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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 Small Cap
Horace Mann Educators Corporation (HMN), is a Small Cap company, in the Insurance - Property & Casualty industry, last closed at $48.86, about 26.6% overvalued vs fair value, +15.9% 1Y return, ranked 384/1037 in sector.
Metrics Rev Growth 9.7% ROE 11.7% Gross Margin 100.0%
USD 48.86
0.23%
(Delayed)
• Vol 90d: 21.2%
52-Week Range
Market Cap
$1.96B
Enterprise Value
$2.53B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 49%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Dividend Jun 30 Ex-div: Jun 15
Earnings Aug 5 Estimated

Fair Value Snapshot

Bear Base Bull
$20
$36
$67
Current: $48.86 -27% vs base

Engine Room Money Flow™

Small Cap

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

Flow Steps
Total Revenue
$1.7B
9.7%%
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
63.0%
Good

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

$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.
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
62
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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 (37.2%), Profitability (34.6%), and Safety (28.2%). Growth 37% Safety 28% Profitability 35%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

56th percentile vs peers
57
Key Signals
Rev Growth YoY 9.7% 58p Revenue CAGR 3Y 8.3% 49p EPS Growth YoY 1.28 80p Equity Growth YoY 9.6% 47p Asset Growth YoY 5.4% 49p
Strengths
  • EPS Growth YoY in top 20% of peers (1.28, 80th percentile)
  • Operating Margin in top 20% of peers (77.1%, 99th percentile)
  • Financial Leverage in top 20% of peers (11.59, 82th percentile)
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

52th percentile vs peers
53
Key Signals
Strengths
Risks
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Safety

43th percentile vs peers
43
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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  • 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
$35.87
- - -
-26.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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