SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Horace Mann Educators Corporation (HMN) trades at a trailing P/E of 11.5, forward P/E of 10.0. Trailing earnings yield is 8.68%, forward earnings yield 10.02%. PEG 0.20 (Peter Lynch undervalued ≤1.0). Graham Number is $55.89.
Criteria proven by this page:
- VALUE (75/100, Pass) — P/E is below market average (11.5); PEG ≤ 1.0 — Peter Lynch undervalued (0.20); earnings yield beats bond yields (8.68%).
- Forward P/E 10.0 (down from trailing 11.5) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.20 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 8.68% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 10.02% as earnings recover.
- Analyst consensus target $41.67 (-6.1% downside) — slight downside risk — the market may be ahead of analyst expectations.
Overall SharesGrow Score: 71/100 with 5/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
75/100
Price-to-Earnings & upside
Proven by this page
✓
HEALTH
100/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — HMN
Valuation Multiples
P/E (TTM)11.5
Forward P/E10.0
PEG Ratio0.20
Forward PEG0.71
P/B Ratio1.26
P/S Ratio1.11
EV/EBITDA11.8
Per Share Data
EPS (TTM)$3.90
Forward EPS (Est.)$4.45
Book Value / Share$35.63
Revenue / Share$39.50
FCF / Share$13.30
Yields & Fair Value
Earnings Yield8.68%
Forward Earnings Yield10.02%
Dividend Yield3.14%
Graham Number$55.89
SharesGrow IV$64.06 (+44.4%)
Analyst Target$41.67 (-6.1%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
20.6 |
-2.15 |
1.33 |
1.53 |
2.57% |
| 2017 |
10.6 |
0.11 |
1.20 |
1.53 |
2.57% |
| 2018 |
83.6 |
-0.94 |
1.19 |
1.30 |
3.04% |
| 2019 |
9.8 |
0.01 |
1.15 |
1.28 |
2.63% |
| 2020 |
13.1 |
-0.47 |
0.97 |
1.35 |
2.85% |
| 2021 |
9.4 |
1.32 |
0.89 |
1.28 |
3.21% |
| 2022 |
78.5 |
-0.91 |
1.42 |
1.16 |
3.38% |
| 2023 |
30.0 |
0.24 |
1.15 |
0.94 |
3.99% |
| 2024 |
15.8 |
0.12 |
1.26 |
1.05 |
3.43% |
| 2025 |
11.8 |
0.20 |
1.29 |
1.13 |
2.97% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$2.02 |
$1.13B |
$83.77M |
7.4% |
| 2017 |
$4.08 |
$1.17B |
$169.46M |
14.5% |
| 2018 |
$0.44 |
$1.18B |
$18.34M |
1.6% |
| 2019 |
$4.40 |
$1.43B |
$184.4M |
12.9% |
| 2020 |
$3.22 |
$1.29B |
$133.3M |
10.3% |
| 2021 |
$3.39 |
$1.25B |
$170.4M |
13.6% |
| 2022 |
$0.47 |
$1.34B |
$19.8M |
1.5% |
| 2023 |
$1.09 |
$1.43B |
$45M |
3.1% |
| 2024 |
$2.48 |
$1.55B |
$102.8M |
6.6% |
| 2025 |
$3.90 |
$1.7B |
$162.1M |
9.5% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$4.47 |
$4.42 – $4.52 |
$1.3B |
$1.29B – $1.3B |
2 |
| 2027 |
$5.00 |
$4.95 – $5.04 |
$1.38B |
$1.36B – $1.4B |
2 |
| 2028 |
$5.04 |
$5.00 – $5.07 |
$1.96B |
$1.94B – $1.97B |
1 |
