Horace Mann Educators Corporation

Symbol: HMN

NYSE

36.62

USD

Market price today

  • 32.6467

    P/E Ratio

  • 0.8978

    PEG Ratio

  • 1.50B

    MRK Cap

  • 0.04%

    DIV Yield

Horace Mann Educators Corporation (HMN) Stock Price & Analysis

Shares Outstanding

40.84M

Gross Profit Margin

1.00%

Operating Profit Margin

0.20%

Net Profit Margin

0.03%

Return on Assets

0.00%

Return on Equity

0.04%

Return on Capital Employed

0.02%

Company general description and statistics

Sector: Financial Services
Industry: Insurance - Property & Casualty
CEO:Ms. Marita Zuraitis
Full-time employees:1700
City:Springfield
Address:1 Horace Mann Plaza
IPO:1991-11-15
CIK:0000850141

Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. It operates in three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits. The company underwrites and markets personal lines of property and casualty insurance, including personal lines auto and property insurance products; supplemental insurance products, which include cancer, heart, hospital, supplemental disability, and accident coverages; retirement products, such as tax-qualified fixed and variable annuities; and life insurance products comprising whole life and term, as well as indexed universal life insurance products. It also offers student loan solutions, including online student loan management accounts for educators. The company markets its products through its sales force of full-time exclusive agents to K-12 teachers, administrators, and other employees of public schools and their families. Horace Mann Educators Corporation was founded in 1945 and is headquartered in Springfield, Illinois.

General Outlook

In simple terms, Horace Mann Educators Corporation has 40.835 M shares that people are buying and selling right now. When we look at how much money they make before expenses, they keep 1.000% as profit. This shows they're good at controlling costs and are financially stable. Their operating profit, which is money made from regular business activities, is 0.199%. This means they run their business efficiently. Lastly, after paying all their bills, they still have a profit of 0.030%. This tells us they're good at keeping money after all costs.

Return on Investments

The company's asset efficiency, represented by a robust 0.004% return, is a testament to Horace Mann Educators Corporation's adeptness in optimizing resource deployment. Horace Mann Educators Corporation's utilization of its assets to generate profits is strikingly evident through a noteworthy return on equity of 0.040%. Furthermore, the proficiency of Horace Mann Educators Corporation in capital utilization is underscored by a remarkable 0.022% return on capital employed.

Stock Prices

Horace Mann Educators Corporation's stock prices have been subject to undulating patterns. The peak stock value during this interval surged to $36.96, while its low point bottomed out at $36.27. This variance in figures offers investors a lucid insight into the roller-coaster ride that is Horace Mann Educators Corporation's stock market.

Liquidity Ratios

Analyzing HMN liquidity ratios reveals its financial health of the firm. The current ratio of -43.35% gauges short-term asset coverage for liabilities. The quick ratio (-42.00%) assesses immediate liquidity, while the cash ratio (-1.55%) indicates cash reserves.

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Current Ratio-43.35%
Quick Ratio-42.00%
Cash Ratio-1.55%

Profitability Ratios

HMN profitability indicators offer a lens into its earnings landscape. A pretax profit margin of 3.57% underscores its earnings before tax deductions. The effective tax rate stands at 15.57%, revealing its tax efficiency. The net income per EBT, 84.43%, and the EBT per EBIT, 17.95%, provide insights into its earnings hierarchy. Lastly, with an EBIT per revenue ratio of 19.90%, we grasp its operational profitability.

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Pretax Profit Margin3.57%
Effective Tax Rate15.57%
Net Income per EBT84.43%
EBT per EBIT17.95%
EBIT per Revenue19.90%

Operational Efficiency

Operational metrics shed light on its business agility. With an operating cycle of -0.43, it details the span from stock purchase to revenue.

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Days of Sales Outstanding-42
Receivables Turnover3.10
Fixed Asset Turnover21.75
Asset Turnover0.13

Cash Flow Ratios

Peering into the cash flow metrics reveals liquidity and operational efficiency. The operating cash flow per share, 7.28, and free cash flow per share, 7.28, depict cash generation on a per-share basis. The cash per share value, 7.80, showcases liquidity position. A payout ratio of 1.20 highlights the portion of earnings distributed as dividends. Lastly, the operating cash flow sales ratio, 0.20, offers insight into cash flow relative to sales.

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Operating Cash Flow per Share7.28
Free Cash Flow per Share7.28
Cash per Share7.80
Payout Ratio1.20
Operating Cash Flow Sales Ratio0.20
Free Cash Flow to Operating Cash Flow Ratio1.00
Cash Flow Coverage Ratio0.55
Dividend Paid and Capex Coverage Ratio5.60
Dividend Payout Ratio0.04

Debt and Leverage Ratios

Diving into debt and leverage metrics unveils the company's financial structure. The debt ratio, at 4.68%, highlights its total liabilities relative to assets. With a debt-equity ratio of 0.46, we discern the balance between debt and equity financing. The long-term debt to capitalization, 31.72%, and total debt to capitalization, 31.72%, ratios shed light on its capital structure. An interest coverage of 10.00 indicates its ability to manage interest expenses.

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Debt Ratio4.68%
Debt Equity Ratio0.46
Long Term Debt to Capitalization31.72%
Total Debt to Capitalization31.72%
Interest Coverage10.00
Cash Flow to Debt Ratio0.55
Company Equity Multiplier9.93

Per Share Data

Speaking about the per share data offers a perceptive view of financial distribution. The revenue per share, 36.12, provides a glimpse into top-line earnings distributed across each share. Net income per share, 1.09, reflects the portion of profit attributed to each share. The book value per share, 28.46, represents the net asset value distributed per share, while the tangible book value per share, 23.34, excludes intangible assets.

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Revenue Per Share36.12
Net Income Per Share1.09
Book Value Per Share28.46
Tangible Book Value Per Share23.34
Shareholders Equity Per Share28.46
Interest Debt Per Share13.94
Capex Per Share4.01

Growth Ratios

Delving into growth metrics provides a snapshot of financial expansion. The revenue growth rate, 7.98%, indicates top-line expansion, while the gross profit growth, 7.98%, reveals profitability trends. EBIT growth, 5680.33%, and operating income growth, 5680.33%, offer insights into operational profitability progression. The net income growth, 127.27%, showcases bottom-line expansion, and the EPS growth, 131.91%, measures the growth in earnings per share.

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Revenue Growth7.98%
Gross Profit Growth7.98%
EBIT Growth5680.33%
Operating Income Growth5680.33%
Net Income Growth127.27%
EPS Growth131.91%
EPS Diluted Growth131.91%
Weighted Average Shares Growth-0.96%
Weighted Average Shares Diluted Growth-0.96%
Dividends per Share Growth153.57%
Operating Cash Flow Growth-38.31%
Free Cash Flow Growth-48.94%
10-Year Revenue Growth per Share41.57%
5-Year Revenue Growth per Share26.71%
3-Year Revenue Growth per Share15.50%
10-Year Operating CF Growth per Share-49.73%
5-Year Operating CF Growth per Share53199.04%
3-Year Operating CF Growth per Share-58.69%
10-Year Net Income Growth per Share-60.29%
5-Year Net Income Growth per Share148.87%
3-Year Net Income Growth per Share-65.75%
10-Year Shareholders Equity Growth per Share4.62%
5-Year Shareholders Equity Growth per Share-7.83%
3-Year Shareholders Equity Growth per Share-33.39%
10-Year Dividend per Share Growth per Share297.13%
5-Year Dividend per Share Growth per Share186.35%
3-Year Dividend per Share Growth per Share170.08%
Receivables Growth-100.00%
Inventory Growth100.00%
Asset Growth5.52%
Book Value per Share Growth8.04%
Debt Growth9.64%
SGA Expenses Growth-100.00%

Other Metrics

Venturing into other key metrics unveils diverse facets of financial performance. The enterprise value, 1,866,810,000, captures the company's total value, considering both debt and equity. Income quality, 6.71, assesses the reliability of reported earnings. The ratio of intangibles to total assets, 1.81%, indicates the value of non-physical assets, and capex to operating cash flow, 54.88%, measures reinvestment capability.

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Enterprise Value1,866,810,000
Income Quality6.71
Intangibles to Total Assets1.81%
Capex to Operating Cash Flow54.88%
Capex to Revenue11.11%
Capex to Depreciation632.82%
Stock-Based Compensation to Revenue0.64%
Graham Number26.41
Return on Tangible Assets0.39%
Graham Net Net-250.20
Working Capital2,745,100,000
Tangible Asset Value964,100,000
Net Current Asset Value-9,670,900,000
Average Receivables493,350,000
Average Inventory-913,750,000
Days Sales Outstanding118
ROIC51.88%
ROE0.04%

Valuation Ratios

Exploring the valuation ratios offers insights into perceived market value. The price to book value ratio, 1.25, and the price to book ratio, 1.25, reflect the market's valuation relative to the company's book value. The price to sales ratio, 0.97, provides a perspective on valuation in relation to sales. Ratios like price to free cash flows, 4.79, and price to operating cash flows, 4.86, gauge market valuation against cash flow metrics.

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Price Book Value Ratio1.25
Price to Book Ratio1.25
Price to Sales Ratio0.97
Price Cash Flow Ratio4.86
Price Earnings to Growth Ratio0.90
Enterprise Value Multiple15.04
Price Fair Value1.25
Price to Operating Cash Flow Ratio4.86
Price to Free Cash Flows Ratio4.79
Price to Tangible Book Ratio1.15
Enterprise Value to Sales1.25
Enterprise Value Over EBITDA71.25
EV to Operating Cash Flow6.18
Earnings Yield3.33%
Free Cash Flow Yield34.65%
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Frequently Asked Question

How many company shares are outstanding in 2024?

There are stock number shares outstanding of Horace Mann Educators Corporation (HMN) on the NYSE in 2024.

What is P/E ratio of enterprise in 2024?

The current P/E ratio of enterprise is 32.647 in 2024.

What is the ticker symbol of Horace Mann Educators Corporation stock?

The ticker symbol of Horace Mann Educators Corporation stock is HMN.

What is company IPO date?

IPO date of Horace Mann Educators Corporation is 1991-11-15.

What is company current share price?

Current share price is 36.620 USD.

What is stock market cap today?

The market cap of stock today is 1495388686.000.

What is PEG ratio in 2024?

The current 0.898 is 0.898 in 2024.

What is the number of employees in 2024?

In 2024 the company has 1700.