Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
HMN
BUYHorace Mann Educators Corporation · Financial Services · United States · $2.1B · Avg Vol: $16M/d
73
StockRankGet insider-trade alerts
Q
51
V
53
M
62
P/E (TTM)
13.0x
ROE
11.7%
D/E
0.4x
Dividend %
2.7%
COMPANY DESCRIPTION
Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. It operates through three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits segments.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 1.3B | 1.4B | 1.6B | 1.6B | 6.6% | 1.7B | 1.7B | 1.8B | 4.5% |
| EPS | 3.45 | 0.48 | 1.09 | 2.49 | 3.93 | 3.3% | 3.98 | 3.78 | 4.37 | 5.4% |
| Shares | — | 40.9M | 40.8M | 40.9M | 40.7M | -0.6% | 40.4M | — | — | — |
| Debt | — | 498.0M | 546.0M | 547.0M | 593.4M | 6.0% | 593.8M | — | — | — |
| Equity | — | 1.1B | 1.2B | 1.3B | 1.5B | 10.5% | — | — | — | — |
| Op CF | — | 171.5M | 302.1M | 452.1M | 553.2M | 47.8% | 473.7M | — | — | — |
| Inv CF | — | -214.6M | -107.4M | -135.8M | -252.1M | — | — | — | — | — |
| Fin CF | — | -47.8M | -207.8M | -307.9M | -311.7M | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)+6.9%
SMA 50SMA 200
Close
$52.10
RSI (14)
36.0
52W High
$55.56
From 52W High
0.9%
SCORE BREAKDOWN
Quality
51
ROIC (ROA)
1.0%*37.7
ROE
11.7%61.7
GP/Assets
4.4%51.3
Op. Margin
13.9%32.6
FCF/Assets
1.8%55.2
Piotroski
565.2
Int. Cover
6.5x41.1
D/E Ratio
0.40x49.5
Current Ratio
2.84x67.9
Value
53
P/E (TTM)
13.0x51.7
EV/EBITDA
9.6x44.3
P/FCF
7.6x69.0
P/B
1.4x37.9
P/S
1.2x85.4
Div Yield
2.7%33.4
Momentum
62
52W High %
94%53.0
RS 6M
14%83.5
SMA 50/200
1.09x72.6
EPS Rev 4W
-0.3%55.6
EPS Rev 12W
+0.5%63.4
EPS Improve
+27%56.1
Q Growth
8%41.7
FUNDAMENTALS
Market Cap
$2.1B
P/E (Forward)
10.2x
Gross Margin
38.8%
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of HMN are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| HMN | Horace Mann Educators Corporation(you) | $2.1B | 73 | BUY |
| STC | Stewart Information Services Corporation | $2.1B | 69 | BUY |
| ASIC | Ategrity Specialty Insurance Company Holdings | $1.1B | 77 | BUY |
| SAFT | Safety Insurance Group, Inc. | $1.5B | 84 | STRONG BUY |
| SKWD | Skyward Specialty Insurance Group, Inc. | $2.5B | 88 | STRONG BUY |
| PLMR | Palomar Holdings, Inc. | $3.6B | 64 | HOLD |
| HCI | HCI Group, Inc. | $2.3B | 94 | STRONG BUY |
| BOW | Bowhead Specialty Holdings Inc. | $1.0B | 81 | STRONG BUY |
| HGTY | Hagerty, Inc. | $4.0B | 60 | HOLD |
| SLDE | Slide Insurance Holdings, Inc. | $2.3B | 99 | STRONG BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%