EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Horace Mann Educators's Enterprise Value is €2,414 Mil.
Horace Mann Educators's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €407 Mil. Therefore, Horace Mann Educators's EV-to-FCF for today is 5.94.
The historical rank and industry rank for Horace Mann Educators's EV-to-FCF or its related term are showing as below:
FRA:HM9'
s EV-to-FCF Range Over the Past 10 Years
Min: 3.61 Med: 8.32 Max: 22.96
Current: 5.8
During the past 13 years, the highest EV-to-FCF of Horace Mann Educators was 22.96. The lowest was 3.61. And the median was 8.32.
FRA:HM9's EV-to-FCF is ranked better than 68.35% of 395
companies
in the Insurance industry
Industry Median: 9.32
vs FRA:HM9: 5.80
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Horace Mann Educators (FRA:HM9) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Horace Mann Educators's PE Ratio (TTM) for today is calculated as:
Horace Mann Educators's share price for today is €44.60.
Horace Mann Educators's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €3.417.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Insurance - Property & Casualty subindustry, Horace Mann Educators's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Horace Mann Educators EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Horace Mann Educators's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Horace Mann Educators's EV-to-FCF falls into.
Horace Mann Educators's current Enterprise Value is €2,414 Mil.
Horace Mann Educators's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €407 Mil.
* 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 (FRA:HM9) has a EV-to-FCF of 5.94 as of Jul. 03, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Horace Mann Educators and its competitors. This is 29% below median its historical median of 8.32. Over the past decade, Horace Mann Educators' EV-to-FCF has ranged from 3.61 to 22.96. According to the industry distribution chart, Horace Mann Educators ranks #125 out of 395 companies in the Insurance industry, placing it in the top 31.6%.
Is Horace Mann Educators' EV-to-FCF too high?
Horace Mann Educators' current EV-to-FCF of 5.94 is 29% below median its 10-year median of 8.32. Over the past 10 years, this metric has ranged from a low of 3.61 to a high of 22.96. The Insurance industry median EV-to-FCF is 9.32. Horace Mann Educators' value of 5.94 is 36.3% below this industry median. Based on the distribution chart, Horace Mann Educators ranks #125 out of 395 companies in the Insurance industry, which is above the industry midpoint. Overall, Horace Mann Educators has a GF Score™ of 76/100, reflecting its overall financial health beyond just this single metric.
How does Horace Mann Educators' EV-to-FCF compare to STC and SLDE?
According to the Insurance industry distribution chart, Horace Mann Educators ranks #125 out of 395 companies for EV-to-FCF. This puts Horace Mann Educators in the upper half of its industry. The industry median EV-to-FCF is 9.32. Horace Mann Educators' value of 5.94 is 36.3% below this benchmark. Historically, Horace Mann Educators' own EV-to-FCF has ranged from 3.61 to 22.96 over the past decade. While the company's 10-year median is 8.32 vs. the industry median of 9.32, Horace Mann Educators has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.32, based on 395 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Horace Mann Educators's current EV-to-FCF of 5.94 is 36.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Horace Mann Educators and its competitors. For the Insurance industry, the median EV-to-FCF is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Horace Mann Educators's current EV-to-FCF is 5.94, which is 29% below median its own 10-year median of 8.32. 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?
Horace Mann Educators (FRA:HM9) has a current EV-to-FCF of 5.94. The stock's GF Value™ is €35.85, compared to a current price of €44.60 — trading 24.4% above its estimated fair value. The current EV-to-FCF is 5.94, which is 29% below median its 10-year median of 8.32 and 36.3% below the Insurance industry median of 9.32. Horace Mann Educators' overall GF Score™ is 76/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Horace Mann Educators (FRA:HM9), the current EV-to-FCF is 5.94 as of Jul. 03, 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 (FRA:HM9) Overvalued in 2026?
Based on GuruFocus' analysis, Horace Mann Educators stock appears to be overvalued.
The current stock price of €44.60 is trading 24.4% above its estimated GF Value™ of €35.85.
Key valuation signals for FRA:HM9:
EV-to-FCF: 5.94 (29% below median its 10-year median of 8.32)
GF Value™: €35.85 vs. price of €44.60 (24.4% above fair value)
Industry Position: 36.3% below the Insurance median (#125 of 395)
No single metric tells the full story. See the FRA:HM9 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.
76GF Score
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