Horace Mann Educators Corporation (HMN) is a Insurance - Property & Casualty company in the Financial Services sector, currently trading at $44.36. It has a SharesGrow Score of 71/100, indicating a above average investment profile with 5 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of HMN = $64.06 (+44.4% from the current price, the stock appears undervalued). Analyst consensus target is HMN = $42 (-6.1% upside).
Valuation: HMN trades at a trailing Price-to-Earnings (P/E) of 11.5 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 0.97.
Financials: revenue is $1.7B, +8.3%/yr average growth. Net income is $162M, growing at +104.5%/yr. Net profit margin is 9.5% (thin). Gross margin is 100% (+0 pp trend).
Balance sheet: total debt is $593M against $1.5B equity (Debt-to-Equity (D/E) ratio 0.4, conservative). Debt-to-assets is 3.9%. Total assets: $15.3B.
Analyst outlook: 4 / 9 analysts rate HMN as buy (44%) — mixed sentiment.
SharesGrow 7-Criteria breakdown: Value 75/100 (Pass), Growth 83/100 (Pass), Past 100/100 (Pass), Health 100/100 (Pass), Moat 70/100 (Pass), Future 26/100 (Fail), Income 45/100 (Partial).
