (%) 1.19
HMN's ROA (%) is ranked higher than
84% of the 187 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.85 vs. HMN: 1.19 )
HMN' s 10-Year ROA (%) Range
Min: 0.19   Max: 2.09
Current: 1.19

0.19
2.09
ROC (Joel Greenblatt) (%) 2618.10
HMN's ROC (Joel Greenblatt) (%) is ranked higher than
98% of the 166 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 198.02 vs. HMN: 2618.10 )
HMN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 428.38   Max: 3076.25
Current: 2618.1

428.38
3076.25
Revenue Growth (3Y)(%) 1.40
HMN's Revenue Growth (3Y)(%) is ranked higher than
84% of the 162 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.60 vs. HMN: 1.40 )
HMN' s 10-Year Revenue Growth (3Y)(%) Range
Min: -2.2   Max: 8.5
Current: 1.4

-2.2
8.5
EBITDA Growth (3Y)(%) 9.10
HMN's EBITDA Growth (3Y)(%) is ranked higher than
85% of the 154 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 7.90 vs. HMN: 9.10 )
HMN' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -47.3   Max: 93.5
Current: 9.1

-47.3
93.5
EPS Growth (3Y)(%) 10.50
HMN's EPS Growth (3Y)(%) is ranked higher than
85% of the 147 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 6.50 vs. HMN: 10.50 )
HMN' s 10-Year EPS Growth (3Y)(%) Range
Min: -44.9   Max: 84.7
Current: 10.5

-44.9
84.7
» HMN's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

HMN Guru Trades in Q4 2013

Ken Fisher 65,925 sh (unchged)
John Rogers 464,109 sh (-0.53%)
HOTCHKIS & WILEY 1,301,239 sh (-1%)
Donald Smith 2,118,376 sh (-6.14%)
Paul Tudor Jones 8,754 sh (-64.7%)
» More
Q1 2014

HMN Guru Trades in Q1 2014

Jim Simons 60,163 sh (New)
HOTCHKIS & WILEY 1,938,539 sh (+48.98%)
Ken Fisher 65,925 sh (unchged)
Paul Tudor Jones Sold Out
Donald Smith 2,063,740 sh (-2.58%)
John Rogers 433,809 sh (-6.53%)
» More
Q2 2014

HMN Guru Trades in Q2 2014

David Dreman 1,998 sh (New)
HOTCHKIS & WILEY 2,478,039 sh (+27.83%)
Ken Fisher Sold Out
John Rogers 424,834 sh (-2.07%)
Donald Smith 1,923,698 sh (-6.79%)
Jim Simons 55,600 sh (-7.58%)
» More
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
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
HOTCHKIS & WILEY 2014-06-30 Add 27.83%0.06%$27.88 - $31.66 $ 31.426%2478039
David Dreman 2014-06-30 New Buy$27.88 - $31.66 $ 31.426%1998
Ken Fisher 2014-06-30 Sold Out $27.88 - $31.66 $ 31.426%0
HOTCHKIS & WILEY 2014-03-31 Add 48.98%0.07%$27.48 - $31.61 $ 31.428%1938539
John Rogers 2012-09-30 Reduce -28.06%0.06%$17 - $18.76 $ 31.4275%403644
Ken Fisher 2012-06-30 Reduce -92.41%0.04%$16.37 - $18.01 $ 31.4282%65925
Ken Fisher 2012-03-31 Reduce -41.33%0.03%$14.11 - $18.09 $ 31.42102%868099
Donald Smith 2011-12-31 Add 32.51%0.24%$10.74 - $14.03 $ 31.42147%2338758
HOTCHKIS & WILEY 2011-12-31 Add 23.01%0.02%$10.74 - $14.03 $ 31.42147%1451513
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.30
HMN's P/E(ttm) is ranked higher than
79% of the 196 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 14.00 vs. HMN: 12.30 )
HMN' s 10-Year P/E(ttm) Range
Min: 6.33   Max: 216.48
Current: 12.3

6.33
216.48
Forward P/E 7.94
HMN's Forward P/E is ranked higher than
86% of the 196 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.19 vs. HMN: 7.94 )
N/A
PE(NRI) 12.30
HMN's PE(NRI) is ranked higher than
86% of the 196 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 14.30 vs. HMN: 12.30 )
HMN' s 10-Year PE(NRI) Range
Min: 6.35   Max: 219.57
Current: 12.3

6.35
219.57
P/B 1.00
HMN's P/B is ranked higher than
76% of the 196 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.07 vs. HMN: 1.00 )
HMN' s 10-Year P/B Range
Min: 0.42   Max: 2.03
Current: 1

0.42
2.03
P/S 1.27
HMN's P/S is ranked higher than
54% of the 196 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.60 vs. HMN: 1.27 )
HMN' s 10-Year P/S Range
Min: 0.29   Max: 1.33
Current: 1.27

0.29
1.33
POCF 6.02
HMN's POCF is ranked higher than
87% of the 196 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 10.29 vs. HMN: 6.02 )
HMN' s 10-Year POCF Range
Min: 1.42   Max: 6.59
Current: 6.02

1.42
6.59
EV-to-EBIT 7.27
HMN's EV-to-EBIT is ranked higher than
89% of the 196 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 9.44 vs. HMN: 7.27 )
HMN' s 10-Year EV-to-EBIT Range
Min: -142.1   Max: 1767.1
Current: 7.27

-142.1
1767.1
PEG 1.37
HMN's PEG is ranked higher than
93% of the 196 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.00 vs. HMN: 1.37 )
HMN' s 10-Year PEG Range
Min: 0.07   Max: 19.11
Current: 1.37

0.07
19.11
Shiller P/E 13.99
HMN's Shiller P/E is ranked higher than
87% of the 196 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 24.85 vs. HMN: 13.99 )
HMN' s 10-Year Shiller P/E Range
Min: 4.33   Max: 26.6
Current: 13.99

4.33
26.6

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.93
HMN's Dividend Yield is ranked higher than
55% of the 146 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 2.80 vs. HMN: 2.93 )
HMN' s 10-Year Dividend Yield Range
Min: 1.46   Max: 7.18
Current: 2.93

1.46
7.18
Dividend Payout 0.34
HMN's Dividend Payout is ranked higher than
80% of the 196 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.54 vs. HMN: 0.34 )
HMN' s 10-Year Dividend Payout Range
Min: 0.1   Max: 5.25
Current: 0.34

0.1
5.25
Dividend growth (3y) 30.60
HMN's Dividend growth (3y) is ranked higher than
95% of the 94 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.20 vs. HMN: 30.60 )
HMN' s 10-Year Dividend growth (3y) Range
Min: -17.2   Max: 32.2
Current: 30.6

-17.2
32.2
Yield on cost (5-Year) 12.34
HMN's Yield on cost (5-Year) is ranked higher than
99% of the 146 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 3.27 vs. HMN: 12.34 )
HMN' s 10-Year Yield on cost (5-Year) Range
Min: 6.01   Max: 29.54
Current: 12.34

6.01
29.54
Share Buyback Rate -0.50
HMN's Share Buyback Rate is ranked higher than
84% of the 128 Companies
in the Global Insurance - Diversified industry.

( Industry Median: -0.30 vs. HMN: -0.50 )
HMN' s 10-Year Share Buyback Rate Range
Min: 6.2   Max: -5.8
Current: -0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.03
HMN's Price/Tangible Book is ranked higher than
85% of the 196 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.60 vs. HMN: 1.03 )
HMN' s 10-Year Price/Tangible Book Range
Min: 0.45   Max: 3.98
Current: 1.03

0.45
3.98
Price/Median PS Value 1.45
HMN's Price/Median PS Value is ranked higher than
56% of the 196 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 1.20 vs. HMN: 1.45 )
HMN' s 10-Year Price/Median PS Value Range
Min: 0.47   Max: 2.44
Current: 1.45

0.47
2.44
Price/Peter Lynch Fair Value 1.31
HMN's Price/Peter Lynch Fair Value is ranked higher than
87% of the 196 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.00 vs. HMN: 1.31 )
HMN' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.31   Max: 20.52
Current: 1.31

0.31
20.52
Price/Graham Number 0.74
HMN's Price/Graham Number is ranked higher than
86% of the 196 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 0.90 vs. HMN: 0.74 )
HMN' s 10-Year Price/Graham Number Range
Min: 0.42   Max: 4.77
Current: 0.74

0.42
4.77
Earnings Yield (Greenblatt) 13.80
HMN's Earnings Yield (Greenblatt) is ranked higher than
83% of the 180 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 11.60 vs. HMN: 13.80 )
HMN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 46.1
Current: 13.8

0.1
46.1
Forward Rate of Return (Yacktman) 9.36
HMN's Forward Rate of Return (Yacktman) is ranked higher than
80% of the 136 Companies
in the Global Insurance - Diversified industry.

( Industry Median: 19.34 vs. HMN: 9.36 )
HMN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -48.1   Max: 127.1
Current: 9.36

-48.1
127.1

Business Description

Industry: Insurance » Insurance - Diversified
Compare:BRK.B, ALIZF, AXAHY, ZFSVF, AIZ » details
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.

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