Horace Mann Educators Stock Buy Hold or Sell Recommendation
HMN Stock | USD 41.27 0.16 0.39% |
Considering the 90-day investment horizon and your above-average risk tolerance, our recommendation regarding Horace Mann Educators is 'Strong Buy'. The recommendation algorithm takes into account all of Horace Mann's available fundamental, technical, and predictive indicators you will find on this site.
Check out Horace Mann Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. In addition, we conduct extensive research on individual companies such as Horace and provide practical buy, sell, or hold advice based on investors' investing horizon and their risk tolerance towards Horace Mann Educators. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in population.
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The Horace recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Horace Mann Educators. Macroaxis does not own or have any residual interests in Horace Mann Educators or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Horace Mann's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
Strong Buy
Market Performance | Good | Details | |
Volatility | Very steady | Details | |
Hype Condition | Over hyped | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Responds to the market | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unavailable | Details |
Horace Mann Trading Alerts and Improvement Suggestions
Over 98.0% of the company shares are owned by institutional investors | |
On 30th of September 2024 Horace Mann paid $ 0.34 per share dividend to its current shareholders | |
Latest headline from news.google.com: HMN Stock Earnings Horace Mann Educators Misses EPS, Misses Revenue for Q1 2024 - MSN |
Horace Mann Returns Distribution Density
The distribution of Horace Mann's historical returns is an attempt to chart the uncertainty of Horace Mann's future price movements. The chart of the probability distribution of Horace Mann daily returns describes the distribution of returns around its average expected value. We use Horace Mann Educators price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Horace Mann returns is essential to provide solid investment advice for Horace Mann.
Mean Return | 0.33 | Value At Risk | -2.23 | Potential Upside | 2.13 | Standard Deviation | 1.85 |
Return Density |
Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Horace Mann historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
Horace Stock Institutional Investors
Have you ever been surprised when a price of an equity instrument, such as Horace Mann, soars without any apparent reason. This usually happens because many institutional investors are aggressively trading Horace Mann Educators back and forth among themselves. Companies that invest excess capital in these types of assets may also be included in this term and can influence corporate governance by exercising voting rights in their investments.
Shares | Geode Capital Management, Llc | 2024-09-30 | 954.1 K | Bank Of America Corp | 2024-06-30 | 908.3 K | Gw&k Investment Management, Llc | 2024-09-30 | 905.7 K | Cramer Rosenthal Mcglynn Llc | 2024-09-30 | 734.2 K | Amvescap Plc. | 2024-06-30 | 563.4 K | Charles Schwab Investment Management Inc | 2024-09-30 | 558.3 K | Ameriprise Financial Inc | 2024-06-30 | 523 K | Bank Of New York Mellon Corp | 2024-06-30 | 461 K | Northern Trust Corp | 2024-09-30 | 436.4 K | Blackrock Inc | 2024-06-30 | 5.9 M | Vanguard Group Inc | 2024-09-30 | 5 M |
Horace Mann Cash Flow Accounts
2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
Change In Cash | 13.6M | (3.2M) | 111.4M | (90.9M) | (13.1M) | (12.4M) | |
Free Cash Flow | 14.4K | (349.9M) | 358.3M | 207.2M | 302.1M | 178.0M | |
Other Non Cash Items | (121.5M) | 18.9M | (30.5M) | 79.5M | 9.5M | 9.0M | |
Capital Expenditures | 477.5M | 98.5M | 2.3M | 35.7M | 165.8M | 174.1M | |
Net Income | 184.4M | 133.3M | 142.8M | (2.6M) | 45M | 78.3M | |
End Period Cash Flow | 25.5M | 22.3M | 133.7M | 42.8M | 29.7M | 31.2M | |
Depreciation | 15.6M | 23.4M | 18.4M | 27.6M | 26.2M | 27.5M | |
Dividends Paid | 47.3M | 49.6M | 51.4M | 52.6M | 53.9M | 27.9M | |
Change To Netincome | (95.5M) | 26.0M | (10.6M) | 88.4M | 101.7M | 139.8M | |
Investments | 526.8M | (418.8M) | (283M) | (214.6M) | (107.4M) | (112.8M) | |
Net Borrowings | (194.6M) | 11.2M | 65.3M | (144.1M) | (129.7M) | (123.2M) |
Horace Mann Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Horace Mann or Insurance sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Horace Mann's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Horace stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | 0.17 | |
β | Beta against Dow Jones | 1.26 | |
σ | Overall volatility | 1.88 | |
Ir | Information ratio | 0.11 |
Horace Mann Volatility Alert
Horace Mann Educators has relatively low volatility with skewness of 1.24 and kurtosis of 5.6. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Horace Mann's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Horace Mann's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Horace Mann Fundamentals Vs Peers
Comparing Horace Mann's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Horace Mann's direct or indirect competition across all of the common fundamentals between Horace Mann and the related equities. This way, we can detect undervalued stocks with similar characteristics as Horace Mann or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Horace Mann's fundamental indicators could also be used in its relative valuation, which is a method of valuing Horace Mann by comparing valuation metrics with those of similar companies.
Better Than Average | Worse Than Average | Compare Horace Mann to competition |
Fundamentals | Horace Mann | Peer Average |
Return On Equity | 0.089 | -0.31 |
Return On Asset | 0.0072 | -0.14 |
Profit Margin | 0.07 % | (1.27) % |
Operating Margin | 0.12 % | (5.51) % |
Current Valuation | 2.2 B | 16.62 B |
Shares Outstanding | 40.76 M | 571.82 M |
Shares Owned By Insiders | 1.69 % | 10.09 % |
Shares Owned By Institutions | 98.31 % | 39.21 % |
Number Of Shares Shorted | 762.06 K | 4.71 M |
Price To Earning | 11.86 X | 28.72 X |
Price To Book | 1.31 X | 9.51 X |
Price To Sales | 1.06 X | 11.42 X |
Revenue | 1.49 B | 9.43 B |
Gross Profit | 345 M | 27.38 B |
EBITDA | 109.2 M | 3.9 B |
Net Income | 45 M | 570.98 M |
Cash And Equivalents | 146.4 M | 2.7 B |
Cash Per Share | 3.58 X | 5.01 X |
Total Debt | 546 M | 5.32 B |
Debt To Equity | 0.40 % | 48.70 % |
Current Ratio | 2.90 X | 2.16 X |
Book Value Per Share | 31.60 X | 1.93 K |
Cash Flow From Operations | 302.1 M | 971.22 M |
Short Ratio | 3.27 X | 4.00 X |
Earnings Per Share | 2.52 X | 3.12 X |
Price To Earnings To Growth | 2.52 X | 4.89 X |
Target Price | 42.67 | |
Number Of Employees | 1.7 K | 18.84 K |
Beta | 0.28 | -0.15 |
Market Capitalization | 1.69 B | 19.03 B |
Total Asset | 14.05 B | 29.47 B |
Retained Earnings | 1.5 B | 9.33 B |
Annual Yield | 0.03 % |
Note: Disposition of 10346 shares by Marita Zuraitis of Horace Mann at 31.01 subject to Rule 16b-3 [view details]
Horace Mann Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Horace . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About Horace Mann Buy or Sell Advice
When is the right time to buy or sell Horace Mann Educators? Buying financial instruments such as Horace Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
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Check out Horace Mann Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. You can also try the Financial Widgets module to easily integrated Macroaxis content with over 30 different plug-and-play financial widgets.
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.