NYSE
HMN
Last Price
US $52.62
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
Horace Mann Educators Corporation cash flow to debt ratio of 93.23% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.
Financial stability - Healthy cash flow growth.
Horace Mann Educators Corporation's free cash flow has increased 22.36% from $452.10M last year to $553.20M, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
Horace Mann Educators Corporation's debt to equity ratio is 0.40, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
Horace Mann Educators Corporation's debt has decreased relative to shareholder equity from 0.42 last year to 0.40 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
Horace Mann Educators Corporation has a net debt to EBITDA ratio of 2.14x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
Horace Mann Educators Corporation's interest coverage ratio of 5.51 indicates that earnings with good margin can cover interest payments on company debt
Financial stability - Profit margin growth.
Horace Mann Educators Corporation's profit margin has increased (50.25%) in the last year from 6.63% to 9.96%, signaling increasing performance
Financial stability - Short term assets vs short term liabilities.
Horace Mann Educators Corporation's short-term assets of $0.00 exceed its short-term liabilities of $0.00
Decreasing performance - ROA.
Horace Mann Educators Corporation's return on assets of 1.10% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Horace Mann Educators Corporation's return on equity of 11.48%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
Horace Mann Educators Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
Horace Mann Educators Corporation had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Horace Mann Educators Corporation has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Horace Mann Educators Corporation has a free cash flow yield of 26.55%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Horace Mann Educators Corporation's yearly earnings has increased 57.68% since last year from $102.80M to $162.10M, signaling increasing performance
Increasing performance - Healthy revenue growth.
Horace Mann Educators Corporation's yearly revenue has increased 9.74% since last year from $1.55G to $1.70G, signaling increasing performance
Decreasing performance - ROIC.
ROIC 1.84% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
Horace Mann Educators Corporation's 3-year revenue CAGR of 6.61% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Horace Mann Educators Corporation had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Horace Mann Educators Corporation had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
Horace Mann Educators Corporation has insufficient data to evaluate this check.
Undervalued - Earnings yield.
Horace Mann Educators Corporation has an earnings yield of 7.77%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Horace Mann Educators Corporation is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Horace Mann Educators Corporation has an EV/EBITDA ratio of 9.93x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Horace Mann Educators Corporation has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
Horace Mann Educators Corporation has a price-to-book ratio of 1.45x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Horace Mann Educators Corporation has a price-to-sales ratio of 1.26x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
11.48%
Return on equity
ROIC: 1.84%
Valuation History
12.9X
Price to Earnings
EV/EBITDA: 9.9X
Cash flow
Profit margin
5.96%
(FY vs FY)
Cash flow Y/Y
16.32%
(FY vs FY)
Fair Value
Market $52.62
-10.28%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.