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Horace Mann Educators Corp Stock Research

HMN

30.05USD-1.34(-4.27%)Market Closed

Market Summary

USD30.05-1.34
Market Closed
-4.27%

HMN Alerts

HMN Stock Price

HMN RSI Chart

HMN Valuation

Market Cap

1.4B

Price/Earnings (Trailing)

-529.92

Price/Sales (Trailing)

1

EV/EBITDA

45.13

Price/Free Cashflow

8.03

HMN Price/Sales (Trailing)

HMN Profitability

EBT Margin

-0.86%

Return on Equity

-0.24%

Return on Assets

-0.02%

Free Cashflow Yield

12.45%

HMN Fundamentals

HMN Revenue

Revenue (TTM)

1.4B

Revenue Y/Y

2.05%

Revenue Q/Q

2.05%

HMN Earnings

Earnings (TTM)

-10.5M

Earnings Y/Y

-54.48%

Earnings Q/Q

135.68%

Price Action

52 Week Range

30.0140.13
(Low)(High)

Last 7 days

-2.3%

Last 30 days

0.4%

Last 90 days

-14.1%

Trailing 12 Months

-22.9%

HMN Financial Health

Debt/Equity

0.23

Debt/Cashflow

0.69

HMN Investor Care

Dividend Yield

4.29%

Dividend/Share (TTM)

1.29

Buy Backs (1Y)

1.43%

Diluted EPS (TTM)

-0.25

Peers (Alternatives to Horace Mann Educators)

View All Peers In Detail
NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
80.9B
52.1B
-6.11% 6.42%
112.13
1.63
6.08% -60.84%
39.6B
51.6B
3.17% -5.02%
3.86
0.7
-3.37% -38.13%
39.1B
37.8B
-4.33% -0.47%
13.97
1.03
6.99% -29.09%
28.5B
52.9B
-4.41% -17.00%
-11.92
0.54
4.73% -167.90%
23.8B
12.4B
-7.03% 24.77%
39.87
1.91
3.58% -56.71%
23.3B
22.9B
-3.10% -4.87%
11.93
1.05
1.76% -25.56%
11.4B
-
0.57% 29.95%
32.11
0.97
- -
9.6B
7.2B
-6.27% -11.90%
11.66
1.33
8.46% -56.06%
MID-CAP
8.4B
6.5B
-10.73% 23.57%
-82.23
1.29
18.12% 27.70%
3.8B
1.6B
1.39% 4.74%
-21.05
2.31
- -308.14%
SMALL-CAP
1.4B
1.4B
0.35% -22.92%
-529.92
1
2.59% -108.90%
1.2B
338.2M
-5.93% -26.34%
21.46
3.49
22.24% 25.58%
990.7M
1.1B
-31.51% -45.33%
-2.5K
0.9
-7.68% -102.27%
748.6M
847.3M
2.21% -24.16%
24.65
0.88
7.01% 151.37%

Financials for Horace Mann Educators

Income Statement (Last 12 Months)
(In Millions)
* denotes actual numbers (not divided by Millions)
Description(%) Q/Q2023Q12022Q42022Q32022Q22022Q1
Revenue0.5%1,3901,3831,3681,3541,355
EBITDA-66.7%35.00105100175-
EBITDA Margin-67.0%0.03*0.08*0.11*0.13*-
Earnings Before Taxes-80.7%-21.50-11.9066.0070.00144
EBT Margin-117.9%-0.01*0.05*0.08*0.11*-
Interest Expenses14.4%22.0019.0017.0015.0014.00
Net Income-303.8%-10.50-2.6056.0059.00118
Net Income Margin-104.6%0.00*0.04*0.06*0.09*-
Free Cahsflow20.3%172143168159-
Balance Sheet
(In Millions)
Description(%) Q/Q2023Q12022Q42022Q32022Q22022Q1
Assets1.5%13,65413,44713,31413,75914,427
    Cash Equivalents-36.0%27.0043.0036.0050.0049.00
  Goodwill0%54.0054.0056.0056.0056.00
Liabilities1.3%12,51512,35912,23812,49812,891
.    Short Term Borrowings0%249249249249249
  Long Term Debt0%249249249249254
Shareholder's Equity4.7%1,1391,0881,0771,2601,537
  Retained Earnings2.5%1,5051,4691,5001,5001,526
  Additional Paid-In Capital0.1%503503500498497
Shares Outstanding-1.0%41.0042.0042.00--
Cashflow (Last 12 Months)
(In Millions)
Description(%) Q/Q2023Q12022Q42022Q32022Q22022Q1
Cashflow From Operations-5.4%162172143168159
  Share Based Compensation-1.1%9.009.009.009.008.00
Cashflow From Investing57.0%-92.20-214-246-255-280
Cashflow From Financing-91.8%-91.70-47.80100107131
  Dividend Payments0.6%53.0053.0052.0052.0052.00
  Buy Backs9.2%26.0024.0028.0018.006.00

Risks for HMN

What is the probability of a big loss on HMN?

51.5%


Probability that Horace Mann Educators stock will be more than 20% underwater in next one year

17.7%


Probability that Horace Mann Educators stock will be more than 30% underwater in next one year.

0%


Probability that Horace Mann Educators stock will be more than 40% underwater in next one year.
*Calculated based on probability distribution of losses observed in actual data in the last 5 years.

How does HMN drawdown profile look like?

Y-axis is the maximum loss one would have experienced if Horace Mann Educators was unfortunately bought at previous high price.

Drawdowns

Returns for HMN

Cumulative Returns on HMN

5.4%


10-Year Cumulative Returns

1.4%


7-Year Cumulative Returns

-4.2%


5-Year Cumulative Returns

-2.6%


3-Year Cumulative Returns

What are the long-term rolling returns for HMN?

FIve years rolling returns for Horace Mann Educators.

Annualized Returns

Which funds bought or sold HMN recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
2023-05-26
ProShare Advisors LLC
added
5.86
-474,290
8,719,030
0.03%
2023-05-25
Brandywine Global Investment Management, LLC
added
99.65
2,936,740
6,660,240
0.03%
2023-05-22
PUTNAM INVESTMENTS LLC
added
4.66
-320,528
4,818,410
0.01%
2023-05-22
AMERIPRISE FINANCIAL INC
added
10.11
-200,989
14,635,000
-%
2023-05-18
NEW YORK STATE COMMON RETIREMENT FUND
added
13.27
375,000
25,755,000
0.04%
2023-05-18
JPMORGAN CHASE & CO
reduced
-45.91
-2,635,720
2,477,280
-%
2023-05-17
Thrivent Financial for Lutherans
reduced
-3.37
-211,000
1,357,000
-%
2023-05-16
Red Tortoise LLC
reduced
-30.77
-1,292
2,109
-%
2023-05-16
CAROLINAS WEALTH CONSULTING LLC
unchanged
-
-214
1,841
-%
2023-05-16
Rockefeller Capital Management L.P.
sold off
-100
-67,000
-
-%

1–10 of 48

Latest Funds Activity

Are funds buying HMN calls or puts?
Calls
Puts
Are funds bullish or bearish(Calls - Puts)?
Net Call Options
No. of funds that own HMN
No. of Funds

Horace Mann Educators News

MarketBeat
Fuller & Thaler Asset Management Inc. Grows Stock Holdings in ....
MarketBeat,
9 hours ago

Schedule 13G FIlings of Horace Mann Educators

Date FiledName of FilerPercent of ClassNo. of SharesForm Type
Feb 14, 2023
earnest partners llc
7.5%
3,051,469
SC 13G/A
Feb 09, 2023
vanguard group inc
12.57%
5,139,138
SC 13G/A
Jan 31, 2023
franklin mutual advisers llc
6.5%
2,651,633
SC 13G/A
Jan 26, 2023
blackrock inc.
14.6%
5,980,908
SC 13G/A
Jan 20, 2023
blackrock inc.
14.6%
5,980,908
SC 13G/A
Feb 14, 2022
silvercrest asset management group llc
4.6%
1,928,144
SC 13G/A
Feb 11, 2022
earnest partners llc
7.2%
2,976,829
SC 13G/A
Feb 10, 2022
vanguard group inc
11.87%
4,924,315
SC 13G/A
Feb 08, 2022
dimensional fund advisors lp
7.2%
2,968,576
SC 13G/A
Feb 02, 2022
franklin mutual advisers llc
7.4%
3,070,523
SC 13G/A

HMN Fair Value

Show Fair-Value

Recent SEC filings of Horace Mann Educators

View All Filings
Date Filed Form Type Document
May 26, 2023
3
Insider Trading
May 26, 2023
4
Insider Trading
May 26, 2023
4
Insider Trading
May 26, 2023
4
Insider Trading
May 26, 2023
4
Insider Trading
May 26, 2023
4
Insider Trading
May 26, 2023
4
Insider Trading
May 26, 2023
4
Insider Trading
May 26, 2023
4
Insider Trading
May 26, 2023
3
Insider Trading

Latest Insider Trading transactions for HMN

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
2023-05-24
Reece Henry Wade
acquired
115,013
31.45
3,657
-
2023-05-24
Fetter Victor
acquired
115,013
31.45
3,657
-
2023-05-24
Hines Perry G.
acquired
115,013
31.45
3,657
-
2023-05-24
Sarsynski Elaine A
acquired
115,013
31.45
3,657
-
2023-05-24
KONEN MARK E
acquired
115,013
31.45
3,657
-
2023-05-24
BRADLEY THOMAS A
acquired
115,013
31.45
3,657
-
2023-05-24
Samuel Aaliyah A
acquired
115,013
31.45
3,657
-
2023-05-24
McClure Beverley J.
acquired
115,013
31.45
3,657
-
2023-05-23
McAnena Stephen J
acquired
-
-
3,114
evp & chief operating officer
2023-05-18
Weckenbrock Michael
sold
-52,512
32.82
-1,600
senior vice president

1–10 of 50

Marita Zuraitis
1450
Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. It operates in three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits. The company underwrites and markets personal lines of property and casualty insurance, including personal lines auto and property insurance products; supplemental insurance products, which include cancer, heart, hospital, supplemental disability, and accident coverages; retirement products, such as tax-qualified fixed and variable annuities; and life insurance products comprising whole life and term, as well as indexed universal life insurance products. It also offers student loan solutions, including online student loan management accounts for educators. The company markets its products through its sales force of full-time exclusive agents to K-12 teachers, administrators, and other employees of public schools and their families. Horace Mann Educators Corporation was founded in 1945 and is headquartered in Springfield, Illinois.

HMN Income Statement

2023-03-31
CONSOLIDATED STATEMENTS OF OPERATIONS AND COMPREHENSIVE INCOME (LOSS) (UNAUDITED) - USD ($)
shares in Millions, $ in Millions
3 Months Ended
Mar. 31, 2023
Mar. 31, 2022
Revenues  
Net premiums and contract charges earned$ 255.9$ 255.8
Net investment income100.497.9
Net investment losses(3.9)(15.5)
Other income1.58.5
Total revenues353.9346.7
Benefits, losses and expenses  
Benefits, claims and settlement expenses183.2175.2
Interest credited48.739.7
Operating expenses79.876.7
DAC amortization expense23.722.0
Intangible asset amortization expense3.74.2
Interest expense6.73.9
Total benefits, losses and expenses345.8321.7
Income before income taxes8.125.0
Income tax expense1.54.7
Net income$ 6.6$ 20.3
Net income per share  
Basic (in usd per share)$ 0.16$ 0.48
Diluted (in usd per share)$ 0.16$ 0.48
Weighted average number of shares and equivalent shares  
Basic (in shares)41.341.9
Diluted (in shares)41.442.1
Statements of Comprehensive Income (Loss)  
Net income$ 6.6$ 20.3
Other comprehensive income (loss), net of tax:  
Change in net unrealized investment losses on fixed maturity securities93.2(334.1)
Change in net reserve remeasurements attributable to discount rates(41.2)181.5
Change in net funded status of benefit plans0.00.0
Other comprehensive income (loss)52.0(152.6)
Comprehensive income (loss)$ 58.6$ (132.3)

HMN Balance Sheet

2023-03-31
CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($)
$ in Millions
Mar. 31, 2023
Dec. 31, 2022
Investments  
Fixed maturity securities, available for sale, at fair value (amortized cost, net 2023, $5,803.3; 2022, $5,756.9)$ 5,350.0$ 5,185.0
Equity securities at fair value98.899.6
Limited partnership interests1,045.4983.7
Short-term and other investments291.1319.3
Total investments6,785.36,587.6
Cash27.442.8
Deferred policy acquisition costs331.6330.6
Reinsurance balances receivable467.6468.0
Deposit asset on reinsurance2,518.02,516.6
Intangible assets181.5185.2
Goodwill54.354.3
Other assets333.5328.7
Separate Account variable annuity assets2,954.72,792.3
Total assets13,653.913,306.1
Policy liabilities  
Future policy benefit reserves1,772.41,718.0
Policyholders' account balances5,234.65,260.6
Unpaid claims and claim expenses574.8564.0
Unearned premiums263.3266.1
Total policy liabilities7,845.17,808.7
Other policyholder funds887.1809.3
Other liabilities329.8299.5
Short-term debt249.0249.0
Long-term debt249.0249.0
Separate Account variable annuity liabilities2,954.72,792.3
Total liabilities12,514.712,207.8
Preferred stock, $0.001 par value, authorized 1,000,000 shares; none issued0.00.0
Common stock, $0.001 par value, authorized 75,000,000 shares; issued, 2023, 66,710,189; 2022, 66,618,4650.10.1
Additional paid-in capital503.1502.6
Retained earnings1,505.21,512.4
Accumulated other comprehensive income (loss), net of tax:  
Net unrealized investment losses on fixed maturity securities(356.4)(449.6)
Net reserve remeasurements attributable to discount rates17.859.0
Net funded status of benefit plans(8.8)(8.8)
Treasury stock, at cost, 2023, 25,842,693 shares; 2022, 25,714,153 shares(521.8)(517.4)
Total shareholders’ equity1,139.21,098.3
Total liabilities and shareholders’ equity$ 13,653.9$ 13,306.1