Horace Financial Statements From 2010 to 2026

HMN Stock  USD 45.18  1.00  2.17%   
Horace Mann's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Horace Mann's valuation are provided below:
Gross Profit
632.2 M
Profit Margin
0.0979
Market Capitalization
1.8 B
Enterprise Value Revenue
1.6477
Revenue
1.7 B
We have found one hundred twenty available fundamental trends for Horace Mann Educators, which can be analyzed and compared to other ratios and to its competitors. Self-guided Investors are advised to confirm Horace Mann's regular fundamentals against the trend between 2010 and 2026 to make sure the company can sustain itself down the road. As of the 5th of January 2026, Market Cap is likely to drop to about 997.6 M. In addition to that, Enterprise Value is likely to drop to about 1.1 B

Horace Mann Total Revenue

1.06 Billion

Check Horace Mann financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Horace Mann's main balance sheet or income statement drivers, such as Interest Expense of 37.3 M, Selling General Administrative of 171.4 M or Total Revenue of 1.1 B, as well as many indicators such as Price To Sales Ratio of 0.83, Dividend Yield of 0.019 or PTB Ratio of 1.52. Horace financial statements analysis is a perfect complement when working with Horace Mann Valuation or Volatility modules.
  
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Check out the analysis of Horace Mann Correlation against competitors.

Horace Mann Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets17.5 B16.7 B11.5 B
Slightly volatile
Short and Long Term Debt Total317.3 M629 M452.3 M
Slightly volatile
Total Stockholder Equity919.2 M1.5 B1.3 B
Slightly volatile
Net Debt620.5 M591 M364.5 M
Slightly volatile
Common Stock Shares Outstanding34.9 M37.4 M39.2 M
Slightly volatile
Liabilities And Stockholders Equity17.5 B16.7 B11.5 B
Slightly volatile
Non Current Liabilities Total15.9 B15.2 B7.8 B
Slightly volatile
Total Liabilities15.9 B15.2 B10.2 B
Slightly volatile
Intangible Assets151 M179.2 M194.1 M
Pretty Stable
Non Current Assets Total16.4 B15.6 B7.7 B
Slightly volatile
Net Receivables390.4 M488.5 M429.1 M
Slightly volatile
Total Current Assets847.8 M1.1 B956 M
Slightly volatile
Cash23.6 M38.1 M27.3 M
Slightly volatile
Cash And Short Term Investments560.8 M590.3 MB
Pretty Stable
Common Stock Total Equity68.4 K115 K74 K
Slightly volatile
Common Stock74 K115 K76.3 K
Slightly volatile
Short Term Investments524.6 M552.2 M5.3 B
Slightly volatile
Other Liabilities12.1 B11.5 B7.4 B
Slightly volatile
Long Term Debt660.5 M629 M322.1 M
Slightly volatile
Good Will52.8 M62.4 M49.6 M
Slightly volatile
Property Plant Equipment48.2 M84.4 M52.6 M
Slightly volatile
Net Tangible Assets1.4 B1.2 B1.2 B
Pretty Stable
Retained Earnings Total Equity1.3 B1.8 B1.3 B
Slightly volatile
Long Term Debt Total340.7 M629 M323.9 M
Slightly volatile
Capital Surpluse504.8 M604 M465.1 M
Slightly volatile
Long Term Investments7.8 B7.8 B7.1 B
Slightly volatile
Non Current Liabilities Other9.1 B13.9 B9.2 B
Slightly volatile
Property Plant And Equipment Net55.2 M84.4 M50.9 M
Slightly volatile
Property Plant And Equipment Gross44.7 M74.4 M48.1 M
Slightly volatile
Net Invested Capital1.5 B1.7 B1.8 B
Pretty Stable
Capital Stock94 K115 K78.5 K
Slightly volatile

Horace Mann Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Interest Expense37.3 M31.1 M26.4 M
Pretty Stable
Total Revenue1.1 B1.8 B1.2 B
Slightly volatile
Gross Profit665 M550.2 M721.6 M
Slightly volatile
Other Operating Expenses850.2 M1.6 B1.1 B
Slightly volatile
Operating Income135.2 M115.7 M128.9 M
Pretty Stable
EBIT140.6 M187.7 M141.9 M
Very volatile
EBITDA151.3 M218 M152.9 M
Pretty Stable
Income Before Tax96.1 M115.7 M132.1 M
Slightly volatile
Net Income78.7 M118.2 M94.7 M
Pretty Stable
Selling And Marketing Expenses57.9 K73.6 K63.1 K
Slightly volatile
Interest Income17.9 M31.3 M16.3 M
Slightly volatile
Extraordinary Items2.4 M2.5 M48 M
Slightly volatile
Reconciled Depreciation22.3 M30.4 M18.5 M
Slightly volatile

Horace Mann Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Begin Period Cash Flow18.2 M34.2 M24.8 M
Slightly volatile
Total Cash From Operating Activities545.9 M519.9 M256.5 M
Slightly volatile
End Period Cash Flow46 M43.8 M28.9 M
Slightly volatile
Dividends Paid67 M63.8 M43.5 M
Slightly volatile
Stock Based Compensation8.1 M11.4 M7.1 M
Slightly volatile
Change To Operating Activities83.2 M67.7 M105.3 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio0.830.911.0785
Pretty Stable
Dividend Yield0.0190.03080.0284
Slightly volatile
PTB Ratio1.521.451.1224
Slightly volatile
Days Sales Outstanding91.8587.4891.6994
Slightly volatile
Book Value Per Share16.1228.0630.1085
Pretty Stable
Free Cash Flow Yield0.260.320.2722
Slightly volatile
Operating Cash Flow Per Share10.349.856.4482
Pretty Stable
Stock Based Compensation To Revenue0.0070.00710.0068
Slightly volatile
PB Ratio1.521.451.1224
Slightly volatile
EV To Sales1.021.21.3593
Pretty Stable
Free Cash Flow Per Share10.349.856.4483
Pretty Stable
Net Income Per Share1.352.242.2566
Very volatile
Sales General And Administrative To Revenue0.280.160.1739
Pretty Stable
Cash Per Share10.6311.19129
Slightly volatile
POCF Ratio5.223.237.7404
Very volatile
Interest Coverage5.155.427.8697
Pretty Stable
Payout Ratio0.440.490.6654
Slightly volatile
PFCF Ratio5.223.237.7402
Very volatile
Income Quality6.515.067.8262
Slightly volatile
ROE0.09760.09180.0727
Very volatile
EV To Operating Cash Flow6.344.259.5689
Very volatile
PE Ratio15.6414.1823.2591
Pretty Stable
Return On Tangible Assets0.01180.00830.0088
Very volatile
EV To Free Cash Flow6.344.259.5687
Very volatile
Earnings Yield0.05620.05710.0695
Slightly volatile
Intangibles To Total Assets0.0210.01670.0147
Pretty Stable
Net Debt To EBITDA2.222.442.9894
Pretty Stable
Current Ratio0.190.16950.1662
Slightly volatile
Receivables Turnover4.14.324.7315
Slightly volatile
Graham Number21.9937.6138.1024
Very volatile
Shareholders Equity Per Share16.128.0630.1391
Pretty Stable
Debt To Equity0.480.490.5799
Slightly volatile
Revenue Per Share19.334.7631.6054
Pretty Stable
Interest Debt Per Share6.5412.6711.8771
Pretty Stable
Debt To Assets0.04090.04340.0388
Pretty Stable
Enterprise Value Over EBITDA16.812.9417.2733
Very volatile
Short Term Coverage Ratios0.750.794.8819
Slightly volatile
Price Earnings Ratio15.6414.1823.2591
Pretty Stable
Operating Cycle91.8587.4891.6994
Slightly volatile
Price Book Value Ratio1.521.451.1224
Slightly volatile
Dividend Payout Ratio0.440.490.6654
Slightly volatile
Price To Operating Cash Flows Ratio5.223.237.7404
Very volatile
Price To Free Cash Flows Ratio5.223.237.7402
Very volatile
Pretax Profit Margin0.110.09270.0947
Pretty Stable
Ebt Per Ebit0.460.710.7793
Very volatile
Operating Profit Margin0.110.120.1139
Slightly volatile
Company Equity Multiplier10.5812.9410.5182
Pretty Stable
Long Term Debt To Capitalization0.240.340.2295
Pretty Stable
Total Debt To Capitalization0.280.340.2567
Very volatile
Return On Capital Employed0.01230.0130.0194
Slightly volatile
Debt Equity Ratio0.480.490.5799
Slightly volatile
Ebit Per Revenue0.110.120.1139
Slightly volatile
Quick Ratio0.190.16950.1662
Slightly volatile
Dividend Paid And Capex Coverage Ratio10.629.377.3971
Slightly volatile
Net Income Per E B T0.680.720.8699
Very volatile
Cash Ratio0.10.150.1588
Slightly volatile
Cash Conversion Cycle91.8587.4891.6994
Slightly volatile
Operating Cash Flow Sales Ratio0.210.330.1884
Slightly volatile
Days Of Sales Outstanding91.8587.4891.6994
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.80.90.9825
Slightly volatile
Cash Flow Coverage Ratios0.90.950.6458
Pretty Stable
Price To Book Ratio1.521.451.1224
Slightly volatile
Fixed Asset Turnover29.7324.9926.493
Slightly volatile
Price Cash Flow Ratio5.223.237.7404
Very volatile
Enterprise Value Multiple16.812.9417.2733
Very volatile
Debt Ratio0.04090.04340.0388
Pretty Stable
Cash Flow To Debt Ratio0.90.950.6458
Pretty Stable
Price Sales Ratio0.830.911.0785
Pretty Stable
Return On Assets0.01160.00820.0087
Very volatile
Asset Turnover0.170.130.1216
Slightly volatile
Net Profit Margin0.05790.0580.0764
Pretty Stable
Gross Profit Margin1.11.151.0145
Slightly volatile
Price Fair Value1.521.451.1224
Slightly volatile
Return On Equity0.09760.09180.0727
Very volatile

Horace Mann Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap997.6 M1.5 B1.6 B
Pretty Stable
Enterprise Value1.1 B1.9 BB
Very volatile

Horace Fundamental Market Drivers

Horace Upcoming Events

7th of February 2024
Upcoming Quarterly Report
View
7th of May 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
7th of February 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

About Horace Mann Financial Statements

Horace Mann investors utilize fundamental indicators, such as revenue or net income, to predict how Horace Stock might perform in the future. Analyzing these trends over time helps investors make informed market timing decisions. For further insights, please visit our fundamental analysis page.
Last ReportedProjected for Next Year
Total Revenue1.8 B1.1 B
Cost Of Revenue1.2 B1.3 B
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.16  0.28 
Revenue Per Share 34.76  19.30 
Ebit Per Revenue 0.12  0.11 

Pair Trading with Horace Mann

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Horace Mann position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Horace Mann will appreciate offsetting losses from the drop in the long position's value.

Moving together with Horace Stock

  0.74L Loews CorpPairCorr
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The ability to find closely correlated positions to Horace Mann could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Horace Mann when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Horace Mann - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Horace Mann Educators to buy it.
The correlation of Horace Mann is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Horace Mann moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Horace Mann Educators moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Horace Mann can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching
When determining whether Horace Mann Educators offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Horace Mann's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Horace Mann Educators Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Horace Mann Educators Stock:
Check out the analysis of Horace Mann Correlation against competitors.
You can also try the Bonds Directory module to find actively traded corporate debentures issued by US companies.
Is Multi-line Insurance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Horace Mann. If investors know Horace will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Horace Mann listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.687
Dividend Share
1.39
Earnings Share
3.95
Revenue Per Share
40.571
Quarterly Revenue Growth
0.064
The market value of Horace Mann Educators is measured differently than its book value, which is the value of Horace that is recorded on the company's balance sheet. Investors also form their own opinion of Horace Mann's value that differs from its market value or its book value, called intrinsic value, which is Horace Mann's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Horace Mann's market value can be influenced by many factors that don't directly affect Horace Mann's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Horace Mann's value and its price as these two are different measures arrived at by different means. Investors typically determine if Horace Mann is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Horace Mann's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.