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Company Analysis

Horace Mann Educators Corporati HMN

A comprehensive view of key metrics, scores, and financial health for Horace Mann Educators Corporati

Overview of Horace Mann Educators Corporation

HMN NYQ
Financial Services Insurance - Property & Casualty Small Cap
Horace Mann Educators Corporation (HMN), is a Small Cap company, in the Insurance - Property & Casualty industry, last closed at $42.39, about 15.4% overvalued vs fair value, +1.2% 1Y return, ranked 389/1004 in sector.
$42.39
-0.52%
As of March 13, 2026
Previous close • Vol 90d: 22.2%
52-Week Range
Market Cap
$1.72B
Enterprise Value
$2.29B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.horacemann.com
HQ Springfield, IL
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$20
$36
$67
Current: $42.39 -15% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$27.2M
24.8%%
Interest Expense
$36.4M
Net Interest Income
$-34.6M
-16.5%%
Total Revenue
$1.7B
9.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.0%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$64.1M
62.4% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
1
Active Leaks
0/1
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Horace Mann Educators Corporati's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
56
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
64
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 96% Coverage
Trade-Off Triangle Visualization A ternary plot showing HMN's balance between Growth (37.4%), Profitability (34.6%), and Safety (28.0%). Growth 37% Safety 28% Profitability 35%

Click axes to expand details. Marker shows current allocation.

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Growth

43th percentile vs peers
43
Key Signals
Rev Growth YoY 9.7% 51p EPS Growth YoY 1.28 73p Revenue CAGR 3Y 8.3% 33p TSR 14.8% 32p EPS CAGR 3Y -15.0% 11p
Strengths
  • D/E Ratio in top 20% of peers (40.0%, 86th percentile)
  • Operating Margin in top 20% of peers (77.1%, 97th percentile)
  • Gross Profit Margin in top 20% of peers (1.00, 94th percentile)
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

40th percentile vs peers
40
Key Signals
Strengths
Risks
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Safety

32th percentile vs peers
32
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Horace Mann Educators Corporati.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$35.87
- - -
-15.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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