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Horace Mann Educators Corporation (HMN) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Horace Mann Educators Corporation

HMNMarket cap $1.84BPrice $45.5

Country🇺🇸United States

SectorFinancials

IndustryInsurance

Sells insurance and retirement products built specifically for teachers and school employees, a niche most insurers ignore. Nearly 90 years in, it still bets almost entirely on educators — an audience worth over $2 trillion in lifetime earnings potential.

In Bastion Portfolios?

52W Return+5%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+7%6

Revenue Forecast

Rev CAGR (1y)+4%4

Rev CAGR (3y)+8%6

Rev CAGR (5y)+6%5

Earnings Forecast

EPS Growth Y+1+23%8

EPS Growth Y+2+8%6

EPS Growth Y+3+8%6

Quality

Margins

EBIT Margin15%6

Net Income Margin10%6

Free Cash Flow Margin32%9

Debt

Net Debt/EBITDA2.04

Efficiency

ROE12%6

ROA1%3

Earnings Stability55

GEAR+VERY STRONG90

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)109

P/E Ratio (Forward 3y)89

P/BV1.29

EV Multiples

EV/EBITDA Fwd09

EV/EBIT Fwd09

Yield

Free Cash Flow Yield0.0%9

Dividend Yield3.2%7

Momentum

Short term

1 month return-10%2

3 month return-15%2

YTD return+1%5

Mid term

Price vs 52wHigh83%6

1 year return+6%5

Long term

3 year return+71%6

5 year return+32%5

Risk Shield

Price Risk

Beta0.39

Volatility21%9

Free Cash Flow

Free Cash Flow Margin32%9

Free Cash Flow Yield0.0%9

Quality

ROCE2%3

Earnings Stability55

Net Debt/EBITDA2.04

02Growth

Is it actually growing, and how fast?

HMNHorace Mann Educators

Revenue FY25$1.7B

GROWTH RATING↗

AVERAGE51 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+7%6

Revenue, next 1Y+4%4

Revenue, next 3Y, CAGR+8%6

Revenue, next 5Y, CAGR+6%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+23%8

EPS growth, FY27E+8%6

EPS growth, FY28E+8%6

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 8%/yr vs revenue 8%/yr).

WATCH

A mid-pack grower, ahead of 51% of companies worldwide.

Revenue is set to grow 8%/yr over the next 3 years, in line with the market.5/10

Revenue grew 7%/yr over the last 3 years and is set to keep growing around 8%/yr.

Over five years revenue is set to grow 6%/yr, about average versus companies worldwide.5/10

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Grower

A middle-of-the-pack grower. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

WEAK28 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-10%2

3-month return-15%2

YTD return+1%5

MID & LONG-TERM▾SCORE

% of 52-week high83%6

1-year return+6%5

3-year return+71%6

5-year return+32%5

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+71% over three years and +32% over five), roughly average for the market.

It's up 6% over the past year, but 17% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level so far this year (+1%).

WEAKNESSES

The stock is underperforming over the past month (-10%) and over three months (-15%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the stock is underperforming over the past month and over three months.

04Value

Are you paying a fair price for it?

Stop guessing on Horace Mann Educators Corporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

HMNHorace Mann Educators

Revenue FY25$1.7B

GROWTH RATING↗

AVERAGE51 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+7%6

Revenue, next 1Y+4%4

Revenue, next 3Y, CAGR+8%6

Revenue, next 5Y, CAGR+6%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+23%8

EPS growth, FY27E+8%6

EPS growth, FY28E+8%6

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 8%/yr vs revenue 8%/yr).

WATCH

A mid-pack grower, ahead of 51% of companies worldwide.

Revenue is set to grow 8%/yr over the next 3 years, in line with the market.5/10

Revenue grew 7%/yr over the last 3 years and is set to keep growing around 8%/yr.

Over five years revenue is set to grow 6%/yr, about average versus companies worldwide.5/10

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Grower

A middle-of-the-pack grower. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

WEAK28 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-10%2

3-month return-15%2

YTD return+1%5

MID & LONG-TERM▾SCORE

% of 52-week high83%6

1-year return+6%5

3-year return+71%6

5-year return+32%5

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+71% over three years and +32% over five), roughly average for the market.

It's up 6% over the past year, but 17% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level so far this year (+1%).

WEAKNESSES

The stock is underperforming over the past month (-10%) and over three months (-15%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on Horace Mann Educators Corporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community