Is Horace Mann Stock a Good Investment?
Horace Mann Investment Advice | HMN |
- Examine Horace Mann's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Horace Mann's leadership team and their track record. Good management can help Horace Mann navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Multi-line Insurance space and any emerging trends that could impact Horace Mann's business and its evolving consumer preferences.
- Compare Horace Mann's performance and market position to its competitors. Analyze how Horace Mann is positioned in terms of product offerings, innovation, and market share.
- Check if Horace Mann pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Horace Mann's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Horace Mann Educators stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Horace Mann Educators is a good investment.
Sell | Buy |
Strong Buy
Market Performance | Solid | Details | |
Volatility | Very steady | Details | |
Hype Condition | Under hyped | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Almost mirrors the market | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Possible Manipulator | Details |
Examine Horace Mann Stock
Researching Horace Mann's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 98.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 1.24. Some equities with similar Price to Book (P/B) outperform the market in the long run. Horace Mann Educators has Price/Earnings To Growth (PEG) ratio of 2.52. The entity last dividend was issued on the 16th of September 2024. The firm had 2:1 split on the 16th of December 1997.
To determine if Horace Mann is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Horace Mann's research are outlined below:
| Over 98.0% of the company shares are owned by institutional investors | |
| On 30th of September 2024 Horace Mann paid $ 0.34 per share dividend to its current shareholders | |
| Latest headline from investing.com: Earnings call Horace Mann Educators highlights robust Q3 2024 growth |
Horace Mann uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Horace Mann Educators. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Horace Mann's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 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 |
Earnings surprises can significantly impact Horace Mann's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Horace Mann's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2023-08-01 | 2023-06-30 | 0.02 | 0.03 | 0.01 | 50 | ||
2023-02-07 | 2022-12-31 | -0.1 | -0.11 | -0.01 | 10 | ||
2019-08-05 | 2019-06-30 | 0.14 | 0.17 | 0.03 | 21 | ||
2012-07-25 | 2012-06-30 | 0.13 | 0.16 | 0.03 | 23 | ||
1996-04-22 | 1996-03-31 | 0.3 | 0.33 | 0.03 | 10 | ||
2006-02-08 | 2005-12-31 | 0.38 | 0.34 | -0.04 | 10 | ||
2002-11-04 | 2002-09-30 | 0.24 | 0.28 | 0.04 | 16 | ||
2001-11-06 | 2001-09-30 | 0.26 | 0.22 | -0.04 | 15 |
Know Horace Mann's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Horace Mann is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Horace Mann Educators backward and forwards among themselves. Horace Mann's institutional investor refers to the entity that pools money to purchase Horace Mann's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Gw&k Investment Management, Llc | 2024-06-30 | 945.7 K | Geode Capital Management, Llc | 2024-06-30 | 931.7 K | Bank Of America Corp | 2024-06-30 | 908.3 K | Cramer Rosenthal Mcglynn Llc | 2024-06-30 | 803.9 K | Amvescap Plc. | 2024-06-30 | 563.4 K | Charles Schwab Investment Management Inc | 2024-06-30 | 552.1 K | Ameriprise Financial Inc | 2024-06-30 | 523 K | Bragg Financial Advisors Inc | 2024-06-30 | 470.9 K | Bank Of New York Mellon Corp | 2024-06-30 | 461 K | Blackrock Inc | 2024-06-30 | 5.9 M | Vanguard Group Inc | 2024-06-30 | 5 M |
Horace Mann's market capitalization trends
The company currently falls under 'Mid-Cap' category with a total capitalization of 1.74 B.Market Cap |
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Horace Mann's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Capital Employed | 0.08 | 0.07 | |
| Return On Equity | 0.04 | 0.04 |
Determining Horace Mann's profitability involves analyzing its financial statements and using various financial metrics to determine if Horace Mann is a good buy. For example, gross profit margin measures Horace Mann's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Horace Mann's profitability and make more informed investment decisions.
Evaluate Horace Mann's management efficiency
As of the 7th of November 2024, Return On Tangible Assets is likely to drop to 0. In addition to that, Return On Capital Employed is likely to drop to 0.07. At this time, Horace Mann's Fixed Asset Turnover is very stable compared to the past year. As of the 7th of November 2024, Asset Turnover is likely to grow to 0.18, while Total Assets are likely to drop about 7.7 B. Horace Mann's management efficiency ratios could be used to measure how well Horace Mann manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 28.46 | 15.71 | |
| Tangible Book Value Per Share | 23.34 | 13.54 | |
| Enterprise Value Over EBITDA | 71.25 | 74.81 | |
| Price Book Value Ratio | 1.15 | 1.58 | |
| Enterprise Value Multiple | 71.25 | 74.81 | |
| Price Fair Value | 1.15 | 1.58 | |
| Enterprise Value | 1.8 B | 1.1 B |
Horace Mann Educators has shown resilience through effective management strategies. Our analysis examines how these strategies influence financial outcomes and investor returns which helps in understanding the stock's long-term potential.
Dividend Yield 0.0346 | Forward Dividend Yield 0.0346 | Forward Dividend Rate 1.36 | Beta 0.291 |
Basic technical analysis of Horace Stock
As of the 7th of November, Horace Mann retains the Risk Adjusted Performance of 0.182, downside deviation of 1.43, and Market Risk Adjusted Performance of 0.3656. Horace Mann technical analysis makes it possible for you to employ historical prices and volume momentum with the intention to determine a pattern that calculates the direction of the firm's future prices.Horace Mann's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Horace Mann insiders, such as employees or executives, is commonly permitted as long as it does not rely on Horace Mann's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Horace Mann insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Horace Mann's Outstanding Corporate Bonds
Horace Mann issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Horace Mann Educators uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Horace bonds can be classified according to their maturity, which is the date when Horace Mann Educators has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| US440327AK00 Corp BondUS440327AK00 | View | |
| MPLX LP 52 Corp BondUS55336VAL45 | View |
Understand Horace Mann's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Horace Mann's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.182 | |||
| Market Risk Adjusted Performance | 0.3656 | |||
| Mean Deviation | 1.18 | |||
| Semi Deviation | 1.09 | |||
| Downside Deviation | 1.43 | |||
| Coefficient Of Variation | 446.08 | |||
| Standard Deviation | 1.72 | |||
| Variance | 2.95 | |||
| Information Ratio | 0.1213 | |||
| Jensen Alpha | 0.1992 | |||
| Total Risk Alpha | 0.0115 | |||
| Sortino Ratio | 0.1458 | |||
| Treynor Ratio | 0.3556 | |||
| Maximum Drawdown | 6.37 | |||
| Value At Risk | (1.68) | |||
| Potential Upside | 1.87 | |||
| Downside Variance | 2.04 | |||
| Semi Variance | 1.19 | |||
| Expected Short fall | (1.33) | |||
| Skewness | 1.54 | |||
| Kurtosis | 7.89 |
| Risk Adjusted Performance | 0.182 | |||
| Market Risk Adjusted Performance | 0.3656 | |||
| Mean Deviation | 1.18 | |||
| Semi Deviation | 1.09 | |||
| Downside Deviation | 1.43 | |||
| Coefficient Of Variation | 446.08 | |||
| Standard Deviation | 1.72 | |||
| Variance | 2.95 | |||
| Information Ratio | 0.1213 | |||
| Jensen Alpha | 0.1992 | |||
| Total Risk Alpha | 0.0115 | |||
| Sortino Ratio | 0.1458 | |||
| Treynor Ratio | 0.3556 | |||
| Maximum Drawdown | 6.37 | |||
| Value At Risk | (1.68) | |||
| Potential Upside | 1.87 | |||
| Downside Variance | 2.04 | |||
| Semi Variance | 1.19 | |||
| Expected Short fall | (1.33) | |||
| Skewness | 1.54 | |||
| Kurtosis | 7.89 |
Consider Horace Mann's intraday indicators
Horace Mann intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Horace Mann stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
| Accumulation Distribution | 25591.96 | |||
| Daily Balance Of Power | 1.872222 | |||
| Rate Of Daily Change | 1.09 | |||
| Day Median Price | 42.36 | |||
| Day Typical Price | 42.45 | |||
| Price Action Indicator | 1.97 | |||
| Period Momentum Indicator | 3.37 | |||
| Relative Strength Index | 62.45 |
Horace Mann Corporate Filings
F4 | 5th of November 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
8K | 4th of November 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
| 31st of October 2024 Other Reports | ViewVerify | |
F3 | 9th of October 2024 The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock | ViewVerify |
Horace Stock media impact
Far too much social signal, news, headlines, and media speculation about Horace Mann that are available to investors today. That information is available publicly through Horace media outlets and privately through word of mouth or via Horace internal channels. However, regardless of the origin, that massive amount of Horace data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Horace Mann news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Horace Mann relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Horace Mann's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Horace Mann alpha.
Horace Mann Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Horace Mann can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Horace Mann Educators Historical Investor Sentiment
Investor biases related to Horace Mann's public news can be used to forecast risks associated with an investment in Horace. The trend in average sentiment can be used to explain how an investor holding Horace can time the market purely based on public headlines and social activities around Horace Mann Educators. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.
Horace Mann's market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for Horace Mann and other traded tickers. The bigger the bubble, the more accurate the estimated score. Higher bars for a given day show more participation in the average Horace Mann news discussions. The higher the estimate score, the more favorable the investor's outlook on Horace Mann.
Horace Mann Corporate Directors
| Stephen Hasenmiller | Independent Director | Profile | |
| Daniel Domenech | Independent Director | Profile | |
| Steven Swyers | Independent Director | Profile | |
| Beverley McClure | Independent Director | Profile |
Check out Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in Horace Mann Educators. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in population. You can also try the Insider Screener module to find insiders across different sectors to evaluate their impact on performance.
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 1.964 | Dividend Share 1.35 | Earnings Share 2.74 | Revenue Per Share 38.477 | Quarterly Revenue Growth 0.088 |
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.
In summary, please note that there is a difference between Horace Mann's value and its price, as these two are different measures arrived at by various 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.