Horace Mann Educators Stock Analysis

HMN Stock  USD 42.64  3.37  8.58%   
Horace Mann Educators is overvalued with Real Value of 39.25 and Target Price of 31.0. The main objective of Horace Mann stock analysis is to determine its intrinsic value, which is an estimate of what Horace Mann Educators is worth, separate from its market price. There are two main types of Horace Mann's stock analysis: fundamental analysis and technical analysis.
The Horace Mann stock is traded in the USA on New York Stock Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Horace Mann is usually not traded on Memorial Day, Juneteenth Holiday, Independence Day, Labour Day, Thanksgiving Day, Christmas Day, New Year 's Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday. Horace Stock trading window is adjusted to America/New York timezone.
  
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.

Horace Stock Analysis Notes

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. Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. Horace Mann Educators Corporation was founded in 1945 and is headquartered in Springfield, Illinois. Horace Mann operates under InsuranceProperty Casualty classification in the United States and is traded on New York Stock Exchange. It employs 1450 people. To learn more about Horace Mann Educators call Marita Zuraitis at 217 789 2500 or check out https://www.horacemann.com.

Horace Mann Quarterly Total Revenue

412.1 Million

Horace Mann Educators Investment Alerts

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 Educators Upcoming and Recent Events

Earnings reports are used by Horace Mann to provide an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period..
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

Horace Largest EPS Surprises

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.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2023-08-01
2023-06-300.020.030.0150 
2023-02-07
2022-12-31-0.1-0.11-0.0110 
2019-08-05
2019-06-300.140.170.0321 
View All Earnings Estimates

Horace Mann Environmental, Social, and Governance (ESG) Scores

Horace Mann's ESG score is a quantitative measure that evaluates Horace Mann's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Horace Mann's operations that may have significant financial implications and affect Horace Mann's stock price as well as guide investors towards more socially responsible investments.

Horace Mann Thematic Classifications

In addition to having Horace Mann stock in your portfolios, you can add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your favorite investment opportunity, you can then obtain an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility. If you are a result-oriented investor, you can benefit from optimizing one of our existing themes to build an efficient portfolio against your specific investing outlook.
Insurance Idea
Insurance
USA Equities from Insurance industry as classified by Fama & French

Horace Stock Institutional Investors

Shares
Gw&k Investment Management, Llc2024-06-30
945.7 K
Geode Capital Management, Llc2024-06-30
931.7 K
Bank Of America Corp2024-06-30
908.3 K
Cramer Rosenthal Mcglynn Llc2024-06-30
803.9 K
Amvescap Plc.2024-06-30
563.4 K
Charles Schwab Investment Management Inc2024-06-30
552.1 K
Ameriprise Financial Inc2024-06-30
523 K
Bragg Financial Advisors Inc2024-06-30
470.9 K
Bank Of New York Mellon Corp2024-06-30
461 K
Blackrock Inc2024-06-30
5.9 M
Vanguard Group Inc2024-06-30
M
Note, although Horace Mann's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Horace Market Capitalization

The company currently falls under 'Mid-Cap' category with a total capitalization of 1.74 B.

Horace Profitablity

The company has Net Profit Margin of 0.07 %, which implies that it may need a different competitive strategy as even a very small decline in it revenue may erase profits and result in a net loss. This is way below average. In the same way, it shows Net Operating Margin of 0.12 %, which entails that for every 100 dollars of revenue, it generated $0.12 of operating income.
Last ReportedProjected for Next Year
Return On Capital Employed 0.08  0.07 
Return On Equity 0.04  0.04 

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 ReportedProjected 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 Value1.8 B1.1 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
Operating Margin
0.1247
Profit Margin
0.0655
Forward Dividend Yield
0.0346
Beta
0.291

Technical Drivers

As of the 7th of November, Horace Mann retains the Risk Adjusted Performance of 0.182, market risk adjusted performance of 0.3656, and Downside Deviation of 1.43. 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 Educators Price Movement Analysis

Execute Study
The output start index for this execution was thirteen with a total number of output elements of fourty-eight. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. Horace Mann middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Horace Mann Educators. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.

Horace Mann Educators 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 Outstanding 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.

Horace Mann Predictive Daily 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.

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
F4
21st of October 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
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
8K
23rd of September 2024
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
7th of August 2024
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
8K
25th of July 2024
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify

Horace Mann Forecast Models

Horace Mann's time-series forecasting models are one of many Horace Mann's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Horace Mann's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About Horace Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Horace Mann prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Horace shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Horace Mann. By using and applying Horace Stock analysis, traders can create a robust methodology for identifying Horace entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.04  0.03 
Operating Profit Margin 0.71  0.74 
Net Profit Margin 0.03  0.06 
Gross Profit Margin 0.90  0.79 

Current Horace Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Horace analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Horace analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
31.0Buy4Odds
Horace Mann Educators current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Horace analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Horace stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Horace Mann Educators, talking to its executives and customers, or listening to Horace conference calls.
Horace Analyst Advice Details

Horace Stock Analysis Indicators

Horace Mann Educators stock analysis indicators help investors evaluate how Horace Mann stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Horace Mann shares will generate the highest return on investment. By understating and applying Horace Mann stock analysis, traders can identify Horace Mann position entry and exit signals to maximize returns.
Begin Period Cash Flow42.8 M
Long Term Debt546 M
Common Stock Shares Outstanding41.3 M
Total Stockholder Equity1.2 B
Tax Provision8.3 M
Quarterly Earnings Growth Y O Y1.964
Property Plant And Equipment Net68.6 M
Cash And Short Term Investments551.9 M
Cash29.7 M
Net Debt516.3 M
50 Day M A35.6346
Total Current Liabilities-1.9 B
Other Operating Expenses-1.4 B
Non Current Assets Total10.8 B
Non Currrent Assets Other9.3 B
Stock Based Compensation9.5 M
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 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 Portfolio Suggestion module to get suggestions outside of your existing asset allocation including your own model portfolios.
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.
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.