Valuation dashboard for Horace Mann Educators Corporation (HMN) with P/E 11.69, P/B 1.37, EV/EBITDA 9.09 and dividend yield 2.82%. DCF, Graham Number and Earnings Power Value models plus sector comparison against other Financial Services companies.
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.
Analysis Summary
Horace Mann Educators Corporation reported revenue of $1.62B in the most recent fiscal year, growing at a 5-year CAGR of 4.7%. Net income reached $162.1M, with a 4.0% 5-year CAGR.
Trailing-twelve-month margins: gross margin 48.3%, operating margin 12.7%, net margin 10.4%.
At the current price of $49.37, HMN trades at a P/E of 11.69 and an ROE of 12.03%. Market capitalisation stands at $2.0B.
Balance sheet quality for HMN: current ratio of 0.0. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 11.69 |
| Price / Book | 1.37 |
| EV / EBITDA | 9.09 |
| Dividend Yield | 2.82% |
Valuation Models
| DCF Fair Value | $127.26 |
| vs Current Price | +157.8% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| HMN | Horace Mann Educators Corporation | $2.0B | 11.69 | 1.37 | 12.0% |
| SLDE | Slide Insurance Holdings, Inc. Common Stock | $3.0B | 5.62 | 2.56 | 50.7% |
| SKWD | Skyward Specialty Insurance Group, Inc. | $2.3B | 13.12 | 1.85 | 16.8% |
| NWBI | Northwest Bancshares, Inc. | $2.3B | 14.84 | 1.19 | 8.1% |
| CHCO | City Holding Company | $2.0B | 15.74 | 2.50 | 16.4% |
| NIC | Nicolet Bankshares, Inc. | $2.9B | 8.8% | ||
| OFG | OFG Bancorp | $2.2B |
Price
| Price | $49.37 |
| Market Cap | $2.0B |
| Exchange | NYSE |
| Country | US |
Profitability
| Return on Equity | 12.03% |
| Return on Invested Capital | 2.95% |
| Return on Assets | 1.14% |
| Gross Margin | 48.28% |
| Operating Margin | 12.66% |
| Net Margin | 10.37% |
Related companies: AHL · CHCO · NIC · NWBI · OFG · SKWD · SLDE
Explore sector: Financial Services · Insurance - Property & Casualty
More sections of HMN: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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