Horace Mann Educators Statistics
Total Valuation
HMN has a market cap or net worth of $1.92 billion. The enterprise value is $2.37 billion.
| Market Cap | 1.92B |
| Enterprise Value | 2.37B |
Important Dates
The last earnings date was Tuesday, November 3, 2026, after market close.
| Earnings Date | Nov 3, 2026 |
| Ex-Dividend Date | Sep 16, 2026 |
Share Statistics
HMN has 40.50 million shares outstanding. The number of shares has decreased by -2.60% in one year.
| Current Share Class | 40.50M |
| Shares Outstanding | 40.50M |
| Shares Change (YoY) | -2.60% |
| Shares Change (QoQ) | -1.71% |
| Owned by Insiders (%) | 0.54% |
| Owned by Institutions (%) | 105.14% |
| Float | 40.27M |
Valuation Ratios
The trailing PE ratio is 10.83 and the forward PE ratio is 9.83.
| PE Ratio | 10.83 |
| Forward PE | 9.83 |
| PS Ratio | 1.10 |
| Forward PS | 1.00 |
| PB Ratio | 1.35 |
| P/TBV Ratio | 1.56 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | 3.40 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 13.35 |
| EV / Sales | 1.36 |
| EV / EBITDA | 8.38 |
| EV / EBIT | 9.25 |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 3.41, with a Debt / Equity ratio of 0.42.
| Current Ratio | 3.41 |
| Quick Ratio | 0.54 |
| Debt / Equity | 0.42 |
| Debt / EBITDA | 2.10 |
| Debt / FCF | n/a |
| Interest Coverage | 6.62 |
Financial Efficiency
Return on equity (ROE) is 12.40% and return on invested capital (ROIC) is 10.17%.
| Return on Equity (ROE) | 12.40% |
| Return on Assets (ROA) | 1.04% |
| Return on Invested Capital (ROIC) | 10.17% |
| Return on Capital Employed (ROCE) | 1.77% |
| Weighted Average Cost of Capital (WACC) | 4.91% |
| Revenue Per Employee | $970,444 |
| Profits Per Employee | $98,611 |
| Employee Count | 1,800 |
| Asset Turnover | 0.11 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, HMN has paid $40.00 million in taxes.
| Income Tax | 40.00M |
| Effective Tax Rate | 18.39% |
Stock Price Statistics
The stock price has increased by +6.17% in the last 52 weeks. The beta is 0.10, so HMN's price volatility has been lower than the market average.
| Beta (5Y) | 0.10 |
| 52-Week Price Change | +6.17% |
| 50-Day Moving Average | 47.60 |
| 200-Day Moving Average | 46.94 |
| Relative Strength Index (RSI) | 56.11 |
| Average Volume (20 Days) | 266,154 |
Short Selling Information
The latest short interest is 1.03 million, so 2.55% of the outstanding shares have been sold short.
| Short Interest | 1.03M |
| Short Previous Month | 1.12M |
| Short % of Shares Out | 2.55% |
| Short % of Float | 2.56% |
| Short Ratio (days to cover) | 2.92 |
Income Statement
In the last 12 months, HMN had revenue of $1.75 billion and earned $177.50 million in profits. Earnings per share was $4.38.
| Revenue | 1.75B |
| Gross Profit | 697.10M |
| Operating Income | 256.20M |
| Pretax Income | 217.50M |
| Net Income | 177.50M |
| EBITDA | 283.00M |
| EBIT | 256.20M |
| Earnings Per Share (EPS) | $4.38 |
Balance Sheet
The company has $513.20 million in cash and $594.60 million in debt, with a net cash position of -$447.70 million or -$11.05 per share.
| Cash & Cash Equivalents | 513.20M |
| Total Debt | 594.60M |
| Net Cash | -447.70M |
| Net Cash Per Share | -$11.05 |
| Equity (Book Value) | 1.42B |
| Book Value Per Share | 35.10 |
| Working Capital | 2.30B |
Cash Flow
| Operating Cash Flow | 566.10M |
| Capital Expenditures | n/a |
| Depreciation & Amortization | n/a |
| Net Borrowing | -773.30M |
| Free Cash Flow | n/a |
| FCF Per Share | n/a |
Margins
Gross margin is 39.91%, with operating and profit margins of 14.67% and 10.16%.
| Gross Margin | 39.91% |
| Operating Margin | 14.67% |
| Pretax Margin | 12.45% |
| Profit Margin | 10.16% |
| EBITDA Margin | 16.20% |
| EBIT Margin | 14.67% |
| FCF Margin | n/a |
Dividends & Yields
This stock pays an annual dividend of $1.44, which amounts to a dividend yield of 3.03%.
| Dividend Per Share | $1.44 |
| Dividend Yield | 3.03% |
| Dividend Growth (YoY) | 2.88% |
| Years of Dividend Growth | 16 |
| Payout Ratio | 33.63% |
| FCF Payout Ratio | n/a |
| Buyback Yield | 2.60% |
| Shareholder Yield | 5.63% |
| Earnings Yield | 9.23% |
| FCF Yield | n/a |
Analyst Forecast
The average price target for HMN is $56.50, which is 19.02% higher than the current price. The consensus rating is "Buy".
| Price Target | $56.50 |
| Price Target Difference | 19.02% |
| Analyst Consensus | Buy |
| Analyst Count | 3 |
| Revenue Growth Forecast (3Y) | 8.33% |
| EPS Growth Forecast (3Y) | 6.69% |
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
The last stock split was on December 16, 1997. It was a forward split with a ratio of 2:1.
| Last Split Date | Dec 16, 1997 |
| Split Type | Forward |
| Split Ratio | 2:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 7 |