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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 Framework: Insurance & Reinsurance Mid Cap
Horace Mann Educators Corporation (HMN), is a Mid Cap company, in the Insurance - Property & Casualty industry, last closed at $51.73, about 28.6% overvalued vs fair value, +24.9% 1Y return, ranked 401/1078 in sector.
Metrics P/E 11.9× Rev Growth 4.8% ROE 11.7% Gross Margin 104.7% Div Yield 3.04%
USD 51.73
0.29%
(Delayed)
• Vol 90d: 19.4%
52-Week Range
Market Cap
$2.13B
Enterprise Value
$2.71B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Good
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Good
Completeness: 82%
Confidence: 85%
Updated: Jul 5
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Earnings Aug 5 Estimated

Fair Value Snapshot

Bear Base Bull
$20
$37
$69
Current: $51.73 -29% vs base

Engine Room Money Flow™

Mid Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$1.6B
4.8%%
Claims & Losses
$-1.1B
-0.4%%
Underwriting Result
$1.3B
920.1%%
Net Income
$162.1M
57.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
66.0%
Fair

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$77.9M
48.1% of Net Income

Where It Leaks

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

Competitive Advantage Assessment

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

Overall Moat Strength
69
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Moderate
63
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing HMN's balance between Growth (36.8%), Profitability (44.6%), and Safety (18.6%). Growth 37% Safety 19% Profitability 45%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

44th percentile vs peers
45
Key Signals
Rev Growth YoY 4.8% 33p Equity Growth YoY 15.2% 55p EPS Growth YoY 57.3% 69p Revenue CAGR 3Y 6.6% 37p Asset Growth YoY 5.4% 39p
Strengths
  • Operating Margin in top 20% of peers (80.7%, 98th percentile)
Risks

No significant risks identified for this axis.

Profitability

54th percentile vs peers
54
Key Signals
Strengths
Risks
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Safety

22th percentile vs peers
23
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

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

Loading valuation model...
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:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$36.94
- - -
-28.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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