Horace Mann Valuation
| HMN Stock | USD 42.79 0.23 0.54% |
At this time, the firm appears to be fairly valued. Horace Mann Educators retains a regular Real Value of $43.62 per share. The prevalent price of the firm is $42.79. Our model calculates the value of Horace Mann Educators from evaluating the firm fundamentals such as Return On Asset of 0.0103, return on equity of 0.12, and Current Valuation of 2.54 B as well as inspecting its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Horace Mann's valuation include:
Price Book 1.2124 | Enterprise Value | Price Sales 1.018 | Trailing PE 10.8571 | Enterprise Value Revenue 1.591 |
Fairly Valued
Today
Please note that Horace Mann's price fluctuation is very steady at this time. Calculation of the real value of Horace Mann Educators is based on 3 months time horizon. Increasing Horace Mann's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Horace Mann is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Horace Stock. However, Horace Mann's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 42.79 | Real 43.62 | Target 49.67 | Hype 42.78 |
The intrinsic value of Horace Mann's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence Horace Mann's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of Horace Mann Educators helps investors to forecast how Horace stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Horace Mann more accurately as focusing exclusively on Horace Mann's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Horace Mann's intrinsic value based on its ongoing forecasts of Horace Mann's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Horace Mann's closest peers.
Horace Mann Cash |
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Horace Revenue by Product
Horace Mann Total Value Analysis
Horace Mann Educators is currently expected to have company total value of 2.54 B with market capitalization of 1.73 B, debt of 593.4 M, and cash on hands of 146.4 M. Please note that company total value may be misleading and is a subject to accounting gimmicks. We encourage investors to carefully check all of the Horace Mann fundamentals before making security assessment based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
2.54 B | 1.73 B | 593.4 M | 146.4 M |
Horace Mann Investor Information
About 99.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 1.21. Some equities with similar Price to Book (P/B) outperform the market in the long run. Horace Mann Educators has Price/Earnings To Growth (PEG) ratio of 2.52. The entity last dividend was issued on the 15th of December 2025. The firm had 2:1 split on the 16th of December 1997. 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.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.81 | 0.7711 |
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| Total Cash From Operating Activities | 545.9 M | 519.9 M |
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| Operating Income | 1.4 B | 1.3 B |
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Horace Mann Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Horace Mann has an asset utilization ratio of 11.14 percent. This suggests that the Company is making $0.11 for each dollar of assets. An increasing asset utilization means that Horace Mann Educators is more efficient with each dollar of assets it utilizes for everyday operations.Horace Mann Profitability Analysis
Considering Horace Mann's profitability and operating efficiency indicators, Horace Mann's profitability may be sliding down. It has an above-average chance of reporting lower numbers next quarter. Profitability indicators assess Horace Mann's ability to earn profits and add value for shareholders.Net Income | First Reported 1990-03-31 | Previous Quarter 58.3 M | Current Value 36.2 M | Quarterly Volatility 18.2 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Gross Profit Margin | 0.41 | 0.35 |
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| Net Profit Margin | 0.0586 | 0.0953 |
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| Operating Profit Margin | 0.81 | 0.7711 |
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| Pretax Profit Margin | 0.11 | 0.1183 |
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| Return On Assets | 0.0116 | 0.0106 |
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| Return On Equity | 0.0982 | 0.1093 |
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For Horace Mann profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Horace Mann Educators to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Horace Mann utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Horace Mann's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Horace Mann over time as well as its relative position and ranking within its peers.
Horace Mann Earnings per Share Projection vs Actual
The next projected EPS of Horace Mann is estimated to be 0.83 with future projections ranging from a low of 0.8 to a high of 0.86. Horace Mann's most recent 12-month trailing earnings per share (EPS TTM) is at 3.92. Please be aware that the consensus of earnings estimates for Horace Mann Educators is based on EPS before non-recurring items and includes expenses related to employee stock options.Horace Mann Earnings Estimation Breakdown
The calculation of Horace Mann's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of Horace Mann is estimated to be 0.83 with the future projection ranging from a low of 0.8 to a high of 0.86. Please be aware that this consensus of annual earnings estimates for Horace Mann Educators is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
0.80 Lowest | Expected EPS | 0.86 Highest |
Horace Mann Earnings Projection Consensus
Suppose the current estimates of Horace Mann's value are higher than the current market price of the Horace Mann stock. In this case, investors may conclude that Horace Mann is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and Horace Mann's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 30th of June 2026 | Current EPS (TTM) | |
| 4 | 78.24% | 0.0 | 0.83 | 3.92 |
Horace Mann Ownership Allocation
The majority of Horace Mann Educators outstanding shares are owned by outside corporations. These institutional investors are usually referred to as non-private investors looking to purchase positions in Horace Mann to benefit from reduced commissions. Consequently, third-party entities are subject to a different set of regulations than regular investors in Horace Mann Educators. Please pay attention to any change in the institutional holdings of Horace Mann Educators as this could imply that something significant has changed or is about to change at the company.Horace Mann Profitability Analysis
The company reported the last year's revenue of 1.7 B. Total Income to common stockholders was 162.1 M with profit before taxes, overhead, and interest of 648.5 M.Horace Mann Past Distributions to stockholders
About Horace Mann Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of Horace Mann Educators. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Horace Mann Educators based exclusively on its fundamental and basic technical indicators. By analyzing Horace Mann's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of Horace Mann's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of Horace Mann. We calculate exposure to Horace Mann's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Horace Mann's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 1.7 B | 1.8 B | |
| Pretax Profit Margin | 0.12 | 0.11 | |
| Operating Profit Margin | 0.77 | 0.81 | |
| Net Profit Margin | 0.10 | 0.06 | |
| Gross Profit Margin | 0.35 | 0.41 |
A single share of Horace Mann represents a small ownership stake in the entity. As a stockholder of Horace, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Horace Mann Dividends Analysis For Valuation
At this time, Horace Mann's Dividends Paid is very stable compared to the past year. As of the 13th of February 2026, Dividend Payout Ratio is likely to grow to 0.43, while Dividend Yield is likely to drop 0.02. . At this time, Horace Mann's Price Earnings Ratio is very stable compared to the past year. As of the 13th of February 2026, Price Earnings To Growth Ratio is likely to grow to 0.21, while Retained Earnings are likely to drop about 842.1 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 63.8 M | 67 M | |
| Dividend Yield | 0.03 | 0.02 | |
| Dividend Payout Ratio | 0.36 | 0.43 | |
| Dividend Paid And Capex Coverage Ratio | 9.37 | 10.62 |
There are various types of dividends Horace Mann can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Horace shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Horace Mann Educators directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Horace pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Horace Mann by the value of the dividends paid out.
Horace Mann Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 41.6 M | |
| Quarterly Earnings Growth Y O Y | -0.054 |
Horace Mann Current Valuation Indicators
Horace Mann's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Horace Mann's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Horace Mann, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Horace Mann's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Horace Mann's worth.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 Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in 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 state. You can also try the Sign In To Macroaxis module to sign in to explore Macroaxis' wealth optimization platform and fintech modules.
Will Multi-line Insurance sector continue expanding? Could Horace diversify its offerings? Factors like these will boost the valuation of Horace Mann. Market participants price Horace higher when confident in its future expansion prospects. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Horace Mann data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth (0.05) | Dividend Share 1.4 | Earnings Share 3.92 | Revenue Per Share | Quarterly Revenue Growth 0.063 |
Horace Mann Educators's market price often diverges from its book value, the accounting figure shown on Horace's balance sheet. Smart investors calculate Horace Mann's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Since Horace Mann's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental 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.