Horace Mann Educators Corporation (HMN)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 1,290 | 1,250 | 1,341 | 1,433 | 1,550 | 1,625 | 1,709 | 1,272 |
| Operating profit | $m | 201 | 216 | ||||||
| Net profit | $m | 133 | 170 | 20 | 45 | 103 | 162 | 177 | 200 |
| EPS reported | $ | 3.90 | 4.28 | ||||||
| Operating cashflow per share | $ | 13.31 | 13.84 | ||||||
| Capex per share | $ | 0.00 | 0.00 | ||||||
| FCF per share | $ | 13.31 | 13.84 | ||||||
| Free cash flow | $m | 553 | 566 | ||||||
| Net debt | $m | -41 | -5,219 | ||||||
| Book value equity | $m | 1,483 | 1,503 | ||||||
| Book value per share | $ | 35.64 | 36.48 | ||||||
| Number of shares | m | 41.6 | 41.2 | ||||||
| DPS (TTM paid) | $ | 1.40 | 1.43 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 11.84 | 10.60 | ||||||
| P/B LTM | x | 1.29 | 1.28 | ||||||
| P/S LTM | x | 1.18 | 1.12 | ||||||
| P/FCF LTM | x | 3.47 | 3.39 | ||||||
| EV/EBITDA LTM | x | 9.39 | 8.84 | ||||||
| EV/Sales LTM | x | 1.53 | 1.56 | ||||||
| Earnings Yield LTM | % | +8.45% | +9.43% | ||||||
| FCF Yield | % | +28.82% | +29.49% | ||||||
| Quality | |||||||||
| ROE | % | +10.93% | +12.03% | ||||||
| ROIC | % | +1.06% | +2.95% | ||||||
| Operating margin | % | +12.38% | +12.66% | ||||||
| Gross margin | % | +35.20% | +48.28% | ||||||
| FCF/Sales | % | +34.05% | +33.12% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +57.26% | +72.58% | ||||||
| Sales Growth YoY | % | +4.81% | +10.24% | ||||||
| Net Income Growth YoY | % | +57.68% | +72.47% | ||||||
| FCF Growth | % | +22.36% | +25.22% | ||||||
| Operating Profit Growth | % | +56.45% | +68.27% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.97% | +2.71% | ||||||
| Dividend Growth | % | +2.94% | +5.15% | ||||||
| Payout Ratio | % | +35.19% | +32.51% | ||||||
| FCF/Debt | x | 0.93 | 0.95 | ||||||
| Net Debt/EBITDA | x | 2.14 | 1.95 | ||||||
| EBIT/Net interest | x | 5.53 | 5.69 | ||||||
| Net debt/market cap | % | +30.92% | +28.04% | ||||||
| Net debt/Equity | x | -0.03 | -3.47 | ||||||
| Gross debt/equity | x | 0.40 | 0.40 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Horace Mann Educators Corporation functions as an insurance holding company, conducting its operations through various subsidiaries throughout the United States. The company is structured into three main divisions: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits. It offers a comprehensive suite of personal insurance options, such as automobile and home coverage. Additionally, Horace Mann provides supplemental protection plans, addressing specific needs like cancer, cardiac conditions, hospitalization, extended disability, and accidental injuries. For financial planning, the corporation delivers tax-advantaged fixed and variable annuities, alongside a range of life insurance products including whole life, term life, and indexed universal life policies. Beyond insurance, the company also assists educators with student loan management via online platforms. Its extensive portfolio of services is distributed by a dedicated network of full-time, exclusive agents, primarily targeting K-12 teachers, school administrators, other public school personnel, and their families. Established in 1945, Horace Mann Educators Corporation is headquartered in Springfield, Illinois.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Horace Mann Educators Corporation (HMN)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Horace Mann Educators Corporation functions as an insurance holding company, conducting its operations through various subsidiaries throughout the United States. The company is structured into three main divisions: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits. It offers a comprehensive suite of personal insurance options, such as automobile and home coverage. Additionally, Horace Mann provides supplemental protection plans, addressing specific needs like cancer, cardiac conditions, hospitalization, extended disability, and accidental injuries. For financial planning, the corporation delivers tax-advantaged fixed and variable annuities, alongside a range of life insurance products including whole life, term life, and indexed universal life policies. Beyond insurance, the company also assists educators with student loan management via online platforms. Its extensive portfolio of services is distributed by a dedicated network of full-time, exclusive agents, primarily targeting K-12 teachers, school administrators, other public school personnel, and their families. Established in 1945, Horace Mann Educators Corporation is headquartered in Springfield, Illinois.
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