Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
HMN
BuyFull HouseHorace Mann Educators Corporation · Financial Services · United States · $2.1B · Avg Vol: $12M/d
71
StockRankGet insider-trade alerts
Q
51
V
55
M
60
P/E (TTM)
11.9x
ROE
12.4%
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 | 2.0B | 10.3% |
| EPS | 3.45 | 0.48 | 1.09 | 2.49 | 3.93 | 3.3% | 4.28 | 4.02 | 4.42 | 6.1% |
| Shares | — | 40.9M | 40.8M | 40.9M | 40.7M | -0.6% | 40.5M | — | — | — |
| Debt | — | 498.0M | 546.0M | 547.0M | 593.4M | 6.0% | 594.2M | — | — | — |
| Equity | — | 1.1B | 1.2B | 1.3B | 1.5B | 10.5% | — | — | — | — |
| Op CF | — | 171.5M | 302.1M | 452.1M | 553.2M | 47.8% | 566.1M | — | — | — |
| Inv CF | — | -214.6M | -107.4M | -135.8M | -252.1M | — | — | — | — | — |
| Fin CF | — | -47.8M | -207.8M | -307.9M | -311.7M | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)-5.3%
SMA 50SMA 200
Close
$49.44
RSI (14)
42.4
52W High
$55.56
From 52W High
0.9%
SCORE BREAKDOWN
Quality
51
ROIC (ROA)
1.0%*37.3
ROE
12.4%63.2
GP/Assets
4.5%50.6
Op. Margin
13.2%30.0
FCF/Assets
n/mN/A
Piotroski
567.4
Int. Cover
6.7x43.2
D/E Ratio
0.40x50.2
Current Ratio
2.87x66.3
Value
55
P/E (TTM)
11.9x56.7
EV/EBITDA
n/mN/A
P/FCF
n/mN/A
P/B
1.4x41.6
P/S
1.2x86.8
Div Yield
2.7%37.5
Momentum
60
52W High %
89%42.8
RS 6M
5%64.4
SMA 50/200
1.12x78.3
EPS Rev 4W
+1.2%51.0
EPS Rev 12W
+4.5%81.5
EPS Improve
+24%54.7
Q Growth
42%69.3
FUNDAMENTALS
Market Cap
$2.1B
P/E (Forward)
9.6x
Gross Margin
39.5%
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 | 71 | Buy |
| SKWD | Skyward Specialty Insurance Group, Inc. | $2.4B | 70 | Buy |
| STC | Stewart Information Services Corporation | $2.1B | 63 | Hold |
| SAFT | Safety Insurance Group, Inc. | $1.5B | 74 | Buy |
| PRCH | Porch Group, Inc. | $2.0B | 59 | Hold |
| BOW | Bowhead Specialty Holdings Inc. | $1.1B | 70 | Buy |
| HCI | HCI Group, Inc. | $2.3B | 86 | Strong Buy |
| HIPO | Hippo Holdings Inc. | $876M | 74 | Buy |
| DGICA | Donegal Group Inc. | $714M | 68 | Buy |
| SIGI | Selective Insurance Group, Inc. | $5.5B | 65 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%