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HORACE MANN EDUCATORS CORP /DE/ (HMN) Stock Forecast 2025 - AI Price Prediction & Analysis


HORACE MANN EDUCATORS CORP /DE/ (HMN) AI Stock Price Forecast & Investment Analysis

HORACE MANN EDUCATORS CORP /DE/ Stock Price Chart and Technical Analysis

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HORACE MANN EDUCATORS CORP /DE/ (HMN) - Comprehensive Stock Analysis & Investment Research

Deep dive into HORACE MANN EDUCATORS CORP /DE/'s business profile, financial performance, AI predictions, and competitive positioning to make informed investment decisions.

Understanding Company Overview

What this section covers: Essential business information about HORACE MANN EDUCATORS CORP /DE/, including sector classification, industry positioning, and organizational structure.

How to interpret: Company size, sector, and employee count provide context for market position and growth potential. Leadership and founding date indicate stability and experience.

For HORACE MANN EDUCATORS CORP /DE/: HORACE MANN EDUCATORS CORP /DE/ operates in the Finance sector, making it an emerging small-cap investment.

HORACE MANN EDUCATORS CORP /DE/ (Stock Symbol: HMN) is a leading company in the Finance sector , specifically operating within the Fire, Marine & Casualty Insurance industry.

The organization employs approximately 2372 professionals worldwide .

The company has established itself as an emerging investment opportunity with substantial growth potential.

Understanding Financial Performance

What these metrics mean: Key financial indicators showing HORACE MANN EDUCATORS CORP /DE/'s revenue scale, profitability, market value, and shareholder returns.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For HORACE MANN EDUCATORS CORP /DE/: With $1649M in annual revenue and 6.6% net margin, the company demonstrates solid profitability.

Annual Revenue: $1649 million generating a 6.6% net profit margin .

Market Capitalization: $1844 million - Classified as a small-cap investment offering high growth potential.

Return on Equity (ROE): 7.3% - Below-average shareholder return efficiency, indicating areas for operational improvement.

Understanding AI Stock Predictions

What these predictions mean: AI-powered forecasts for HORACE MANN EDUCATORS CORP /DE/ stock using machine learning algorithms trained on historical market data and technical indicators.

How to interpret: Positive percentages indicate expected price increases, negative values suggest potential declines. Spearman correlation coefficient shows the statistical relationship between predictions and actual outcomes.

For HORACE MANN EDUCATORS CORP /DE/: Unlock premium access to view detailed AI predictions and price targets.

🚀 Unlock Premium AI Predictions to access our advanced machine learning forecasts for HORACE MANN EDUCATORS CORP /DE/ stock, including 7-day, 30-day, and 90-day price targets with confidence intervals and risk assessments.

Understanding Market Position

What this analysis covers: HORACE MANN EDUCATORS CORP /DE/'s competitive positioning, market dynamics, operational efficiency, and strategic advantages within its industry.

How to evaluate: Strong cash flow generation, healthy margins, and market leadership indicate competitive advantages. Growth rates show expansion potential.

For HORACE MANN EDUCATORS CORP /DE/: Strong free cash flow generation demonstrates solid operational efficiency.

HORACE MANN EDUCATORS CORP /DE/ strategically competes in the highly dynamic Fire, Marine & Casualty Insurance marketplace, representing an emerging small-cap investment with substantial growth potential and market disruption capabilities .

The company demonstrates robust operational efficiency through strong free cash flow generation of $158 million annually, complemented by impressive 103.6% year-over-year cash flow growth.

HORACE MANN EDUCATORS CORP /DE/ (HMN) Fundamental Analysis & Insider Trading Data (Quarterly Financial Reports)

Comprehensive quarterly financial data, earnings trends, insider transactions, and institutional holdings for HORACE MANN EDUCATORS CORP /DE/ stock analysis.

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Deep dive into HORACE MANN EDUCATORS CORP /DE/'s financial health, valuation metrics, and operational efficiency to make informed investment decisions.

Understanding Valuation Metrics

What these metrics mean: Valuation metrics help determine if HORACE MANN EDUCATORS CORP /DE/ stock is fairly priced compared to its earnings, assets, and market position.

How to read them: Lower P/E ratios may indicate undervalued stocks, while higher ratios suggest growth expectations. P/B ratio compares market value to book value.

For HORACE MANN EDUCATORS CORP /DE/: With a P/E ratio of 13.34, the market sees the stock as potentially undervalued.

P/E Ratio 13.34x
P/B Ratio 1.36x
Market Cap $1844M
Dividend Yield 3.05%
EPS $3.39
Book Value/Share $32.69
Revenue/Share $39.64
FCF/Share $4.48
Understanding Profitability Metrics

What these metrics mean: These ratios measure how efficiently HORACE MANN EDUCATORS CORP /DE/ converts revenue into profit and generates returns for shareholders.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For HORACE MANN EDUCATORS CORP /DE/: An ROE of 7.3% indicates room for improvement in shareholder value creation.

ROE 7.3%
ROA 0.8%
Net Margin 6.6%
EBT Margin 11.3%
Tax Rate 18.3%
Understanding Financial Health Metrics

What these metrics mean: These ratios assess HORACE MANN EDUCATORS CORP /DE/'s ability to meet short-term obligations and manage debt levels effectively.

How to read them: Current ratio >2 is generally good, Quick ratio >1 shows strong liquidity. Lower D/E ratios indicate conservative debt management.

For HORACE MANN EDUCATORS CORP /DE/:

D/E Ratio 0.17x
Financial Leverage 9.39x
Interest Coverage 1.9x
Understanding Cash Flow Metrics

What these metrics mean: Cash flow metrics reveal HORACE MANN EDUCATORS CORP /DE/'s ability to generate cash from operations and fund growth initiatives.

How to read them: Positive operating cash flow is crucial. Free cash flow shows money available for dividends, buybacks, or investments.

For HORACE MANN EDUCATORS CORP /DE/: Free cash flow of $158M provides flexibility for shareholder returns and growth investments.

Operating Cash Flow $158M
Free Cash Flow $158M
OCF Growth YoY 103.6%
FCF Growth YoY 103.6%
FCF/Sales 12.5%
Understanding Operational Efficiency Metrics

What these metrics mean: These ratios measure how effectively HORACE MANN EDUCATORS CORP /DE/ uses its assets and manages working capital.

How to read them: Higher turnover ratios indicate efficient asset utilization. Shorter collection periods show effective credit management.

For HORACE MANN EDUCATORS CORP /DE/: An asset turnover of 0.09x suggests room for improvement in asset utilization.

Asset Turnover 0.09x
Fixed Assets Turnover 19.1x
Understanding Financial Statement Data

What these metrics mean: Key figures from HORACE MANN EDUCATORS CORP /DE/'s income statement and balance sheet showing absolute financial performance.

How to read them: Revenue shows business scale, while margins indicate profitability. Balance sheet items reveal financial structure.

For HORACE MANN EDUCATORS CORP /DE/: With annual revenue of $1649M, HORACE MANN EDUCATORS CORP /DE/ operates at significant scale.

Income Statement ($ Millions)
Total Revenue $1649M
SG&A Expense $14M
Balance Sheet Highlights (% Of Assets)
Cash & Short-term Investments 44%
Total Liabilities 89%
Short-term Debt 2%
Accounts Receivable 4%
Dividend & Shareholder Information
Dividends Per Share $1.37
Payout Ratio 0.4%
Shares Outstanding 42M
Growth Metrics (YoY)
EPS Growth 6.2%

Latest HORACE MANN EDUCATORS CORP /DE/ Stock News & Market Analysis

Breaking news, analyst reports, and market updates affecting HORACE MANN EDUCATORS CORP /DE/ (HMN) stock price and investment outlook.

, source: Business Insider

KBW analyst Meyer Shields maintained a Buy rating on Horace Mann Educators (HMN – Research Report) yesterday and set a price target of $40.00. The company’s shares closed yesterday at $34.57.

HORACE MANN EDUCATORS CORP /DE/ Competitors & Peer Analysis - Finance Sector

Comparative analysis of HORACE MANN EDUCATORS CORP /DE/ against industry peers and competitors in the Finance sector, featuring AI-powered forecasts and key financial metrics.

Company Ticker Symbol 90-Day AI Forecast Market Cap (USD M) P/E Ratio P/B Ratio
ACGL Unlock Forecast - 30 Days FREE Trial $32692M 18.4x 1.4x
AFG Unlock Forecast - 30 Days FREE Trial $10824M 14.4x 2.4x
AFGB Unlock Forecast - 30 Days FREE Trial $1874M 2.5x 0.4x
AFGC Unlock Forecast - 30 Days FREE Trial $1643M 2.2x 0.4x
AFGD Unlock Forecast - 30 Days FREE Trial $1826M 2.4x 0.4x
AFGE Unlock Forecast - 30 Days FREE Trial $1504M 2.0x 0.3x
AHL Unlock Forecast - 30 Days FREE Trial $2217M x 0.7x
AIG Unlock Forecast - 30 Days FREE Trial $43771M 13.8x 1.1x
AII Unlock Forecast - 30 Days FREE Trial $360M 5.6x 1.2x
ALL Unlock Forecast - 30 Days FREE Trial $50656M 8.8x 2.1x
ALL-PB Unlock Forecast - 30 Days FREE Trial $6919M 1.2x 0.3x
ALL-PH Unlock Forecast - 30 Days FREE Trial $5805M 1.0x 0.2x
ALL-PI Unlock Forecast - 30 Days FREE Trial $5464M 0.9x 0.2x
ALL-PJ Unlock Forecast - 30 Days FREE Trial $7046M 1.2x 0.3x
AMSF Unlock Forecast - 30 Days FREE Trial $761M 15.8x 2.9x
ASIC Unlock Forecast - 30 Days FREE Trial $932M x 1.7x
AXS Unlock Forecast - 30 Days FREE Trial $6798M 8.0x 1.1x
AXS-PE Unlock Forecast - 30 Days FREE Trial $1675M 1.9x 0.3x
BOW Unlock Forecast - 30 Days FREE Trial $802M 16.6x 2.0x
CB Unlock Forecast - 30 Days FREE Trial $109646M 12.3x 1.5x
CINF Unlock Forecast - 30 Days FREE Trial $23959M 13.6x 1.6x
CNA Unlock Forecast - 30 Days FREE Trial $11921M 14.0x 1.1x
CNFR Unlock Forecast - 30 Days FREE Trial $17M 0.6x 0.6x
CNFRZ Unlock Forecast - 30 Days FREE Trial $244M 7.9x 8.7x
EG Unlock Forecast - 30 Days FREE Trial $23023M 32.0x 1.5x
EIG Unlock Forecast - 30 Days FREE Trial $967M 13.9x 0.9x
FIHL Unlock Forecast - 30 Days FREE Trial $1882M x 0.8x
GBLI Unlock Forecast - 30 Days FREE Trial $415M 14.5x 0.6x
GLRE Unlock Forecast - 30 Days FREE Trial $415M 11.1x 0.6x
HCI Unlock Forecast - 30 Days FREE Trial $2604M 18.6x 3.4x
HCIIP Unlock Forecast - 30 Days FREE Trial $131M 0.9x 0.2x
HG Unlock Forecast - 30 Days FREE Trial $2374M 4.2x 0.9x
HIPO Unlock Forecast - 30 Days FREE Trial $958M -4.4x 2.9x
HMN Unlock Forecast - 30 Days FREE Trial $1844M 13.3x 1.4x
HRTG Unlock Forecast - 30 Days FREE Trial $729M 7.1x 1.9x
JRVR Unlock Forecast - 30 Days FREE Trial $236M -1.6x 0.5x
KFS Unlock Forecast - 30 Days FREE Trial $397M -29.1x 22.8x
KG Unlock Forecast - 30 Days FREE Trial $195M x 1.3x
KINS Unlock Forecast - 30 Days FREE Trial $204M 7.4x 2.2x
KMPB Unlock Forecast - 30 Days FREE Trial $1513M 4.4x 0.5x
KMPR Unlock Forecast - 30 Days FREE Trial $2879M 9.0x 1.0x
KNSL Unlock Forecast - 30 Days FREE Trial $9388M 20.7x 5.0x
L Unlock Forecast - 30 Days FREE Trial $20633M 15.7x 1.2x
LMND Unlock Forecast - 30 Days FREE Trial $4482M -13.8x 8.5x
MCY Unlock Forecast - 30 Days FREE Trial $4266M 11.3x 2.2x
MHLA Unlock Forecast - 30 Days FREE Trial $1495M -44.3x 39.8x
MHNC Unlock Forecast - 30 Days FREE Trial $1746M -44.4x 46.5x
MKL Unlock Forecast - 30 Days FREE Trial $23231M 10.4x 1.3x
NODK Unlock Forecast - 30 Days FREE Trial $276M -48.6x 1.1x
OXBR Unlock Forecast - 30 Days FREE Trial $13M -10.3x 2.4x
PGR Unlock Forecast - 30 Days FREE Trial $121636M 12.4x 3.7x
PLMR Unlock Forecast - 30 Days FREE Trial $3012M 19.6x 3.6x
PRA Unlock Forecast - 30 Days FREE Trial $1237M 25.5x 1.0x
RLI Unlock Forecast - 30 Days FREE Trial $5366M 15.9x 2.9x
RNR Unlock Forecast - 30 Days FREE Trial $11512M 5.7x 1.0x
RNR-PF Unlock Forecast - 30 Days FREE Trial $1104M 0.6x 0.1x
RNR-PG Unlock Forecast - 30 Days FREE Trial $799M 0.4x 0.1x
ROOT Unlock Forecast - 30 Days FREE Trial $1341M 15.3x 5.5x
SAFT Unlock Forecast - 30 Days FREE Trial $1005M 12.1x 1.2x
SIGI Unlock Forecast - 30 Days FREE Trial $4568M 11.6x 1.3x
SIGIP Unlock Forecast - 30 Days FREE Trial $1086M 2.8x 0.3x
SKWD Unlock Forecast - 30 Days FREE Trial $1822M 14.2x 2.0x
SLDE Unlock Forecast - 30 Days FREE Trial $1946M x 2.2x
SPNT Unlock Forecast - 30 Days FREE Trial $2131M 18.5x 1.0x
SPNT-PB Unlock Forecast - 30 Days FREE Trial $2968M 25.6x 1.4x
THG Unlock Forecast - 30 Days FREE Trial $6163M 11.6x 1.9x
TIPT Unlock Forecast - 30 Days FREE Trial $663M 11.5x 1.3x
TRV Unlock Forecast - 30 Days FREE Trial $60435M 10.2x 1.9x
UFCS Unlock Forecast - 30 Days FREE Trial $771M 8.7x 0.9x
UVE Unlock Forecast - 30 Days FREE Trial $872M 13.5x 1.9x
WRB Unlock Forecast - 30 Days FREE Trial $27088M 16.2x 2.9x
WRB-PE Unlock Forecast - 30 Days FREE Trial $8650M 4.9x 0.9x
WTM Unlock Forecast - 30 Days FREE Trial $4888M 24.2x 1.1x

Frequently Asked Questions - HORACE MANN EDUCATORS CORP /DE/ Stock Forecast

How accurate are HORACE MANN EDUCATORS CORP /DE/ stock predictions?

Our AI model shows a 2% Spearman correlation coefficient for HMN predictions, based on advanced machine learning algorithms trained on over 10 years of market data. This measures the strength of the monotonic relationship between predicted and actual price movements.

What factors influence HORACE MANN EDUCATORS CORP /DE/ stock price forecasts?

Our analysis considers HORACE MANN EDUCATORS CORP /DE/'s financial metrics, Finance sector trends, market sentiment, technical indicators, earnings data, and macroeconomic factors affecting stock performance.

Is HORACE MANN EDUCATORS CORP /DE/ a good investment in 2025?

Based on our AI analysis, HORACE MANN EDUCATORS CORP /DE/ shows potential for various market scenarios. Consider your risk tolerance, investment timeline, and portfolio diversification before making investment decisions.

How often are HORACE MANN EDUCATORS CORP /DE/ forecasts updated?

HORACE MANN EDUCATORS CORP /DE/ stock forecasts are updated daily using real-time market data, ensuring you receive the most current AI-powered predictions and investment insights.

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