Horace Mann Educators Stock Probability Of Bankruptcy

HMN Stock

USD 39.23 0.07 0.18%

Horace Mann's threat of distress is less than 5% at this time. It is unlikely to undergo any financial distress in the next 24 months. Odds of distress shows the probability of financial torment over the next two years of operations under current economic and market conditions. All items used in analyzing the odds of distress are taken from the Horace balance sheet, as well as cash flow and income statements available from the company's most recent filings. Check out Horace Mann Piotroski F Score and Horace Mann Altman Z Score analysis.

As of the 1st of January 2025, Market Cap is likely to drop to about 946.9 M. In addition to that, Enterprise Value is likely to drop to about 1.1 B

Horace Mann Educators Company odds of distress Analysis

Horace Mann's Probability Of Bankruptcy is a relative measure of the likelihood of financial distress. For stocks, the Probability Of Bankruptcy is the normalized value of Z-Score. For funds and ETFs, it is derived from a multi-factor model developed by Macroaxis. The score is used to predict the probability of a firm or a fund experiencing financial distress within the next 24 months. Unlike Z-Score, Probability Of Bankruptcy is the value between 0 and 100, indicating the firm's actual probability it will be financially distressed in the next 2 fiscal years.

Probability Of Bankruptcy

Normalized

Z-Score

More About Probability Of Bankruptcy | All Equity Analysis

Current Horace Mann Probability Of Bankruptcy

Less than 5%

Most of Horace Mann's fundamental indicators, such as Probability Of Bankruptcy, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Horace Mann Educators is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.

Our calculation of Horace Mann probability of bankruptcy is based on Altman Z-Score and Piotroski F-Score, but not limited to these measures. To be applied to a broader range of industries and markets, we use several other techniques to enhance the accuracy of predicting Horace Mann odds of financial distress. These include financial statement analysis, different types of price predictions, earning estimates, analysis consensus, and basic intrinsic valuation. Please use the options below to get a better understanding of different measures that drive the calculation of Horace Mann Educators financial health.

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.

Horace Probability Of Bankruptcy Driver Correlations

Understanding the fundamental principles of building solid financial models for Horace Mann is extremely important. It helps to project a fair market value of Horace Stock properly, considering its historical fundamentals such as Probability Of Bankruptcy. Since Horace Mann's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Horace Mann's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Horace Mann's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Total Liab	Short Term Debt	Intangible Assets	Net Receivables	Total Current Assets	Common Stock	Short Term Investments	Long Term Debt	Good Will	Treasury Stock	Property Plant Equipment	Accounts Payable	Net Tangible Assets	Long Term Debt Total	Capital Surpluse	Long Term Investments	Short Long Term Debt	Net Invested Capital	Capital Stock
Total Assets		0.83	0.3	0.98	1.0	0.33	0.21	0.43	0.61	0.8	0.44	0.39	0.13	-0.84	0.54	0.6	0.51	0.6	0.79	0.41	0.23	0.23	0.48
Total Stockholder Equity	0.83		-0.08	0.85	0.78	0.28	0.05	0.42	0.52	0.46	0.65	0.17	-0.35	-0.78	0.24	0.17	0.7	0.1	0.42	0.49	0.32	0.44	0.04
Net Debt	0.3	-0.08		0.2	0.35	0.2	0.12	0.47	0.43	0.49	-0.51	0.72	0.59	-0.25	0.92	0.71	0.24	0.71	0.73	-0.02	-0.2	0.29	0.73
Retained Earnings	0.98	0.85	0.2		0.97	0.32	0.16	0.37	0.55	0.79	0.48	0.36	0.11	-0.84	0.47	0.49	0.43	0.56	0.72	0.41	0.24	0.15	0.42
Total Liab	1.0	0.78	0.35	0.97		0.33	0.23	0.42	0.61	0.83	0.4	0.41	0.19	-0.82	0.57	0.65	0.46	0.66	0.82	0.39	0.21	0.19	0.53
Short Term Debt	0.33	0.28	0.2	0.32	0.33		0.42	-0.06	0.0	0.27	0.2	0.36	0.14	-0.43	0.18	0.32	0.38	0.32	0.41	0.53	0.85	0.07	0.22
Intangible Assets	0.21	0.05	0.12	0.16	0.23	0.42		0.03	0.03	-0.01	0.32	0.13	0.02	-0.44	-0.04	0.54	0.16	0.27	0.38	0.59	0.49	-0.19	-0.03
Net Receivables	0.43	0.42	0.47	0.37	0.42	-0.06	0.03		0.71	0.07	0.05	0.21	-0.06	-0.39	0.54	0.37	0.37	0.24	0.37	-0.07	-0.12	0.49	-0.02
Total Current Assets	0.61	0.52	0.43	0.55	0.61	0.0	0.03	0.71		0.37	0.2	-0.02	-0.2	-0.56	0.57	0.44	0.49	0.27	0.4	-0.06	0.04	0.55	0.28
Common Stock	0.8	0.46	0.49	0.79	0.83	0.27	-0.01	0.07	0.37		-0.01	0.57	0.53	-0.55	0.67	0.57	0.23	0.78	0.8	0.16	-0.01	0.06	0.87
Short Term Investments	0.44	0.65	-0.51	0.48	0.4	0.2	0.32	0.05	0.2	-0.01		-0.31	-0.54	-0.59	-0.36	-0.01	0.35	-0.21	0.02	0.6	0.5	-0.01	-0.4
Long Term Debt	0.39	0.17	0.72	0.36	0.41	0.36	0.13	0.21	-0.02	0.57	-0.31		0.62	-0.39	0.75	0.49	0.29	0.62	0.78	0.37	-0.13	0.17	0.62
Good Will	0.13	-0.35	0.59	0.11	0.19	0.14	0.02	-0.06	-0.2	0.53	-0.54	0.62		0.1	0.49	0.49	-0.42	0.8	0.54	-0.19	-0.25	-0.44	0.69
Treasury Stock	-0.84	-0.78	-0.25	-0.84	-0.82	-0.43	-0.44	-0.39	-0.56	-0.55	-0.59	-0.39	0.1		-0.46	-0.49	-0.59	-0.39	-0.68	-0.69	-0.38	-0.26	-0.25
Property Plant Equipment	0.54	0.24	0.92	0.47	0.57	0.18	-0.04	0.54	0.57	0.67	-0.36	0.75	0.49	-0.46		0.61	0.37	0.69	0.78	0.02	-0.22	0.42	0.76
Accounts Payable	0.6	0.17	0.71	0.49	0.65	0.32	0.54	0.37	0.44	0.57	-0.01	0.49	0.49	-0.49	0.61		0.29	0.79	0.85	0.32	0.11	0.05	0.62
Net Tangible Assets	0.51	0.7	0.24	0.43	0.46	0.38	0.16	0.37	0.49	0.23	0.35	0.29	-0.42	-0.59	0.37	0.29		-0.06	0.41	0.57	0.31	0.82	0.13
Long Term Debt Total	0.6	0.1	0.71	0.56	0.66	0.32	0.27	0.24	0.27	0.78	-0.21	0.62	0.8	-0.39	0.69	0.79	-0.06		0.84	0.06	0.02	-0.24	0.78
Capital Surpluse	0.79	0.42	0.73	0.72	0.82	0.41	0.38	0.37	0.4	0.8	0.02	0.78	0.54	-0.68	0.78	0.85	0.41	0.84		0.43	0.07	0.16	0.74
Long Term Investments	0.41	0.49	-0.02	0.41	0.39	0.53	0.59	-0.07	-0.06	0.16	0.6	0.37	-0.19	-0.69	0.02	0.32	0.57	0.06	0.43		0.49	0.11	-0.02
Short Long Term Debt	0.23	0.32	-0.2	0.24	0.21	0.85	0.49	-0.12	0.04	-0.01	0.5	-0.13	-0.25	-0.38	-0.22	0.11	0.31	0.02	0.07	0.49		-0.05	-0.16
Net Invested Capital	0.23	0.44	0.29	0.15	0.19	0.07	-0.19	0.49	0.55	0.06	-0.01	0.17	-0.44	-0.26	0.42	0.05	0.82	-0.24	0.16	0.11	-0.05		0.1
Capital Stock	0.48	0.04	0.73	0.42	0.53	0.22	-0.03	-0.02	0.28	0.87	-0.4	0.62	0.69	-0.25	0.76	0.62	0.13	0.78	0.74	-0.02	-0.16	0.1

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The Probability of Bankruptcy SHOULD NOT be confused with the actual chance of a company to file for chapter 7, 11, 12, or 13 bankruptcy protection. Macroaxis simply defines Financial Distress as an operational condition where a company is having difficulty meeting its current financial obligations towards its creditors or delivering on the expectations of its investors. Macroaxis derives these conditions daily from both public financial statements as well as analysis of stock prices reacting to market conditions or economic downturns, including short-term and long-term historical volatility. Other factors taken into account include analysis of liquidity, revenue patterns, R&D expenses, and commitments, as well as public headlines and social sentiment.

Competition

Predict Horace Mann

Based on the latest financial disclosure, Horace Mann Educators has a Probability Of Bankruptcy of 5.0%. This is 89.99% lower than that of the Insurance sector and significantly higher than that of the Financials industry. The probability of bankruptcy for all United States stocks is 87.45% higher than that of the company.

Horace Probability Of Bankruptcy Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Horace Mann's direct or indirect competition against its Probability Of Bankruptcy to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Horace Mann could also be used in its relative valuation, which is a method of valuing Horace Mann by comparing valuation metrics of similar companies.

Horace Mann is currently under evaluation in probability of bankruptcy category among its peers.

Horace Mann Main Bankruptcy Drivers

	2019	2020	2021	2022	2023	2024 (projected)
Return On Assets	0.0148	0.009895	0.0118	0.001488	0.003203	0.003043
Net Debt	407.5M	415M	369.6M	455.2M	516.3M	542.1M
Total Current Liabilities	9.4B	9.4B	135M	249M	(1.9B)	(1.8B)
Non Current Liabilities Total	298.0M	302.3M	253.6M	249M	12.9B	13.5B
Total Assets	12.5B	13.5B	14.4B	13.3B	14.0B	7.8B
Total Current Assets	6.2B	6.7B	6.7B	6.1B	29M	27.6M
Total Cash From Operating Activities	127.6M	259.8M	204.9M	171.5M	302.1M	181.7M

Horace Mann ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Horace Mann's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Horace Mann's managers, analysts, and investors.

Environmental

Governance

Social

Horace Fundamentals

Return On Equity	0.089
Return On Asset	0.0072
Profit Margin	0.07 %
Operating Margin	0.12 %
Current Valuation	2.1 B
Shares Outstanding	40.76 M
Shares Owned By Insiders	1.68 %
Shares Owned By Institutions	98.32 %
Number Of Shares Shorted	721.04 K
Price To Earning	11.86 X
Price To Book	1.24 X
Price To Sales	1.01 X
Revenue	1.49 B
Gross Profit	345 M
EBITDA	109.2 M
Net Income	45 M
Cash And Equivalents	146.4 M
Cash Per Share	3.58 X
Total Debt	546 M
Debt To Equity	0.40 %
Current Ratio	2.90 X
Book Value Per Share	31.60 X
Cash Flow From Operations	302.1 M
Short Ratio	3.33 X
Earnings Per Share	2.52 X
Price To Earnings To Growth	2.52 X
Target Price	44.0
Number Of Employees	1.7 K
Beta	0.28
Market Capitalization	1.6 B	Updating Transaction... Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions Feedback Blog Made with optimal in San Francisco 2024 Macroaxis LLC COMMON DESTINATIONS My Portfolios Thematic Proposal Market Map Investment Tools Equity Filter ETFs Funds Companies Insiders Buy or Sell Advice Correlations Patterns Technical Analysis Risk-Return Landscape Investing Ideas Portfolio Center Financial Advisers Economic Indicators MAIN CATEGORIES Portfolio Optimization Equity Research Economic Indicators Watchlist Tools AI Investment Finder FinTech Suite Market Snapshot Latest Stories Investing Sectors AI Portfolio Architect Financial Widgets COMPANY Macroaxis Sign-In Home About Us Contact Us Quick Product Tour FAQs Privacy Policy Terms Of Use Plan & Pricing

Horace Mann Educators Stock Probability Of Bankruptcy

Horace Mann Educators Company odds of distress Analysis

Probability Of Bankruptcy

Normalized

Z-Score

Current Horace Mann Probability Of Bankruptcy

Horace Probability Of Bankruptcy Driver Correlations

Horace Probability Of Bankruptcy Peer Comparison

Horace Mann Main Bankruptcy Drivers

Horace Mann ESG Sustainability

Horace Fundamentals

COMMON DESTINATIONS

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