NYSE:HMN (USA) Also trade in: Germany

Horace Mann Educators Corp

$ 39.18 0 (0%)
On watch
Volume: 134,867 Avg Vol (1m): 140,249
Market Cap $: 1.61 Bil Enterprise Value $: 1.58 Bil
P/E (TTM): 54.42 P/B: 1.15
Earnings Power Value 0
Net Current Asset Value 0
Tangible Book 32.7
Projected FCF 80.23
Median P/S Value 33.17
Graham Number 22.93
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
YTD (-%)

Financial Strength : 4/10

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.
Current vs industry vs history
Cash-to-Debt 0.02
Cash-To-Debt ranked lower than
99.50% of 200 companies
in the Insurance - Diversified industry.
Industry Max: 10000, Med: 10000, Min: 0.03
HMN: 0.02
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0, Med: 0.1, Max: 0.33
Current: 0.02
0
0.33
Equity-to-Asset 0.12
Equity-to-Asset ranked lower than
76.26% of 198 companies
in the Insurance - Diversified industry.
Industry Max: 0.98, Med: 0.25, Min: 0.04
HMN: 0.12
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.03, Med: 0.12, Max: 0.15
Current: 0.12
0.03
0.15
Debt-to-Equity 0.21
Debt-to-Equity ranked higher than
51.19% of 84 companies
in the Insurance - Diversified industry.
Industry Max: 2.6, Med: 0.21, Min: 0.01
HMN: 0.21
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.12, Med: 0.3, Max: 5.36
Current: 0.21
0.12
5.36
Debt-to-EBITDA 6.28
Debt-to-EBITDA ranked lower than
73.68% of 95 companies
in the Insurance - Diversified industry.
Industry Max: 27, Med: 1.26, Min: 0.01
HMN: 6.28
Ranked among companies with meaningful Debt-to-EBITDA only.
Debt-to-EBITDA range over the past 10 years
Min: 1.41, Med: 1.83, Max: 9.15
Current: 6.28
1.41
9.15
WACC vs ROIC %
ROIC 3.22%
WACC 7.3%

Profitability & Growth : 3/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 2.51
Net Margin ranked higher than
71.50% of 200 companies
in the Insurance - Diversified industry.
Industry Max: 101.62, Med: 8.01, Min: -4024.19
HMN: 2.51
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: 1.54, Med: 8.48, Max: 14.46
Current: 2.51
1.54
14.46
ROE % 2.24
ROE ranked higher than
58.00% of 200 companies
in the Insurance - Diversified industry.
Industry Max: 71.83, Med: 10.53, Min: -256.45
HMN: 2.24
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: 1.31, Med: 8.8, Max: 12.58
Current: 2.24
1.31
12.58
ROA % 0.27
ROA ranked lower than
63.50% of 200 companies
in the Insurance - Diversified industry.
Industry Max: 35.29, Med: 2.31, Min: -28.81
HMN: 0.27
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: 0.17, Med: 1.17, Max: 1.56
Current: 0.27
0.17
1.56
3-Year Total Revenue Growth Rate 3.30
3-Year Revenue Growth Rate ranked lower than
60.22% of 181 companies
in the Insurance - Diversified industry.
Industry Max: 474.7, Med: 6.4, Min: -61.8
HMN: 3.8
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -56.5, Med: 3.4, Max: 10.9
Current: 3.8
-56.5
10.9
3-Year Total EBITDA Growth Rate -38.90
3-Year EBITDA Growth Rate ranked lower than
79.49% of 156 companies
in the Insurance - Diversified industry.
Industry Max: 327.6, Med: 3.9, Min: -100
HMN: -38.6
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
3-Year EBITDA Growth Rate range over the past 10 years
Min: -75.3, Med: -8.55, Max: 119.3
Current: -38.6
-75.3
119.3
3-Year EPS w/o NRI Growth Rate -41.50
3-Year EPS w/o NRI Growth Rate ranked higher than
67.32% of 153 companies
in the Insurance - Diversified industry.
Industry Max: 366, Med: 7.8, Min: -100
HMN: -41.5
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: -45.5, Med: 8.8, Max: 84.7
Current: -41.5
-45.5
84.7

» HMN's 30-Y Financials

Financials (Next Earnings Date: 2019-08-02)

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Business Description

Industry Insurance » Insurance - Diversified    NAICS : 524126    SIC : 6331
Compare MIL:CASS XTAE:HARL XKLS:8621 XTAE:PHOE XSGO:ILC CAS:WAA XTAE:AYAL NYSE:GNW XTAE:MGDL NAS:GSHD MIC:RGSS XPTY:ASSA XTAE:DLEKG SAU:8010 LSE:SAGA XTAE:MMHD ASX:GMA SAU:8230 ZAG:ADRS NAS:WTRE
Traded in other countries HM9.Germany
Address 1 Horace Mann Plaza, Springfield, IL, USA, 62715-0001
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 a number of former teachers in its salesforce.

Ratios

Current vs industry vs history
PE Ratio (TTM) 54.42
PE Ratio ranked higher than
57.46% of 181 companies
in the Insurance - Diversified industry.
Industry Max: 1733.33, Med: 11.69, Min: 0.02
HMN: 54.42
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 6.35, Med: 11.32, Max: 219.57
Current: 54.42
6.35
219.57
PE Ratio without NRI 54.42
PE without NRI ranked higher than
56.91% of 181 companies
in the Insurance - Diversified industry.
Industry Max: 1733.33, Med: 11.69, Min: 0.02
HMN: 54.42
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 6.35, Med: 11.32, Max: 219.57
Current: 54.42
6.35
219.57
PB Ratio 1.15
PB Ratio ranked higher than
53.00% of 200 companies
in the Insurance - Diversified industry.
Industry Max: 18.21, Med: 1.25, Min: 0.02
HMN: 1.15
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.42, Med: 0.96, Max: 2.03
Current: 1.15
0.42
2.03
PS Ratio 1.36
PS Ratio ranked lower than
66.67% of 192 companies
in the Insurance - Diversified industry.
Industry Max: 135, Med: 1.04, Min: 0.01
HMN: 1.36
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 0.29, Med: 1.15, Max: 1.66
Current: 1.36
0.29
1.66
Price-to-Free-Cash-Flow 6.45
Price-to-Free-Cash-Flow ranked higher than
55.08% of 118 companies
in the Insurance - Diversified industry.
Industry Max: 1710, Med: 8.64, Min: 0.02
HMN: 6.45
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 1.41, Med: 5.64, Max: 8.73
Current: 6.45
1.41
8.73
Price-to-Operating-Cash-Flow 6.45
Price-to-Operating-Cash-Flow ranked higher than
50.00% of 134 companies
in the Insurance - Diversified industry.
Industry Max: 351.85, Med: 7.13, Min: 0.02
HMN: 6.45
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 1.41, Med: 5.64, Max: 8.73
Current: 6.45
1.41
8.73
EV-to-EBIT 33.31
EV-to-EBIT ranked lower than
82.50% of 160 companies
in the Insurance - Diversified industry.
Industry Max: 340.26, Med: 7.87, Min: 0.37
HMN: 33.31
Ranked among companies with meaningful EV-to-EBIT only.
EV-to-EBIT range over the past 10 years
Min: 0.6, Med: 6.9, Max: 54.6
Current: 33.31
0.6
54.6
EV-to-EBITDA 33.31
EV-to-EBITDA ranked lower than
85.28% of 163 companies
in the Insurance - Diversified industry.
Industry Max: 340.26, Med: 7.48, Min: 0.33
HMN: 33.31
Ranked among companies with meaningful EV-to-EBITDA only.
EV-to-EBITDA range over the past 10 years
Min: 0.4, Med: 6.7, Max: 54.6
Current: 33.31
0.4
54.6
EV-to-Revenue 1.31
EV-to-Revenue ranked lower than
61.88% of 181 companies
in the Insurance - Diversified industry.
Industry Max: 1217.26, Med: 0.92, Min: 0.03
HMN: 1.31
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: 0.1, Med: 1, Max: 1.7
Current: 1.31
0.1
1.7
Shiller PE Ratio 16.16
Shiller PE Ratio ranked lower than
67.86% of 28 companies
in the Insurance - Diversified industry.
Industry Max: 189.41, Med: 16.17, Min: 3.4
HMN: 16.16
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 5.04, Med: 14.53, Max: 22.32
Current: 16.16
5.04
22.32

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 2.92
Trailing Dividend Yield ranked lower than
76.68% of 283 companies
in the Insurance - Diversified industry.
Industry Max: 18.06, Med: 3.98, Min: 0.04
HMN: 2.92
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 1.46, Med: 2.76, Max: 7.18
Current: 2.92
1.46
7.18
Dividend Payout Ratio 1.59
Dividend Payout Ratio ranked higher than
76.47% of 136 companies
in the Insurance - Diversified industry.
Industry Max: 3.64, Med: 0.46, Min: 0.01
HMN: 1.59
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.13, Med: 0.28, Max: 2.59
Current: 1.59
0.13
2.59
3-Year Dividend Growth Rate (Per Share) 4.50
3-Year Dividend Growth Rate ranked lower than
53.85% of 91 companies
in the Insurance - Diversified industry.
Industry Max: 108.1, Med: 6.5, Min: -100
HMN: 4.5
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
3-Year Dividend Growth Rate range over the past 10 years
Min: 0, Med: 6.9, Max: 32.2
Current: 4.5
0
32.2
Forward Dividend Yield % 2.94
Forward Dividend Yield ranked lower than
83.87% of 279 companies
in the Insurance - Diversified industry.
Industry Max: 22.94, Med: 4, Min: 0.04
HMN: 2.94
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 4.17
Yield-on-Cost (5y) ranked higher than
50.16% of 321 companies
in the Insurance - Diversified industry.
Industry Max: 78.26, Med: 4.69, Min: 0.04
HMN: 4.17
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 2.09, Med: 3.94, Max: 10.26
Current: 4.17
2.09
10.26
3-Year Share Buyback Rate -0.30
3-Year Share Buyback Rate ranked higher than
69.23% of 104 companies
in the Insurance - Diversified industry.
Industry Max: 23.9, Med: -0.2, Min: -153.7
HMN: -0.3
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -131.5, Med: -0.1, Max: 13.3
Current: -0.3
-131.5
13.3

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.20
Price-to-Tangible-Book ranked higher than
58.88% of 197 companies
in the Insurance - Diversified industry.
Industry Max: 18.21, Med: 1.44, Min: 0.02
HMN: 1.2
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.45, Med: 1.48, Max: 5.06
Current: 1.2
0.45
5.06
Price-to-Projected-FCF 0.49
Price-to-Intrinsic-Value-Projected-FCF ranked higher than
76.39% of 72 companies
in the Insurance - Diversified industry.
Industry Max: 6.91, Med: 0.72, Min: 0.06
HMN: 0.49
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.17, Med: 0.45, Max: 0.86
Current: 0.49
0.17
0.86
Price-to-Median-PS-Value 1.18
Price-to-Median-PS-Value ranked lower than
92.22% of 167 companies
in the Insurance - Diversified industry.
Industry Max: 8.3, Med: 0.98, Min: 0.05
HMN: 1.18
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.07, Med: 0.9, Max: 1.89
Current: 1.18
0.07
1.89
Price-to-Graham-Number 1.71
Price-to-Graham-Number ranked higher than
64.46% of 166 companies
in the Insurance - Diversified industry.
Industry Max: 5.57, Med: 0.86, Min: 0.03
HMN: 1.71
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.43, Med: 1.04, Max: 4.22
Current: 1.71
0.43
4.22
Earnings Yield (Joel Greenblatt) % 3.00
Earnings Yield (Greenblatt) ranked lower than
67.01% of 197 companies
in the Insurance - Diversified industry.
Industry Max: 270.27, Med: 10.86, Min: -526.32
HMN: 3
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
Earnings Yield (Greenblatt) range over the past 10 years
Min: 1.8, Med: 14.5, Max: 171.2
Current: 3
1.8
171.2
Forward Rate of Return (Yacktman) % -5.41
Forward Rate of Return ranked lower than
78.05% of 82 companies
in the Insurance - Diversified industry.
Industry Max: 291.88, Med: 11.53, Min: -72.7
HMN: -5.41
Ranked among companies with meaningful Forward Rate of Return only.
Forward Rate of Return range over the past 10 years
Min: -5.9, Med: 19.6, Max: 86.4
Current: -5.41
-5.9
86.4

More Statistics

Revenue (TTM) (Mil) $ 1,209.32
EPS (TTM) $ 0.72
Beta 0.85
Volatility % 25.29
52-Week Range $ 34.38 - 47.5
Shares Outstanding (Mil) 41.15

Analyst Estimate

Piotroski F-Score Details