Horace Mann Educators Corporation (FRA:HM9)

Horace Mann Educators Statistics

Total Valuation

FRA:HM9 has a market cap or net worth of EUR 1.49 billion. The enterprise value is 1.97 billion.

Market Cap	1.49B
Enterprise Value	1.97B

Important Dates

The last earnings date was Tuesday, February 3, 2026.

Earnings Date	Feb 3, 2026
Ex-Dividend Date	Dec 15, 2025

Share Statistics

Current Share Class	40.68M
Shares Outstanding	n/a
Shares Change (YoY)	+0.24%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	0.52%
Owned by Institutions (%)	101.34%
Float	40.45M

Valuation Ratios

The trailing PE ratio is 10.79 and the forward PE ratio is 9.52.

PE Ratio	10.79
Forward PE	9.52
PS Ratio	1.03
PB Ratio	1.18
P/TBV Ratio	1.36
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	14.27
EV / Sales	1.36
EV / EBITDA	8.54
EV / EBIT	9.49
EV / FCF	n/a

Financial Position

The company has a current ratio of 3.48, with a Debt / Equity ratio of 0.40.

Current Ratio	3.48
Quick Ratio	0.51
Debt / Equity	0.40
Debt / EBITDA	2.18
Debt / FCF	n/a
Interest Coverage	6.72

Financial Efficiency

Return on equity (ROE) is 11.70% and return on invested capital (ROIC) is 9.04%.

Return on Equity (ROE)	11.70%
Return on Assets (ROA)	1.03%
Return on Invested Capital (ROIC)	9.04%
Return on Capital Employed (ROCE)	1.71%
Weighted Average Cost of Capital (WACC)	n/a
Revenue Per Employee	828,047
Profits Per Employee	78,892
Employee Count	1,750
Asset Turnover	0.11
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:HM9 has paid 33.30 million in taxes.

Income Tax	33.30M
Effective Tax Rate	19.43%

Stock Price Statistics

The stock price has decreased by -8.59% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-8.59%
50-Day Moving Average	37.12
200-Day Moving Average	37.45
Relative Strength Index (RSI)	49.10
Average Volume (20 Days)	1

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	2.72

Income Statement

In the last 12 months, FRA:HM9 had revenue of EUR 1.45 billion and earned 138.06 million in profits. Earnings per share was 3.32.

Revenue	1.45B
Gross Profit	552.33M
Operating Income	208.41M
Pretax Income	171.36M
Net Income	138.06M
EBITDA	231.58M
EBIT	208.41M
Earnings Per Share (EPS)	3.32

Balance Sheet

The company has 403.45 million in cash and 505.40 million in debt, with a net cash position of -483.08 million.

Cash & Cash Equivalents	403.45M
Total Debt	505.40M
Net Cash	-483.08M
Net Cash Per Share	n/a
Equity (Book Value)	1.26B
Book Value Per Share	31.03
Working Capital	1.98B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross margin is 38.12%, with operating and profit margins of 14.38% and 9.53%.

Gross Margin	38.12%
Operating Margin	14.38%
Pretax Margin	11.83%
Profit Margin	9.53%
EBITDA Margin	15.98%
EBIT Margin	14.38%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 1.22, which amounts to a dividend yield of 3.37%.

Dividend Per Share	1.22
Dividend Yield	3.37%
Dividend Growth (YoY)	-2.74%
Years of Dividend Growth	n/a
Payout Ratio	36.74%
Buyback Yield	-0.24%
Shareholder Yield	3.13%
Earnings Yield	9.27%
FCF Yield	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	5