Horace Financial Statements From 2010 to 2025

HMN Stock  USD 41.65  0.95  2.33%   
Horace Mann's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Horace Mann's valuation are provided below:
Gross Profit
523.2 M
Profit Margin
0.0644
Market Capitalization
1.7 B
Enterprise Value Revenue
1.4066
Revenue
1.6 B
We have found one hundred twenty available fundamental trends for Horace Mann Educators, which can be analyzed and compared to other ratios and to its competitors. Self-guided Investors are advised to confirm Horace Mann's regular fundamentals against the trend between 2010 and 2025 to make sure the company can sustain itself down the road. As of the 28th of April 2025, Market Cap is likely to drop to about 924.4 M. In addition to that, Enterprise Value is likely to drop to about 1.1 B

Horace Mann Total Revenue

1.06 Billion

Check Horace Mann financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Horace Mann's main balance sheet or income statement drivers, such as Interest Expense of 37.3 M, Selling General Administrative of 173.5 M or Total Revenue of 1.1 B, as well as many indicators such as Price To Sales Ratio of 0.86, Dividend Yield of 0.0779 or PTB Ratio of 1.58. Horace financial statements analysis is a perfect complement when working with Horace Mann Valuation or Volatility modules.
  
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Check out the analysis of Horace Mann Correlation against competitors.

Horace Mann Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total AssetsB14.5 B10.6 B
Slightly volatile
Short and Long Term Debt Total317.3 M547 M441.2 M
Slightly volatile
Total Stockholder Equity919.2 M1.3 B1.2 B
Slightly volatile
Net Debt254.6 M508.9 M327.1 M
Slightly volatile
Other Assets9.3 B8.9 BB
Pretty Stable
Common Stock Shares Outstanding36.1 M41.5 M39.4 M
Slightly volatile
Liabilities And Stockholders EquityB14.5 B10.6 B
Slightly volatile
Non Current Liabilities Total519.6 M547 M5.6 B
Very volatile
Total Liabilities7.1 B13.2 B9.4 B
Slightly volatile
Intangible Assets151 M155.8 M195 M
Pretty Stable
Non Current Assets Total199.6 M210.1 M4.9 B
Pretty Stable
Net Receivables390.4 M424.8 M425.3 M
Slightly volatile
Total Current Assets5.7 B5.4 B1.1 B
Slightly volatile
Cash23.9 M38.1 M27 M
Slightly volatile
Cash And Short Term Investments3.4 B5.4 B5.7 B
Pretty Stable
Common Stock Total Equity68.4 K115 K72.3 K
Slightly volatile
Common Stock72.7 K115 K72.6 K
Slightly volatile
Short Term Investments4.7 B5.4 B6.2 B
Pretty Stable
Other Liabilities12.1 B11.5 B7.2 B
Slightly volatile
Long Term Debt574.4 M547 M297.6 M
Slightly volatile
Good Will52.8 M62.4 M49.3 M
Slightly volatile
Property Plant Equipment97.7 M93 M55.7 M
Slightly volatile
Net Tangible Assets1.4 B1.2 B1.3 B
Slightly volatile
Retained Earnings Total Equity1.3 B1.8 B1.2 B
Slightly volatile
Long Term Debt Total297.3 M572.7 M300.7 M
Slightly volatile
Capital Surpluse493.9 M578 M458.5 M
Slightly volatile
Long Term Investments7.8 B6.8 B7.1 B
Slightly volatile
Non Current Liabilities Other9.1 B13.9 BB
Slightly volatile
Property Plant And Equipment Net56.6 M73.4 M49.9 M
Slightly volatile
Property Plant And Equipment Gross44.7 M74.4 M47 M
Slightly volatile
Net Invested Capital1.5 B1.8 B1.8 B
Very volatile
Capital Stock94 K115 K77.2 K
Slightly volatile

Horace Mann Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Interest Expense37.3 M34.6 M26.1 M
Pretty Stable
Total Revenue1.1 B1.6 B1.2 B
Slightly volatile
Gross Profit1.1 B1.6 B1.2 B
Slightly volatile
Other Operating Expenses850.2 M1.4 BB
Slightly volatile
Operating Income152.6 M128.6 M136.1 M
Pretty Stable
EBIT238 M163.2 M360.5 M
Pretty Stable
EBITDA248.9 M189.6 M370.3 M
Pretty Stable
Income Before Tax95.3 M128.6 M130.9 M
Slightly volatile
Net Income78.7 M102.8 M93.2 M
Pretty Stable
Selling And Marketing Expenses57.9 K73.6 K63.1 K
Slightly volatile
Interest Income15.7 M22.3 M14.8 M
Slightly volatile
Extraordinary Items2.4 M2.5 M50.9 M
Slightly volatile
Reconciled Depreciation22.3 M26.4 M17.8 M
Slightly volatile

Horace Mann Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Begin Period Cash Flow18.2 M29.7 M24.3 M
Slightly volatile
Total Cash From Operating Activities191.2 M96.6 M195.6 M
Pretty Stable
End Period Cash Flow40 M38.1 M27.6 M
Slightly volatile
Dividends Paid126.2 M120.2 M50 M
Slightly volatile
Stock Based Compensation8.1 M9.9 M6.8 M
Slightly volatile
Change To Operating Activities83.2 M67.7 M107.2 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio0.861.0451.0822
Slightly volatile
Dividend Yield0.07790.07420.0344
Slightly volatile
PTB Ratio1.581.25841.1065
Slightly volatile
Days Sales Outstanding24.1138.9740.2979
Very volatile
Book Value Per Share15.9831.174330.1884
Pretty Stable
Free Cash Flow Yield0.05660.05960.2426
Slightly volatile
Operating Cash Flow Per Share3.412.3395.26
Slightly volatile
Stock Based Compensation To Revenue0.00690.00640.0068
Slightly volatile
PB Ratio1.581.25841.1065
Slightly volatile
EV To Sales1.051.37331.3596
Slightly volatile
Free Cash Flow Per Share3.412.3395.2601
Slightly volatile
Net Income Per Share1.342.48912.2533
Very volatile
Sales General And Administrative To Revenue0.280.160.176
Pretty Stable
Cash Per Share138131152
Pretty Stable
POCF Ratio17.6116.77229.6281
Slightly volatile
Interest Coverage3.533.71688.109
Pretty Stable
Payout Ratio1.231.16930.7651
Slightly volatile
PFCF Ratio17.6116.77229.6279
Slightly volatile
Income Quality0.890.93977.4317
Slightly volatile
ROE0.09760.07980.0715
Very volatile
EV To Operating Cash Flow23.1422.040412.041
Slightly volatile
PE Ratio15.9815.760723.8565
Pretty Stable
Return On Tangible Assets0.01180.00720.0089
Very volatile
EV To Free Cash Flow23.1422.040412.0408
Slightly volatile
Earnings Yield0.05540.06340.0702
Slightly volatile
Intangibles To Total Assets0.0210.01450.0145
Pretty Stable
Net Debt To EBITDA2.32.68412.9858
Slightly volatile
Current Ratio0.190.16950.166
Slightly volatile
Receivables Turnover15.289.699.6247
Very volatile
Graham Number21.7441.784138.0601
Very volatile
Shareholders Equity Per Share15.9531.174330.2202
Pretty Stable
Debt To Equity0.480.42490.5855
Slightly volatile
Revenue Per Share19.1837.5431.6296
Pretty Stable
Interest Debt Per Share14.7914.082312.3318
Pretty Stable
Debt To Assets0.04090.03780.0385
Pretty Stable
Enterprise Value Over EBITDA19.211.229417.5008
Pretty Stable
Short Term Coverage Ratios0.750.795.144
Slightly volatile
Price Earnings Ratio15.9815.760723.8565
Pretty Stable
Operating Cycle24.1138.9740.2979
Very volatile
Price Book Value Ratio1.581.25841.1065
Slightly volatile
Dividend Payout Ratio1.231.16930.7651
Slightly volatile
Price To Operating Cash Flows Ratio17.6116.77229.6281
Slightly volatile
Price To Free Cash Flows Ratio17.6116.77229.6279
Slightly volatile
Pretax Profit Margin0.110.08290.0941
Pretty Stable
Ebt Per Ebit0.490.810.8013
Pretty Stable
Operating Profit Margin0.07880.08290.1125
Slightly volatile
Company Equity Multiplier10.5811.252710.3669
Pretty Stable
Long Term Debt To Capitalization0.240.29820.2226
Pretty Stable
Total Debt To Capitalization0.280.29820.2515
Pretty Stable
Return On Capital Employed0.00840.00890.0198
Slightly volatile
Debt Equity Ratio0.480.42490.5855
Slightly volatile
Ebit Per Revenue0.07880.08290.1125
Slightly volatile
Quick Ratio0.190.16950.166
Slightly volatile
Dividend Paid And Capex Coverage Ratio0.760.80376.1987
Slightly volatile
Net Income Per E B T0.760.79940.8843
Pretty Stable
Cash Ratio0.10.150.1579
Slightly volatile
Cash Conversion Cycle24.1138.9740.2979
Very volatile
Operating Cash Flow Sales Ratio0.05920.06230.1546
Slightly volatile
Days Of Sales Outstanding24.1138.9740.2979
Very volatile
Free Cash Flow Operating Cash Flow Ratio0.80.90.9814
Slightly volatile
Cash Flow Coverage Ratios0.170.17660.5405
Slightly volatile
Price To Book Ratio1.581.25841.1065
Slightly volatile
Fixed Asset Turnover30.5525.0127.0899
Slightly volatile
Price Cash Flow Ratio17.6116.77229.6281
Slightly volatile
Enterprise Value Multiple19.211.229417.5008
Pretty Stable
Debt Ratio0.04090.03780.0385
Pretty Stable
Cash Flow To Debt Ratio0.170.17660.5405
Slightly volatile
Price Sales Ratio0.861.0451.0822
Slightly volatile
Return On Assets0.01160.00710.0088
Very volatile
Asset Turnover0.170.1070.1218
Slightly volatile
Net Profit Margin0.05780.06630.0769
Very volatile
Gross Profit Margin0.80.931.0066
Slightly volatile
Price Fair Value1.581.25841.1065
Slightly volatile
Return On Equity0.09760.07980.0715
Very volatile

Horace Mann Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap924.4 M1.5 B1.4 B
Slightly volatile
Enterprise Value1.1 B1.9 B1.7 B
Slightly volatile

Horace Fundamental Market Drivers

Cash And Short Term Investments5.4 B

Horace Upcoming Events

7th of February 2024
Upcoming Quarterly Report
View
7th of May 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
7th of February 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

About Horace Mann Financial Statements

Horace Mann investors utilize fundamental indicators, such as revenue or net income, to predict how Horace Stock might perform in the future. Analyzing these trends over time helps investors make informed market timing decisions. For further insights, please visit our fundamental analysis page.
Last ReportedProjected for Next Year
Total Revenue1.6 B1.1 B
Cost Of Revenue-51.5 M-48.9 M
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.16  0.28 
Revenue Per Share 37.54  19.18 
Ebit Per Revenue 0.08  0.08 

Pair Trading with Horace Mann

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Horace Mann position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Horace Mann will appreciate offsetting losses from the drop in the long position's value.

Moving together with Horace Stock

  0.67CB ChubbPairCorr
  0.69ALL Allstate Earnings Call ShortlyPairCorr
The ability to find closely correlated positions to Horace Mann could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Horace Mann when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Horace Mann - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Horace Mann Educators to buy it.
The correlation of Horace Mann is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Horace Mann moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Horace Mann Educators moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Horace Mann can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching
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 the analysis of Horace Mann Correlation against competitors.
You can also try the Money Flow Index module to determine momentum by analyzing Money Flow Index and other technical indicators.
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
38.625
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.