Horace Mann Valuation
| HMN Stock | USD 41.23 0.11 0.27% |
At this time, the firm appears to be overvalued. Horace Mann Educators retains a regular Real Value of $36.23 per share. The prevalent price of the firm is $41.23. Our model calculates the value of Horace Mann Educators from evaluating the firm fundamentals such as Return On Equity of 0.0835, current valuation of 2.2 B, and Return On Asset of 0.0072 as well as inspecting its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Horace Mann's valuation include:
Price Book 1.3089 | Enterprise Value | Price Sales 1.0564 | Trailing PE 16.625 | Enterprise Value Revenue 1.4184 |
Overvalued
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 41.23 | Real 36.23 | Target 44.0 | Hype 41.23 | Naive 42.08 |
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 Valuation Trend
Knowing Horace Mann's actual value is paramount for traders when making sound investment determinations. Using both Horace Mann's enterprise value as well as its market capitalization is the best way to estimate the value of the company and is usually enough for investors to make market timing decisions.
Horace Mann Total Value Analysis
Horace Mann Educators is currently expected to have company total value of 2.2 B with market capitalization of 1.69 B, debt of 547 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 |
2.2 B | 1.69 B | 547 M | 146.4 M |
Horace Mann Investor Information
About 98.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 1.31. 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 17th of March 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 is doing better financially today then in previous quarter. It has a moderate chance of reporting better financial numbers in April.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.95 | 0.9 |
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| Total Cash From Operating Activities | 179.5 M | 96.6 M |
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| Operating Income | 1.3 B | 1.2 B |
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Horace Mann Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The recent return on assets of Horace suggests not a very effective usage of assets in March.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 1.6 B. Total Income to common stockholders was 102.8 M with profit before taxes, overhead, and interest of 523.2 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 | 1.6 B | 1.1 B | |
| Pretax Profit Margin | 0.08 | 0.08 | |
| Operating Profit Margin | 0.90 | 0.95 | |
| Net Profit Margin | 0.06 | 0.06 | |
| Gross Profit Margin | 0.90 | 0.79 |
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 23rd of March 2025, Dividend Yield is likely to grow to 0.08, while Dividend Paid And Capex Coverage Ratio is likely to drop 0.76. . At this time, Horace Mann's Price Earnings Ratio is very stable compared to the past year. As of the 23rd of March 2025, Price Earnings To Growth Ratio is likely to grow to 0.13, while Retained Earnings are likely to drop about 815.3 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 120.2 M | 126.2 M | |
| Dividend Yield | 0.07 | 0.08 | |
| Dividend Payout Ratio | 1.17 | 1.23 | |
| Dividend Paid And Capex Coverage Ratio | 0.80 | 0.76 |
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 | 41.5 M | |
| Quarterly Earnings Growth Y O Y | -0.038 |
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 population. You can also try the Fundamental Analysis module to view fundamental data based on most recent published financial statements.
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 (0.04) | Dividend Share 1.36 | Earnings Share 2.48 | Revenue Per Share | Quarterly Revenue Growth 0.015 |
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.