Based on the analysis of Horace Mann's profitability, liquidity, and operating efficiency, Horace Mann Educators may be sliding down financialy. It has an above-average chance of going through some form of financial crunch next quarter. At this time, Horace Mann's Liabilities And Stockholders Equity is very stable compared to the past year. As of the 31st of January 2025, Non Current Liabilities Total is likely to grow to about 15.5 B, though Other Current Liabilities is likely to grow to (2.1 B). Key indicators impacting Horace Mann's financial strength include:
The financial analysis of Horace Mann is a critical element in measuring its lifeblood. Investors should not minimize Horace Mann's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.
Net Income
77.64 Million
Horace
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Understanding current and past Horace Mann Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Horace Mann's financial statements are interrelated, with each one affecting the others. For example, an increase in Horace Mann's assets may result in an increase in income on the income statement.
Horace Mann competes with Kemper, RLI Corp, Global Indemnity, Argo Group, and Selective Insurance. Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. Horace Mann Educators Corporation was founded in 1945 and is headquartered in Springfield, Illinois. Horace Mann operates under InsuranceProperty Casualty classification in the United States and is traded on New York Stock Exchange. It employs 1450 people.
Comparative valuation techniques use various fundamental indicators to help in determining Horace Mann's current stock value. Our valuation model uses many indicators to compare Horace Mann value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Horace Mann competition to find correlations between indicators driving Horace Mann's intrinsic value. More Info.
Horace Mann Educators is rated # 4 in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about 0.08 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Horace Mann Educators is roughly 12.36 . At this time, Horace Mann's Return On Equity is very stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Horace Mann's earnings, one of the primary drivers of an investment's value.
Horace Mann Educators Systematic Risk
Horace Mann's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Horace Mann volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourty-five with a total number of output elements of sixteen. The Beta measures systematic risk based on how returns on Horace Mann Educators correlated with the market. If Beta is less than 0 Horace Mann generally moves in the opposite direction as compared to the market. If Horace Mann Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Horace Mann Educators is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Horace Mann is generally in the same direction as the market. If Beta > 1 Horace Mann moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Horace Mann Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Horace Mann's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Horace Mann growth as a starting point in their analysis.
Along with financial statement analysis, the daily predictive indicators of Horace Mann help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Horace Mann Educators. We use our internally-developed statistical techniques to arrive at the intrinsic value of Horace Mann Educators based on widely used predictive technical indicators. In general, we focus on analyzing Horace Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Horace Mann's daily price indicators and compare them against related drivers.
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:
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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
1.964
Dividend Share
1.35
Earnings Share
2.52
Revenue Per Share
38.477
Quarterly Revenue Growth
0.088
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.