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Price (delayed)
$37.54
Market cap
$1.53B
P/E Ratio
19.06
Dividend/share
$1.35
EPS
$1.97
Enterprise value
$2.06B
Horace Mann is the largest financial services company focused on providing America's educators and school employees with insurance and retirement solutions. Founded by Educators for Educators® in 1945, the company
Highlights
The price to earnings (P/E) is 35% lower than the 5-year quarterly average of 29.3
The gross profit has increased by 28% year-on-year and by 4.8% since the previous quarter
The debt has increased by 10% YoY
Key stats
What are the main financial stats of HMN
Market
Valuations
Earnings
Shares outstanding
40.77M
Market cap
$1.53B
Enterprise value
$2.06B
Price to earnings (P/E)
19.06
Price to book (P/B)
1.27
Price to sales (P/S)
1
EV/EBIT
15.64
EV/EBITDA
13.04
EV/Sales
1.33
Revenue
$1.56B
EBIT
$131.9M
EBITDA
$158.2M
Free cash flow
$262.9M
Per share
Balance sheet
Liquidity
EPS
$1.97
Free cash flow per share
$6.35
Book value per share
$29.51
Revenue per share
$37.58
TBVPS
$339.73
Total assets
$14.28B
Total liabilities
$13.07B
Debt
$546.5M
Equity
$1.21B
Working capital
N/A
Debt to equity
0.45
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
3.36
Margins
Efficiency
Dividend
EBITDA margin
10.2%
Gross margin
37.2%
Net margin
5.2%
Operating margin
8.5%
Return on assets
0.6%
Return on equity
7%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
8.5%
Dividend yield
3.6%
DPS
$1.35
Payout ratio
68.5%
HMN stock price
How has the Horace Mann Educators stock price performed over time
Intraday
1.43%
1 week
0.51%
1 month
7.13%
1 year
20.2%
YTD
14.8%
QTD
7.41%
Financial performance
How have Horace Mann Educators's revenue and profit performed over time
Revenue
$1.56B
Gross profit
$578.4M
Operating income
$131.9M
Net income
$81.5M
Gross margin
37.2%
Net margin
5.2%
The gross profit has increased by 28% year-on-year and by 4.8% since the previous quarter
The company's net income rose by 26% QoQ
The net margin has increased by 21% QoQ
The operating income is up by 20% since the previous quarter
Growth
What is Horace Mann Educators's growth rate over time
Valuation
What is Horace Mann Educators stock price valuation
P/E
19.06
P/B
1.27
P/S
1
EV/EBIT
15.64
EV/EBITDA
13.04
EV/Sales
1.33
The price to earnings (P/E) is 35% lower than the 5-year quarterly average of 29.3
HMN's EPS is up by 25% since the previous quarter
The stock's price to book (P/B) is 15% more than its 5-year quarterly average of 1.1 and 6% more than its last 4 quarters average of 1.2
Horace Mann Educators's equity has increased by 10% YoY
The price to sales (P/S) is 11% more than the last 4 quarters average of 0.9 but 9% less than the 5-year quarterly average of 1.1
The revenue is up by 11% YoY and by 2.1% from the previous quarter
Efficiency
How efficient is Horace Mann Educators business performance
HMN's return on equity is up by 23% since the previous quarter
The return on assets is up by 20% since the previous quarter
HMN's return on sales is up by 18% since the previous quarter
The company's return on invested capital rose by 13% QoQ
Dividends
What is HMN's dividend history
DPS
$1.35
Dividend yield
3.6%
Payout ratio
68.5%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Horace Mann Educators financials performed over time
The total assets is 9% more than the total liabilities
The total liabilities has grown by 4% YoY
The total assets has grown by 4.5% YoY
The debt is 55% lower than the equity
Horace Mann Educators's equity has increased by 10% YoY
The debt has increased by 10% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.