Business Description
Horace Mann Educators Corp
NAICS : 524126
SIC : 6331
Description
Horace Mann Educators Corp is a diversified insurance holding company that markets and underwrites personal lines of property and casualty insurance, retirement annuities, and life insurance. The company's property and casualty operations focus on automobile and homeowner insurance, while the retirement annuities are 403(b) tax-qualified products. Horace Mann Educators markets its products to kindergarten through 12th-grade teachers, administrators, and other employees of public schools and their families. The company uses several former teachers in its salesforce. Its segments include Property and Casualty, Supplemental, Retirement, Life, Corporate and Other.
Financial Strength
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 0.1 | |||||
| Equity-to-Asset | 0.09 | |||||
| Debt-to-Equity | 0.4 | |||||
| Debt-to-EBITDA | 2.02 | |||||
| Interest Coverage | 1.43 | |||||
| Piotroski F-Score | 5/9 | |||||
| Altman Z-Score | 0 | |||||
| Beneish M-Score | 0 | |||||
| WACC vs ROIC | ||||||
Growth Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 1.8 | |||||
| 3-Year EBITDA Growth Rate | 14.4 | |||||
| 3-Year EPS without NRI Growth Rate | 97.5 | |||||
| 3-Year FCF Growth Rate | 0.4 | |||||
| 3-Year Book Growth Rate | 11.5 |
Momentum Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 46.06 | |||||
| 9-Day RSI | 45.03 | |||||
| 14-Day RSI | 46.25 | |||||
| 6-1 Month Momentum % | -16.29 | |||||
| 12-1 Month Momentum % | -11.45 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 3.42 | |||||
| Dividend Payout Ratio | 0.9 | |||||
| 3-Year Dividend Growth Rate | 2.8 | |||||
| Forward Dividend Yield % | 3.45 | |||||
| 5-Year Yield-on-Cost % | 4 | |||||
| 3-Year Average Share Buyback Ratio | -0.3 |
Profitability Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 4.54 | |||||
| ROE % | 3.58 | |||||
| ROA % | 0.41 | |||||
| ROIC % | 1.37 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 26.53 | |||||
| PE Ratio without NRI | 26.53 | |||||
| Shiller PE Ratio | 11.76 | |||||
| PEG Ratio | 4.15 | |||||
| PS Ratio | 1.19 | |||||
| PB Ratio | 1.2 | |||||
| Price-to-Tangible-Book | 1.52 | |||||
| Price-to-Free-Cash-Flow | 9.32 | |||||
| Price-to-Operating-Cash-Flow | 9.32 | |||||
| EV-to-EBIT | 8.52 | |||||
| EV-to-EBITDA | 8 | |||||
| EV-to-Revenue | 1.5 | |||||
| EV-to-FCF | 11.36 | |||||
| Price-to-Projected-FCF | 0.53 | |||||
| Price-to-DCF (Earnings Based) | 2.12 | |||||
| Price-to-DCF (FCF Based) | 0.74 | |||||
| Price-to-Median-PS-Value | 0.92 | |||||
| Price-to-Peter-Lynch-Fair-Value | 4.78 | |||||
| Price-to-Graham-Number | 1.33 | |||||
| Earnings Yield (Greenblatt) % | 11.73 | |||||
| Forward Rate of Return (Yacktman) % | 18.96 |
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Executives
Analyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 1,296.4 | ||
| EPS (TTM) ($) | 1.4 | ||
| Beta | 0.36 | ||
| Volatility % | 18.91 | ||
| 14-Day RSI | 46.25 | ||
| 14-Day ATR ($) | 0.844815 | ||
| 20-Day SMA ($) | 36.1915 | ||
| 12-1 Month Momentum % | -11.45 | ||
| 52-Week Range ($) | 32.6 - 42.95 | ||
| Shares Outstanding (Mil) | 40.9 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 5 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Horace Mann Educators Corp Filings
| Document | Form | Filing Date | ||
|---|---|---|---|---|
| No Filing Data | ||||
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