Stock HMN HORACE MANN EDUCATORS CORPORATION
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Financials Horace Mann Educators Corporation

Equities

HMN

US4403271046

Property & Casualty Insurance

Market Closed - Nyse
Other stock markets
 04:00:02 2024-04-26 pm EDT 		5-day change 1st Jan Change
36.74 USD -0.05% Intraday chart for Horace Mann Educators Corporation +1.05% +12.35%
Apr. 05 Piper Sandler Trims Price Target on Horace Mann Educators to $39 From $40, Maintains Neutral Rating MT
Mar. 08 Horace Mann Educators Files Mixed Shelf MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 1,800 1,741 1,606 1,528 1,335 1,504 -
Enterprise Value (EV) 1 1,800 1,741 1,606 1,528 1,335 1,504 1,504
P/E ratio 9.92 x 13.3 x 11.4 x -623 x 30 x 11.6 x 9.71 x
Yield 2.63% 2.85% 3.2% 3.43% 4.04% 3.78% 3.97%
Capitalization / Revenue 1.26 x 1.33 x 1.21 x 1.11 x 0.9 x 0.92 x 0.86 x
EV / Revenue 1.26 x 1.33 x 1.21 x 1.11 x 0.9 x 0.92 x 0.86 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.15 x 0.97 x 0.89 x 1.4 x 1.14 x 1.26 x 1.11 x
Nbr of stocks (in thousands) 41,220 41,413 41,488 40,898 40,835 40,938 -
Reference price 2 43.66 42.04 38.70 37.37 32.70 36.74 36.74
Announcement Date 2/5/20 2/2/21 2/1/22 2/7/23 2/7/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 1,430 1,310 1,330 1,383 1,492 1,633 1,741
EBITDA - - - - - - -
EBIT - - - - - - -
Operating Margin - - - - - - -
Earnings before Tax (EBT) 1 236.4 159.6 174.9 -11.9 53.3 162.8 194
Net income 1 184.4 133.3 142.8 -2.6 45 130.5 155.4
Net margin 12.89% 10.17% 10.74% -0.19% 3.02% 7.99% 8.93%
EPS 2 4.400 3.170 3.390 -0.0600 1.090 3.155 3.783
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 1.150 1.200 1.240 1.280 1.320 1.390 1.460
Announcement Date 2/5/20 2/2/21 2/1/22 2/7/23 2/7/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 329.6 331.4 346.8 346.3 343 346.8 353.9 356.4 378.7 402.9 398.4 406.8 410.1 417.7 429.2
EBITDA - - - - - - - - - - - - - - -
EBIT - - - - - - - - - - - - - - -
Operating Margin - - - - - - - - - - - - - - -
Earnings before Tax (EBT) 1 19 49.6 17.7 -16.5 15.1 -28.2 8.1 -15.6 13.6 47.2 39.85 24.9 43.5 54.5 51.1
Net income 1 16.3 40.5 14.5 -12.5 13.9 -18.5 6.6 -12.8 11.7 39.5 31.85 20.25 34.7 43.7 41.3
Net margin 4.95% 12.22% 4.18% -3.61% 4.05% -5.33% 1.86% -3.59% 3.09% 9.8% 8% 4.98% 8.46% 10.46% 9.62%
EPS 2 0.3900 0.9600 0.3500 -0.3000 0.3300 -0.4500 0.1600 -0.3100 0.2800 0.9500 0.7650 0.4850 0.8400 1.060 1.010
Dividend per Share 2 0.3100 0.3100 0.3200 0.3200 0.3200 0.3200 0.3300 0.3300 0.3300 0.3300 0.3475 0.3475 0.3475 0.3475 -
Announcement Date 11/3/21 2/1/22 5/5/22 8/4/22 11/3/22 2/7/23 5/2/23 8/1/23 11/2/23 2/7/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 7.3% 10.5% 7.94% 3.16% 4.9% 10.9% 11.9%
ROA (Net income/ Total Assets) - - - - - - -
Assets 1 - - - - - - -
Book Value Per Share 2 38.00 43.20 43.70 26.60 28.80 29.10 33.20
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 2/5/20 2/2/21 2/1/22 2/7/23 2/7/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Horace Mann Educators Corporation

Trading Rating
Investor Rating
ESG Refinitiv
B+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
4
Last Close Price
36.74 USD
Average target price
40.5 USD
Spread / Average Target
+10.23%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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