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Overview
Profile
Horace Mann Educators Stock

Horace Mann Educators Stock HMN

HMN
US4403271046
882987

Price

41.31
Today +/-
-0.00
Today %
-0.01 %

Horace Mann Educators stock price

%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the Horace Mann Educators stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Horace Mann Educators stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Horace Mann Educators stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Horace Mann Educators's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Horace Mann Educators Stock Price History

DateHorace Mann Educators Price
7/18/202541.31 undefined
7/17/202541.32 undefined
7/16/202540.70 undefined
7/15/202540.37 undefined
7/14/202541.00 undefined
7/11/202540.68 undefined
7/10/202540.59 undefined
7/9/202540.86 undefined
7/8/202541.52 undefined
7/7/202541.85 undefined
7/3/202542.62 undefined
7/2/202541.94 undefined
7/1/202543.29 undefined
6/30/202542.99 undefined
6/27/202542.91 undefined
6/26/202542.77 undefined
6/25/202542.23 undefined
6/24/202542.88 undefined
6/23/202543.22 undefined
6/20/202542.16 undefined

Horace Mann Educators Revenue, EBIT, Net Income

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  • 25 Years

  • Max

Revenue
EBIT
Net Income
Details

Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into Horace Mann Educators, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Horace Mann Educators from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Horace Mann Educators’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Horace Mann Educators. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Horace Mann Educators’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Horace Mann Educators’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Horace Mann Educators’s growth potential.

Horace Mann Educators Revenue, EBIT and net profit per share

DateHorace Mann Educators RevenueHorace Mann Educators EBITHorace Mann Educators Net Income
2027e1.86 B undefined0 undefined209.37 M undefined
2026e1.82 B undefined0 undefined184.96 M undefined
2025e1.72 B undefined161.5 M undefined166.92 M undefined
20241.59 B undefined155.7 M undefined102.8 M undefined
20231.49 B undefined82.2 M undefined45 M undefined
20221.39 B undefined23 M undefined-2.6 M undefined
20211.34 B undefined199.2 M undefined142.8 M undefined
20201.32 B undefined190.1 M undefined133.3 M undefined
20191.43 B undefined281.4 M undefined184.4 M undefined
20181.19 B undefined34 M undefined18.3 M undefined
20171.18 B undefined113.2 M undefined169.5 M undefined
20161.14 B undefined137.1 M undefined83.8 M undefined
20151.1 B undefined164.4 M undefined93.5 M undefined
20141.07 B undefined166.7 M undefined104.2 M undefined
20131.03 B undefined169.8 M undefined110.9 M undefined
2012983.5 M undefined136.1 M undefined103.9 M undefined
2011960.6 M undefined71.2 M undefined70.5 M undefined
2010950.9 M undefined100.3 M undefined80.1 M undefined
2009911.1 M undefined91.2 M undefined73.5 M undefined
2008898.7 M undefined78.5 M undefined10.9 M undefined
2007890.4 M undefined134.5 M undefined82.8 M undefined
2006875 M undefined142.5 M undefined98.7 M undefined
2005870.5 M undefined93.1 M undefined77.3 M undefined

Horace Mann Educators Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)
REVENUE GROWTH (%)
GROSS MARGIN (%)
GROSS INCOME (M)
NET INCOME (M)
NET INCOME GROWTH (%)
DIV. ()
DIV. GROWTH (%)
SHARES (M)
DOCUMENTS
1989199019911992199319941995199619971998199920002001200220032004200520062007200820092010201120122013201420152016201720182019202020212022202320242025e2026e2027e
0.210.630.650.680.680.660.680.70.740.770.780.790.810.820.830.870.870.880.890.90.910.950.960.981.031.071.11.141.181.191.431.321.341.391.491.591.721.821.86
-201.433.163.520.59-3.383.962.645.713.781.821.022.910.860.854.590.460.571.710.901.454.281.052.404.983.393.003.733.860.7619.95-8.111.903.967.046.448.255.702.59
---------------------------------------
000000000000000000000000000000000000000
-22-175877627364838544202511195677988210738070103110104938316918184133142-245102166184209
--200.00-950.00-441.1832.76-19.4817.74-12.3329.692.41-48.24-54.5525.00-56.0072.73194.7437.5027.27-16.33-87.80630.009.59-12.5047.146.80-5.45-10.58-10.75103.61-89.35922.22-27.726.77-101.41-2,350.00126.6762.7510.8413.59
---------------------------------------
---------------------------------------
27.827.831.757.964.364.256.247.646.543.841.74140.941.242.947.347.945.844.640.640.54141.441.441.642.242.441.541.641.941.94242.241.641.441.5000
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Details

Keystats

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Revenue and Growth

The Horace Mann Educators Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Horace Mann Educators is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETS
CASH BALANCE (M)
RECEIVABLES (M)
OTHER REC. (M)
INVENTORIES (M)
OTHER CURRENT LIAB. (M)
CURRENT ASSETS (M)
TANGIBLE ASSETS (M)
LONG-T. INVEST. (B)
LONG-T. REC. (M)
INTANGIBLE ASSETS (M)
GOODWILL (M)
OTHER NON-CURRENT ASSETS (M)
NON-CURRENT ASSETS (B)
TOTAL ASSETS (B)
LIABILITIES
COMMON STOCK (k)
ADDITIONAL PAID-IN CAPITAL (M)
RETAINED EARNINGS (B)
OTHER EQUITY (M)
UNREAL. GAINS/LOSSES (M)
EQUITY (B)
LIABILITIES (M)
PROVISIONS (M)
OTHER SHORT-TERM LIAB. (M)
SHORT-TERM DEBTS (M)
LONG-TERM DEBT PORTION (M)
SHORT-TERM REC. (M)
LONG-T. LIAB. (M)
DEFERRED TAXES (M)
OTHER LIAB. (M)
LONG-T. LIABILITIES (M)
DEBT (M)
TOTAL CAPITAL (B)
19901991199219931994199519961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021202220232024
                                                                     
00000000000000000000000000000000000
00000000000000000000000000000000000
00000000000000000000000000000000000
00000000000000000000000000000000000
00000000000000000000000000000000000
00000000000000000000000000000000000
00000242425283030303026222333384646424037353126323941777775068.673.4
2.062.192.362.492.532.82.782.772.842.632.912.983.133.393.6644.34.183.94.585.075.686.296.547.47.6588.358.256.647.267.456.596.836.92
00000000000000000000000000000000000
00000000000000000000000000000177158145185170.3155.8
195177155132142130119545251494747474747474747474747474747474747474943445454.354.3
00000000000000000000000000000000005
2.262.372.522.632.682.952.932.852.922.712.993.053.213.463.734.074.384.2744.675.165.776.386.627.487.728.088.448.346.947.547.716.837.127.2
2.262.372.522.632.682.952.932.852.922.712.993.053.213.463.734.074.384.2744.675.165.776.386.627.487.728.088.448.346.947.547.716.837.127.2
                                                                     
000000000000000000000000000000000100100
77324324324324324331341337334338341343342343345348354356358367373383407422443453464475481488495503510.9525.2
-0-0.020.040.110.160.220.280.350.420.450.450.460.460.460.50.550.630.70.690.760.820.840.9211.071.121.161.231.221.351.441.531.511.51.55
0000000000-1-11-17-17-15-14-3-3-12-12-13-16-15-12-13-12-12-13-12-11-11-105014.3103.9
-1-1-12-7176306257-40-4268182862811-3-1822211026838213429817517630097230366291-450-328.3-357.4
0.080.310.360.430.410.620.640.750.810.740.790.820.860.860.910.910.991.050.861.131.291.471.671.531.771.721.771.981.782.052.282.31.621.71.82
00000000000000000000000000000000000
00000000000000000000000000000171410000
00000000000000000000000000000000000
000007534425049495302525000383838383838380000000000
00000000000000000000000000000000000
000007534425049495302525000383838383838380000171410000
364144129112100100100100100100100100145145145191232199200200200200200200200247247297298433437503498546547
00000000000000000000000000000000000
110878584102134129127197111324270232217218417502283165248321353446366422369379341290367440418300287.1312.3
474231214196202234229227297211424370377362363608734482365448521553646566622616626638588800877921798833.1859.3
474231214196202309263269347260473423377387388608734482403486559591684604660616626638588817891931798833.1859.3
0.550.540.570.630.610.930.91.021.1611.261.241.241.251.31.521.721.531.261.611.852.062.362.132.432.342.42.622.372.873.173.232.412.532.68
Details

Balance Sheet

ⓘ

Understanding the Balance Sheet

The balance sheet of Horace Mann Educators provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Horace Mann Educators's financial health and stability.

Assets

Horace Mann Educators's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Horace Mann Educators must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Horace Mann Educators after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Horace Mann Educators's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)
DEPRECIATION (M)
DEFERRED TAXES (M)
CHANGES IN WORKING CAPITAL (M)
NON-CASH ITEM (M)
PAID INTEREST (M)
PAID TAXES (M)
NET CASH FLOW FROM OPERATING ACTIVITIES (M)
CAPITAL EXPENDITURES (M)
CASH FLOW FROM INVESTING ACTIVITIES (M)
CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)
INTEREST INCOME AND EXPENSES (M)
NET DEBT CHANGE (M)
NET CHANGE IN EQUITY (M)
CASH FLOW FROM FINANCING ACTIVITIES (M)
CASH FLOW FROM OTHER FINANCING ACTIVITIES (M)
TOTAL DIVIDENDS PAID (M)
NET CHANGE IN CASH FLOW (M)
FREE CASH FLOW (M)
SHARE-BASED COMPENSATION (M)
19891990199119921993199419951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
000000000000000000000000000000184133142-245
0000000000000000000000000000001523182726
00000000000000000000000000000000000
34156170202165158153139104128148124148154121167165185201162178157115202205221207211256200-1117976114235
0000000000000000000000000000884630-24404
3384316691189991099568111313141313131313131111121415131830
66-253410171051361616-72193-11515562541433292427168221723814
34156170202165158153139104128148124148154121167165185201162178157115202205221207211256200127259204171302
00000000000000000000000000000000000
-44-140-136-131-118-93-35-326623-42-16-127-183-243-280-241-231-130-190-267-304-303-354-598-565-415-325-228-18655-406-302-214-107
-44-140-136-131-118-93-35-326623-42-16-127-183-243-280-241-231-130-190-267-304-303-354-598-565-415-325-228-18655-406-302-214-107
00000000000000000000000000000000000
347-22-264-140-17-5075-4588-104-159212619-3432-63-6-4-8-47114525-188167012-134
002479800-1536-80-74-27-9320121-16-54040-10152-20-182-110-5-24-6
8-16-34-62-31-88-114-102-183-140-95-109-8311201137658-712387144188159395337212115-37-10-169143208-47-207
-3386-17-13-7-29-26-52-98-59-51-82147791086655-260104150214196420378267166-39126417619416-12
000-5-6-8-8-10-13-14-15-17-17-17-18-18-18-18-18-15-9-14-19-22-32-39-42-44-46-46-47-49-51-52-53
-10-1815-2234-131110-1121-100130-4-1-1173-631-9413-3111-90-13
34.9156.8170.4202.4165.5158.3153.3139.2104.4128.8148.1124.2148.9154.3121.8167.3165.2185.8201.6162.9178.9157.8115.9202.8205.9221.9207.7211.4256.6200.9127.6259.8204.9171.5302.1
00000000000000000000000000000000000

Horace Mann Educators stock margins

The Horace Mann Educators margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Horace Mann Educators. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Horace Mann Educators.

  • 3 years

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  • Max

Gross margin
EBIT margin
Profit margin
Details

Margin

ⓘ

Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Horace Mann Educators's sales revenue. A higher gross margin percentage indicates that the Horace Mann Educators retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Horace Mann Educators's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Horace Mann Educators's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Horace Mann Educators's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Horace Mann Educators. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Horace Mann Educators's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Horace Mann Educators Margin History

Horace Mann Educators Gross marginHorace Mann Educators Profit marginHorace Mann Educators EBIT marginHorace Mann Educators Profit margin
2027e0 %0 %11.24 %
2026e0 %0 %10.19 %
2025e0 %9.4 %9.72 %
20240 %9.81 %6.47 %
20230 %5.51 %3.02 %
20220 %1.65 %-0.19 %
20210 %14.86 %10.65 %
20200 %14.45 %10.13 %
20190 %19.65 %12.88 %
20180 %2.85 %1.53 %
20170 %9.56 %14.31 %
20160 %12.03 %7.35 %
20150 %14.95 %8.5 %
20140 %15.62 %9.76 %
20130 %16.44 %10.74 %
20120 %13.84 %10.56 %
20110 %7.41 %7.34 %
20100 %10.55 %8.42 %
20090 %10.01 %8.07 %
20080 %8.73 %1.21 %
20070 %15.11 %9.3 %
20060 %16.29 %11.28 %
20050 %10.7 %8.88 %

Horace Mann Educators Stock Sales Revenue, EBIT, Earnings per Share

The Horace Mann Educators earnings per share therefore indicates how much revenue Horace Mann Educators has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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Sales per Share
EBIT per share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Horace Mann Educators earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Horace Mann Educators's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Horace Mann Educators’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Horace Mann Educators's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Horace Mann Educators Revenue, EBIT and net profit per share

DateHorace Mann Educators Sales per ShareHorace Mann Educators EBIT per shareHorace Mann Educators Earnings per Share
2027e44.89 undefined0 undefined5.04 undefined
2026e43.76 undefined0 undefined4.46 undefined
2025e41.4 undefined0 undefined4.02 undefined
202438.26 undefined3.75 undefined2.48 undefined
202336.04 undefined1.99 undefined1.09 undefined
202233.5 undefined0.55 undefined-0.06 undefined
202131.77 undefined4.72 undefined3.38 undefined
202031.33 undefined4.53 undefined3.17 undefined
201934.17 undefined6.72 undefined4.4 undefined
201828.47 undefined0.81 undefined0.44 undefined
201728.47 undefined2.72 undefined4.07 undefined
201627.47 undefined3.3 undefined2.02 undefined
201525.94 undefined3.88 undefined2.21 undefined
201425.29 undefined3.95 undefined2.47 undefined
201324.83 undefined4.08 undefined2.67 undefined
201223.76 undefined3.29 undefined2.51 undefined
201123.2 undefined1.72 undefined1.7 undefined
201023.19 undefined2.45 undefined1.95 undefined
200922.5 undefined2.25 undefined1.81 undefined
200822.14 undefined1.93 undefined0.27 undefined
200719.96 undefined3.02 undefined1.86 undefined
200619.1 undefined3.11 undefined2.16 undefined
200518.17 undefined1.94 undefined1.61 undefined

Horace Mann Educators business model

The Horace Mann Educators Corporation is an American company founded in 1945. It is headquartered in Springfield, Illinois and is a publicly traded company listed on the New York Stock Exchange under the symbol "HMN." Horace Mann is a leading provider of insurance and retirement products for teachers, school administrators, and their families. Horace Mann is named after the founder of the American education system, who advocated for the introduction of compulsory education. The company aims to protect and improve the lives of teachers and their families, and to establish itself as a leading provider of teacher insurance and retirement products. Horace Mann's business model focuses on the needs of educational institutions and their employees. The company offers a variety of products and services, including insurance, investment advice, and financial planning. Horace Mann has three subsidiaries that focus on different aspects of the business: Horace Mann Insurance Services Inc., Horace Mann Life Insurance Company, and Horace Mann Investors Inc. Horace Mann's insurance division offers a variety of insurance products, including auto, home, life, liability, and accident insurance. The company works with various insurance companies to guarantee the best protection for its customers. Horace Mann has also developed a range of specialized insurance products for teachers and school administrators to cover their specific needs and risks. Horace Mann's investment advisory department offers a wide range of investment advisory and financial planning services for teachers and school administrators. The services include retirement planning, wealth accumulation, retirement planning, and education savings. Horace Mann has also developed specialized retirement products for teachers and school administrators aimed at providing them with a secure and stable retirement. Horace Mann also has an investment department that focuses on managing its clients' assets. The company offers a wide range of investment services, including stocks, bonds, mutual funds, and exchange-traded funds (ETFs). In addition to the products and services for teachers, Horace Mann also offers liability insurance for school boards and teachers in schools and educational institutions. These insurances provide protection for liability claims that may arise from the performance of their duties. Overall, Horace Mann has established a strong position as a leading provider of teacher insurance and retirement products in the United States over the past decades. The company focuses on meeting the specific needs of teachers and school administrators and offering them a wide range of products and services to support them in their daily lives. The Horace Mann brand stands for trust and reliability, as the company has been working with educational institutions and their employees for almost seven decades. Horace Mann Educators is one of the most popular companies on Eulerpool.com.

Horace Mann Educators SWOT Analysis

Strengths

Horace Mann Educators Corp has several key strengths that contribute to its success in the industry. Firstly, the company has a strong brand reputation built on its long-standing presence in the education insurance market. This helps to attract and retain customers, fostering trust and loyalty. Secondly, Horace Mann benefits from a large network of dedicated agents who possess deep knowledge of the education sector and can provide personalized service to customers. This ensures a high level of customer satisfaction. Thirdly, the company has a robust financial position, which provides stability and enables it to invest in growth opportunities.

Weaknesses

Despite its strengths, Horace Mann Educators Corp also faces certain weaknesses that need to be addressed. One notable weakness is the company's limited product offerings. Currently, Horace Mann primarily focuses on providing insurance products to educators, which may constrain its potential market reach. Moreover, the company heavily relies on independent agents for distribution, which could result in inconsistency in customer experiences across different regions. Additionally, Horace Mann may face challenges in adapting to technological advancements, potentially impacting operational efficiency.

Opportunities

Horace Mann Educators Corp has several opportunities to explore and capitalize on. Firstly, the increasing demand for insurance coverage in the education sector presents a growth opportunity for the company. By diversifying its product offerings to include additional insurance solutions tailored to educators' needs, Horace Mann can expand its customer base. Secondly, technology advancements offer opportunities for automation and digitization within the company's operations, leading to improved efficiency and cost savings. Lastly, strategic partnerships with educational institutions or organizations can provide access to a wider customer pool and potential cross-selling opportunities.

Threats

In the competitive landscape of the insurance industry, Horace Mann Educators Corp faces certain threats that need consideration. Firstly, increased competition from other insurers targeting the education sector poses a risk to the company's market share. To mitigate this threat, Horace Mann needs to continuously differentiate itself through innovative products and superior customer service. Secondly, changes in regulations and policies related to the education sector or insurance industry can impact the company's operations. Keeping abreast of these developments and adapting accordingly is crucial. Lastly, any economic downturn or financial instability could affect the purchasing power of educators, potentially impacting the demand for insurance products.

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Horace Mann Educators Eulerpool Fair Value

Details

Fair Value

ⓘ

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Horace Mann Educators historical P/E ratio, EBIT multiple, and P/S ratio

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Horace Mann Educators shares outstanding

The number of shares was Horace Mann Educators in 2024 — This indicates how many shares 41.5 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Number of stocks
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Horace Mann Educators earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Horace Mann Educators's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Horace Mann Educators’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Horace Mann Educators's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Horace Mann Educators stock splits

In Horace Mann Educators's history, there have been no stock splits.

Horace Mann Educators dividend history and estimates

In 2024, Horace Mann Educators paid a dividend amounting to 1.36 USD. Dividend means that Horace Mann Educators distributes a portion of its profits to its owners.

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Dividend
Dividend (Estimate)
Details

Dividend

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Dividend Overview

The dividend per year chart for Horace Mann Educators provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Horace Mann Educators’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Horace Mann Educators's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Horace Mann Educators Dividend History

DateHorace Mann Educators Dividend
2027e1.36 undefined
2026e1.36 undefined
2025e1.36 undefined
20241.36 undefined
20231.32 undefined
20221.28 undefined
20211.24 undefined
20201.2 undefined
20191.15 undefined
20181.14 undefined
20171.1 undefined
20161.06 undefined
20151 undefined
20140.92 undefined
20130.78 undefined
20120.55 undefined
20110.46 undefined
20100.35 undefined
20090.24 undefined
20080.37 undefined
20070.42 undefined
20060.42 undefined
20050.42 undefined

Horace Mann Educators dividend payout ratio

In 2024, Horace Mann Educators had a payout ratio of 36.03%. The payout ratio indicates the percentage of the company's profits that Horace Mann Educators distributes as dividends.

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Payout ratio

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What is Yearly Payout Ratio?

The yearly payout ratio for Horace Mann Educators represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Horace Mann Educators could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Horace Mann Educators's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Horace Mann Educators Payout Ratio History

DateHorace Mann Educators Payout ratio
2027e35.49 %
2026e35.01 %
2025e35.43 %
202436.03 %
202333.56 %
2022-2,133.33 %
202136.69 %
202037.85 %
201926.14 %
2018259.09 %
201727.03 %
201652.48 %
201545.45 %
201437.25 %
201329.32 %
201221.91 %
201127.06 %
201017.95 %
200913.12 %
2008136.11 %
200722.58 %
200619.53 %
200526.09 %
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Unfortunately, there are currently no price targets and forecasts available for Horace Mann Educators.

Horace Mann Educators latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
3/31/20250.98 1.07  (9.22 %)2025 Q1
12/31/20241.03 1.63  (57.82 %)2024 Q4
9/30/20240.73 0.76  (4.57 %)2024 Q3
6/30/20240.19 0.2  (4.88 %)2024 Q2
3/31/20240.79 0.6  (-23.76 %)2024 Q1
12/31/20230.66 0.84  (26.77 %)2023 Q4
9/30/20230.43 0.44  (1.97 %)2023 Q3
6/30/20230.02 0.03  (32.16 %)2023 Q2
3/31/20230.21 0.23  (7.53 %)2023 Q1
12/31/2022-0.1 -0.11  (-7.63 %)2022 Q4
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Eulerpool ESG Scorecard© for the Horace Mann Educators stock

Eulerpool World ESG Rating (EESG©)

73/ 100

🌱 Environment

59

👫 Social

80

🏛️ Governance

80

Environment

Scope 1 - Direct Emissions
540.13
Scope 2 - Indirect emissions from purchased energy
3,266.6
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
3,806.73
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees
Percentage of women in management
Percentage of Asian employees2.9
Share of Asian management
Percentage of Hispanic/Latino employees4.24
Hispano/Latino Management share
Percentage of Black employees13.13
Black Management Share
Percentage of white employees75.38
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Horace Mann Educators shareholders

%
Name
Stocks
Change
Date
13.29033 % BlackRock Institutional Trust Company, N.A.5,515,487-40,5693/31/2025
11.85840 % The Vanguard Group, Inc.4,921,234-68,5643/31/2025
8.73390 % Franklin Mutual Advisers, LLC3,624,567274,7793/31/2025
6.17766 % Dimensional Fund Advisors, L.P.2,563,728-95,9673/31/2025
5.41840 % Fuller & Thaler Asset Management Inc.2,248,637-15,0563/31/2025
5.07446 % T. Rowe Price Associates, Inc.2,105,901-7,7913/31/2025
3.92542 % State Street Global Advisors (US)1,629,049-82,9333/31/2025
3.13272 % EARNEST Partners, LLC1,300,078-36,9443/31/2025
2.49273 % Brown Advisory1,034,482-5,3033/31/2025
2.33240 % Geode Capital Management, L.L.C.967,94412,0383/31/2025
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3
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5
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Horace Mann Educators Executives and Management Board

Ms. Marita Zuraitis

(64)
Horace Mann Educators President, Chief Executive Officer, Director (since 2013)
Compensation 6.14 M

Mr. Stephen Mcanena

(52)
Horace Mann Educators Chief Operating Officer, Executive Vice President
Compensation 1.24 M

Mr. Donald Carley

(56)
Horace Mann Educators Executive Vice President, Chief Compliance Officer, General Counsel, Corporate Secretary
Compensation 994,659

Mr. H. Wade Reece

(67)
Horace Mann Educators Independent Chairman of the Board
Compensation 260,204

Mr. Thomas Bradley

(66)
Horace Mann Educators Independent Director
Compensation 215,204
1
2
3

Horace Mann Educators Supply Chain

NameRelationshipTwo-week correlationOne-month correlationThree-Month CorrelationSix-Month CorrelationOne Year CorrelationTwo-Year Correlation
SailPoint Technologies Stock
SailPoint Technologies
SupplierCustomer0,850,46-0,540,03-0,080,34
Lincoln National Stock
Lincoln National
SupplierCustomer0,330,470,790,070,240,47
1

Most common questions regarding Horace Mann Educators

What values and corporate philosophy does Horace Mann Educators represent?

Horace Mann Educators Corp represents values of integrity, excellence, and commitment to the education community. The company's corporate philosophy revolves around providing quality insurance and retirement solutions for educators and school employees. With a mission to serve those who make a difference in the lives of students, Horace Mann Educators Corp aims to help educators achieve financial security and peace of mind. Through their dedication to customer satisfaction and focus on personalized service, the company embodies a commitment to supporting the education sector and empowering educators for a brighter future.

In which countries and regions is Horace Mann Educators primarily present?

Horace Mann Educators Corp is primarily present in the United States.

What significant milestones has the company Horace Mann Educators achieved?

Horace Mann Educators Corp has achieved several significant milestones throughout its history. Founded in 1945, the company has become one of the largest insurance providers focused on the education community. Over the years, Horace Mann has consistently expanded its product offerings, including auto, home, and life insurance, annuities, and retirement solutions. The company's commitment to serving educators and their families has earned it a strong reputation in the industry. Moreover, Horace Mann's dedication to financial literacy and educational initiatives has helped thousands of educators plan for their futures and make informed financial decisions. Through its continued growth and unwavering focus on the education community, Horace Mann has become a trusted name in the insurance and financial services sector.

What is the history and background of the company Horace Mann Educators?

Horace Mann Educators Corp, founded in 1945, is an insurance company that specializes in providing insurance and retirement solutions to educators and their families. With a rich history of over 75 years, the company has become a trusted partner for educators across the United States. Horace Mann is committed to supporting educators by offering tailored financial products and services designed to meet their unique needs. The company's strong focus on education has allowed it to develop a deep understanding of the challenges faced by educators, enabling them to provide comprehensive and customized solutions. Today, Horace Mann Educators Corp continues to be a leading provider of insurance and retirement products for the education community, striving to make a positive difference in the lives of those who dedicate themselves to educating future generations.

Who are the main competitors of Horace Mann Educators in the market?

The main competitors of Horace Mann Educators Corp in the market include companies such as American Fidelity Assurance Company, MetLife, and The Standard.

In which industries is Horace Mann Educators primarily active?

Horace Mann Educators Corp is primarily active in the insurance industry, focusing on providing insurance and financial services to educators and their families.

What is the business model of Horace Mann Educators?

Horace Mann Educators Corp is an insurance and financial services company that primarily focuses on providing retirement annuities and life insurance policies to educators and school employees in the United States. Their business model revolves around offering tailored insurance solutions to meet the specific needs of educators, aiming to provide financial security and peace of mind. By understanding the unique challenges faced by the education community, Horace Mann aims to ensure that educators are adequately protected against unexpected events and can secure their financial future.

What is the P/E ratio of Horace Mann Educators 2025?

The Horace Mann Educators P/E ratio is 10.27.

What is the P/S ratio of Horace Mann Educators 2025?

The Horace Mann Educators P/S ratio is 1.

What is the Quality Investing of Horace Mann Educators?

The Quality Investing for Horace Mann Educators is 3/10.

What is the revenue of Horace Mann Educators 2025?

The expected Horace Mann Educators revenue is 1.72 B USD.

How high is the profit of Horace Mann Educators 2025?

The expected Horace Mann Educators profit is 166.92 M USD.

What is the business model of Horace Mann Educators

Horace Mann Educators Corp is an American insurance company that specializes in providing insurance products for educators and their employees. The company was founded in 1945 by two teachers and has been listed on the New York Stock Exchange since 2001. Horace Mann offers a wide range of insurance and financial products to address the needs of teachers, professors, school administrators, students, and their families. These include life and retirement insurance, investment products, auto and home insurance, liability and accident insurance, health insurance, and disability insurance. The business of Horace Mann is divided into three divisions, which are discussed in more detail below: 1. Education Division The Education Division is the largest division of Horace Mann Educators Corp and offers insurance products for teachers, professors, and school employees. The offer also targets employers as well as unions and distribution partners in this field. The products offered include life insurance, retirement insurance, health insurance, and accident insurance. 2. Investment Division Horace Mann also offers various investment products to support wealth accumulation and protection for teachers and educational institutions. This includes, for example, 401(k) plans that provide the opportunity to save taxes and use the saved money for retirement. 3. Insurance Division for Students and Families Horace Mann also offers insurance solutions for students and their families. This includes, for example, auto and home insurance, as well as liability and accident insurance, to be prepared for unexpected events. Horace Mann primarily operates its business in the United States and is headquartered in Illinois. The company has a nationwide network of insurance brokers and agents, as well as regional offices in many states, to provide the best possible service to its customers. Overall, Horace Mann's business model is focused on the education sector and its employees. The range of insurance products covers the important aspects of life for employees in the education field, including protection for personal livelihood, as well as for the protection of families and households. With its specialized focus on educators and their employees, Horace Mann offers customers tailored products and services to meet their specific needs. This shows that Horace Mann Educators Corp contributes to promoting the education sector in the United States.

What is the Horace Mann Educators dividend?

Horace Mann Educators pays a dividend of 1.28 USD distributed over payouts per year.

How often does Horace Mann Educators pay dividends?

The dividend cannot currently be calculated for Horace Mann Educators or the company does not pay out a dividend.

What is the Horace Mann Educators ISIN?

The ISIN of Horace Mann Educators is US4403271046.

What is the Horace Mann Educators WKN?

The WKN of Horace Mann Educators is 882987.

What is the Horace Mann Educators ticker?

The ticker of Horace Mann Educators is HMN.

How much dividend does Horace Mann Educators pay?

Over the past 12 months, Horace Mann Educators paid a dividend of 1.36 USD . This corresponds to a dividend yield of about 3.29 %. For the coming 12 months, Horace Mann Educators is expected to pay a dividend of 1.36 USD.

What is the dividend yield of Horace Mann Educators?

The current dividend yield of Horace Mann Educators is 3.29 %.

When does Horace Mann Educators pay dividends?

Horace Mann Educators pays a quarterly dividend. This is distributed in the months of October, January, April, July.

How secure is the dividend of Horace Mann Educators?

Horace Mann Educators paid dividends every year for the past 23 years.

What is the dividend of Horace Mann Educators?

For the upcoming 12 months, dividends amounting to 1.36 USD are expected. This corresponds to a dividend yield of 3.29 %.

In which sector is Horace Mann Educators located?

Horace Mann Educators is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Horace Mann Educators kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Horace Mann Educators from 6/30/2025 amounting to 0.35 USD, you needed to have the stock in your portfolio before the ex-date on 6/16/2025.

When did Horace Mann Educators pay the last dividend?

The last dividend was paid out on 6/30/2025.

What was the dividend of Horace Mann Educators in the year 2024?

In the year 2024, Horace Mann Educators distributed 1.32 USD as dividends.

In which currency does Horace Mann Educators pay out the dividend?

The dividends of Horace Mann Educators are distributed in USD.

All fundamentals about Horace Mann Educators

Our stock analysis for Horace Mann Educators Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Horace Mann Educators Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.