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Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Horace Mann Educators's accounts receivables for the quarter that ended in Jun. 2026 was $409 Mil.
Accounts receivable can be measured by Days Sales Outstanding.
Horace Mann Educators's Days Sales Outstanding for the quarter that ended in Jun. 2026 was 87.57.
In Ben Graham's calculation of Net-Net Working Capital, accounts receivable are only considered to be worth 75% of book value. Horace Mann Educators's Net-Net Working Capital per share for the quarter that ended in Jun. 2026 was $-328.17.
Horace Mann Educators Accounts Receivable Explanation
1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's accounts receivables are being managed.
Horace Mann Educators's Days Sales Outstanding for the quarter that ended in Jun. 2026 is calculated as:
2. In Ben Graham's calculation of Net-Net Working Capital (NNWC), Horace Mann Educators's accounts receivable are only considered to be worth 75% of book value:
Horace Mann Educators's Net-Net Working Capital Per Share for the quarter that ended in Jun. 2026 is calculated as:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Net receivables tells us a great deal about the different competitors in the same industry. In competitive industries, some attempt to gain advantage by offering better credit terms, causing increase in sales and receivables.
If company consistently shows lower % Net receivables to gross sales than competitors, then it usually has some kind of competitive advantage which requires further digging.
Average Days Sales Outstanding is a good indicator for measuring a company's sales channel and customers. A company may book great revenue and earnings growth but never receive payment from their customers. This may force a write-off in the future and depress future earnings.
Horace Mann Educators Accounts Receivable Related Terms
Horace Mann Educators Accounts Receivable Historical Data
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The historical data trend for Horace Mann Educators's Accounts Receivable can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Horace Mann Educators (HMN) has a Accounts Receivable of $409 Mil as of Jun. 2026. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on Horace Mann Educators and its competitors.
Is Horace Mann Educators' Accounts Receivable too high?
Horace Mann Educators' current Accounts Receivable is $409 Mil. Overall, Horace Mann Educators has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Horace Mann Educators' Accounts Receivable compare to STC and HCI?
Horace Mann Educators' Accounts Receivable of $409 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Accounts Receivable for an Insurance company?
A good Accounts Receivable depends on the Insurance industry context. However, Accounts Receivable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Accounts Receivable mean?
A high Accounts Receivable can signal that a stock is expensive relative to its fundamentals. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on Horace Mann Educators and its competitors. Horace Mann Educators's current Accounts Receivable is $409 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Horace Mann Educators stock overvalued right now?
Based on GuruFocus' analysis, Horace Mann Educators (HMN) is currently considered Fairly Valued. The stock's GF Value™ is $47.35, compared to a current price of $50.60 — trading 6.9% above its estimated fair value. The current Accounts Receivable is $409 Mil. Horace Mann Educators' overall GF Score™ is 75/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Accounts Receivable calculated?
Accounts Receivable is calculated from a company's financial statements. For Horace Mann Educators (HMN), the current Accounts Receivable is $409 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Horace Mann Educators (HMN) Overvalued in 2026?
Based on GuruFocus' analysis, Horace Mann Educators stock appears to be overvalued.
The current stock price of $50.60 is trading 6.9% above its estimated GF Value™ of $47.35.
GuruFocus considers Horace Mann Educators to be Fairly Valued.
Key valuation signals for HMN:
Accounts Receivable: $409 Mil
GF Value™: $47.35 vs. price of $50.60 (6.9% above fair value)
No single metric tells the full story. See the HMN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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 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 conducts and manages its business in four reporting segments: (1) Property & Casualty, (2) Life & Retirement, (3) Supplemental & Group Benefits and (4) Corporate & Other.
75GF Score
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