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Ticker
HMN

Price
40.51
Stock movement up
+1.13 (2.87%)
Company name
Horace Mann Educators Corporation
Exchange
(NYSE
,
Currency
USD
)
Sector
Financial Services >
Insurance - Property & Casualty
Market cap
1.65B
Ent value
15.04B
Price/Sales
1.04
Price/Book
1.28
Div yield
3.46%
Div growth
2.98%
Growth years
11
FCF payout
20.01%
Trailing P/E
15.86
Forward P/E
10.89
PEG
1.25
EPS growth
20.00%
1 year return
18.17%
3 year return
-0.02%
5 year return
4.63%
10 year return
1.27%
Last updated: 2025-04-14

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DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share1.40
Dividend yield3.46%
Payout frequencyQuarterly
Maximum yield4.72%
Average yield3.53%
Minimum yield2.79%
Discount to avg yield-2.19%
Upside potential-2.15%
Yield as % of max yield73.15%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield3.46%
Current yield distribution47.30%
Yield at 100% (Min)2.79%
Yield at 90%3.06%
Yield at 80%3.14%
Yield at 50% (Median)3.42%
Yield at 20%3.97%
Yield at 10%4.15%
Yield at 0% (Max)4.72%

Dividend per share

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Dividend per share data
Years of growth11 years
CCC statusDividend Contender
Dividend per share1.40
Payout frequencyQuarterly
Ex-div date17 Mar 2025
EPS (TTM)2.51
EPS (1y forward)3.72
EPS growth (5y)20.00%
EPS growth (5y forward)12.70%

Dividend growth

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Dividend growth data
HMNS&P500
DGR MR2.94%-13.74%
DGR TTM3.01%6.60%
DGR 3 years3.23%5.24%
DGR 5 years2.98%5.40%
DGR 10 years5.40%7.07%
DGR 15 years8.90%6.12%
Time since last change announced43 days
EPS growth (5y)20.00%
EPS growth (5y forward)12.70%

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM53.03%20.01%
Average--
Forward37.63%-

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VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E15.86
Price to OCF4.57
Price to FCF5.98
Price to EBITDA3.92
EV to EBITDA35.72

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales1.04
Price to Book1.28
EV to Sales9.46

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FINANCIALS

Per share

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Per share data
Current share count40.76M
EPS (TTM)2.51
FCF per share (TTM)6.66

Income statement

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Income statement data
Revenue (TTM)1.59B
Gross profit (TTM)1.59B
Operating income (TTM)397.30M
Net income (TTM)104.10M
EPS (TTM)2.51
EPS (1y forward)3.72

Margins

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Margins data
Gross margin (TTM)100.00%
Operating margin (TTM)25.00%
Profit margin (TTM)6.55%

Balance Sheet

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Balance Sheet data
Cash39.80M
Net receivables438.60M
Total current assets940.00M
Goodwill54.30M
Intangible assets159.40M
Property, plant and equipment0.00
Total assets14.71B
Accounts payable0.00
Short/Current long term debt546.70M
Total current liabilities-1.86B
Total liabilities13.43B
Shareholder's equity1.29B
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)361.50M
Capital expenditures (TTM)85.60M
Free cash flow (TTM)275.90M
Dividends paid (TTM)55.20M

Financial returns

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Financial returns data
Return on Equity8.09%
Return on Assets0.71%
Return on Invested Capital5.68%
Cash Return on Invested Capital15.05%

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STOCK INFORMATION

Stock chart

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Stock price data
Open39.63
Daily high40.78
Daily low39.63
Daily Volume189K
All-time high47.68
1y analyst estimate44.00
Beta0.28
EPS (TTM)2.51
Dividend per share1.40
Ex-div date17 Mar 2025
Next earnings date6 May 2025

Downside potential

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Downside potential data
HMNS&P500
Current price drop from All-time high-15.04%-12.04%
Highest price drop-85.93%-56.47%
Date of highest drop27 Oct 20089 Mar 2009
Avg drop from high-31.63%-11.07%
Avg time to new high56 days12 days
Max time to new high4362 days1805 days

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COMPANY DETAILS
HMN (Horace Mann Educators Corporation) company logo
Marketcap
1.65B
Marketcap category
Small-cap
Description
Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. The company operates through Property & Casualty, Life & Retirement, and Supplemental & Group Benefits segments. Its Property & Casualty segment offers insurance products, including private passenger auto insurance, residential home insurance, and personal umbrella insurance; and provides auto coverages including liability and collision, and property coverage for homeowners and renters. The Life & Retirement segment markets tax-qualified fixed, fixed indexed, and variable annuities; and internal revenue code for educator, which allows public school employees and employees of other tax-exempt organizations, such as not-for-profit private schools, to utilize pretax income to make periodic contributions to a qualified retirement plan. The Supplemental & Group Benefits segment offers employer-sponsored products including accident, critical illness, limited-benefit fixed indemnity insurance, term life, and short-term and long-term disability, as well as worksite direct products, such as supplemental heart, cancer, disability, and accident coverage. The company was founded in 1945 and is headquartered in Springfield, Illinois.
Employees
1700
Investor relations
SEC filings
CEO
Marita Zuraitis
Country
USA
City
Springfield
Stock type
Common stock
CCC status
Dividend Contender
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
No events found

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UNDERSTAND THE BUSINESS
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