Horace Mann Educators Corporation (HMN) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Horace Mann Educators Corporation stock (HMN) is currently trading at $42.65. Horace Mann Educators Corporation PE ratio is 10.64. Horace Mann Educators Corporation PS ratio (Price-to-Sales) is 0.99. Analyst consensus price target for HMN is $49.33. WallStSmart rates HMN as Hold.
- HMN PE ratio analysis and historical PE chart
- HMN PS ratio (Price-to-Sales) history and trend
- HMN intrinsic value — DCF, Graham Number, EPV models
- HMN stock price prediction 2025 2026 2027 2028 2029 2030
- HMN fair value vs current price
- HMN insider transactions and insider buying
- Is HMN undervalued or overvalued?
- Horace Mann Educators Corporation financial analysis — revenue, earnings, cash flow
- HMN Piotroski F-Score and Altman Z-Score
- HMN analyst price target and Smart Rating
Horace Mann Educators Corporation
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HMN Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Horace Mann Educators Corporation (HMN)
HMN trades 60% above its Graham fair value of $26.52, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Horace Mann Educators Corporation (HMN) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, price/sales, price/book. Concerns around eps growth. Fundamentals are solid but monitor weak areas for improvement.
Horace Mann Educators Corporation (HMN) Key Strengths (4)
Paying less than $1 for every $1 of annual revenue
103.10% of shares held by major funds and institutions
Good growth relative to its price
Trading at 1.13x book value, attractively priced
Supporting Valuation Data
Horace Mann Educators Corporation (HMN) Areas to Watch (6)
Earnings declining -5.40%, profits shrinking
Thin operating margins with cost pressures present
Modest revenue growth at 6.30%
Thin profit margins with limited profitability
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Horace Mann Educators Corporation (HMN) Detailed Analysis Report
Overall Assessment
This company scores 59/100 in our Smart Analysis, earning a C grade. Out of 10 metrics analyzed, 4 register as strengths (avg 9.0/10) while 6 fall into concern territory (avg 3.7/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Sales, Institutional Own., PEG Ratio. Valuation metrics including PEG Ratio (1.16), Price/Sales (0.99), Price/Book (1.13) suggest the stock is attractively priced.
The Bear Case
The primary concerns are EPS Growth, Operating Margin, Revenue Growth. Growth concerns include Revenue Growth at 6.30%, EPS Growth at -5.40%, which may limit upside. Profitability pressure is visible in Return on Equity at 11.70%, Operating Margin at 12.80%, Profit Margin at 9.53%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 11.70% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 6.30% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Price/Sales, Institutional Own.) and negatives (EPS Growth, Operating Margin). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
HMN Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
HMN's Price-to-Sales ratio of 0.99x sits near its historical average of 0.98x (55th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 40% below its historical high of 1.64x set in Nov 2017, and 168% above its historical low of 0.37x in Oct 2008.
WallStSmart Analysis Synopsis
Data-driven financial summary for Horace Mann Educators Corporation (HMN) · FINANCIAL SERVICES › INSURANCE - PROPERTY & CASUALTY
The Big Picture
Horace Mann Educators Corporation operates as a stable business with moderate growth and solid fundamentals. Revenue reached 1.7B with 6% growth year-over-year. Profit margins are thin at 9.5%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
Generating 130M in free cash flow and 130M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Margin expansion: can Horace Mann Educators Corporation push profit margins above 15% as the business scales?
Dividend sustainability with a current yield of 3.4%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 593M is significantly higher than cash (26M). Monitor refinancing risk.
Sector dynamics: monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive moves, and regulatory changes that could impact Horace Mann Educators Corporation.
Bottom Line
Horace Mann Educators Corporation offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Horace Mann Educators Corporation(HMN)
NYSE
FINANCIAL SERVICES
INSURANCE - PROPERTY & CASUALT...
USA
Horace Mann Educators Corporation, is a multi-line insurance company in the United States. The company is headquartered in Springfield, Illinois.