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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

Company Overview & Business Profile

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.

Financial Performance & Key Metrics Analysis

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

Market Capitalization: $1905 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.

Advanced AI Stock Prediction & Price Target Analysis

🚀 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.

Market Position & Competitive Advantage Analysis

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 13.60, the market sees the stock as potentially undervalued.

P/E Ratio 13.60x
P/B Ratio 1.40x
Market Cap $1905M
Dividend Yield 3.41%
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 $14M
Balance Sheet Highlights ($ Millions)
Cash & Short-term Investments $44M
Total Liabilities $89M
Short-term Debt $2M
Accounts Receivable $4M
Dividend & Shareholder Information
Dividends Per Share $1.25
Payout Ratio 44.4%
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.

📰 We are currently updating our news feed for HORACE MANN EDUCATORS CORP /DE/. Check back soon for the latest market analysis and company updates.

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 $35773M 6.8x 1.7x
ACGLN Unlock Forecast $6365M 1.4x 0.3x
ACGLO Unlock Forecast $7694M 1.6x 0.4x
ACIC Unlock Forecast $522M 9.3x 2.0x
AFG Unlock Forecast $11371M 14.9x 2.5x
AFGB Unlock Forecast $1878M 2.5x 0.4x
AFGC Unlock Forecast $1660M 2.2x 0.4x
AFGD Unlock Forecast $1810M 2.4x 0.4x
AFGE Unlock Forecast $1493M 2.0x 0.3x
AIG Unlock Forecast $47892M 15.0x 1.2x
AII Unlock Forecast $279M x 0.9x
ALL Unlock Forecast $54574M 9.4x 2.3x
ALL-PB Unlock Forecast $7039M 1.2x 0.3x
ALL-PH Unlock Forecast $5934M 1.0x 0.3x
ALL-PI Unlock Forecast $5504M 0.9x 0.2x
ALL-PJ Unlock Forecast $7320M 1.3x 0.3x
AMSF Unlock Forecast $883M 17.5x 3.3x
ASIC Unlock Forecast $1089M x 2.0x
AXS Unlock Forecast $7970M 8.9x 1.3x
AXS-PE Unlock Forecast $1711M 1.9x 0.3x
BOW Unlock Forecast $1054M 21.3x 2.6x
CB Unlock Forecast $119306M 13.0x 1.7x
CINF Unlock Forecast $24238M 13.3x 1.7x
CNA Unlock Forecast $13497M 15.4x 1.3x
CNFR Unlock Forecast $10M 0.3x 0.4x
CNFRZ Unlock Forecast $232M 7.5x 8.2x
DGICA Unlock Forecast $0M 18.0x 0.0x
DGICB Unlock Forecast $0M 18.3x 0.0x
EG Unlock Forecast $25436M 31.6x 1.7x
EIG Unlock Forecast $1124M 11.4x 1.0x
ESGR Unlock Forecast $5038M 6.1x 0.8x
ESGRO Unlock Forecast $286M 0.4x 0.1x
ESGRP Unlock Forecast $305M 0.4x 0.1x
FIHL Unlock Forecast $1914M x 0.8x
GBLI Unlock Forecast $414M 14.7x 0.6x
GLRE Unlock Forecast $454M 12.0x 0.7x
HCI Unlock Forecast $2241M 15.6x 3.0x
HCIIP Unlock Forecast $136M 0.9x 0.2x
HG Unlock Forecast $2569M 4.4x 1.0x
HIG Unlock Forecast $37298M 11.8x 2.2x
HIPO Unlock Forecast $665M -4.4x 2.1x
HMN Unlock Forecast $1905M 13.6x 1.4x
HRTG Unlock Forecast $697M 6.5x 1.8x
ICCH Unlock Forecast $71M 21.6x 1.0x
JRVR Unlock Forecast $353M -1.6x 0.7x
KFS Unlock Forecast $820M -29.1x 47.0x
KG Unlock Forecast $215M x 1.4x
KINS Unlock Forecast $196M 7.1x 2.1x
KMPB Unlock Forecast $1538M 4.5x 0.5x
KMPR Unlock Forecast $3458M 10.1x 1.2x
KNSL Unlock Forecast $10659M 23.9x 6.2x
L Unlock Forecast $21442M 15.9x 1.2x
LMND Unlock Forecast $3905M -13.8x 7.4x
MCY Unlock Forecast $4283M 11.0x 2.2x
MHLA Unlock Forecast $1519M -44.3x 40.4x
MHLD Unlock Forecast $115M -3.8x 3.1x
MHNC Unlock Forecast $1752M -44.4x 46.6x
MKL Unlock Forecast $24239M 10.4x 1.4x
NODK Unlock Forecast $272M -48.6x 1.2x
OXBR Unlock Forecast $16M -10.3x 3.1x
OXBRW Unlock Forecast $2M x 0.6x
PGR Unlock Forecast $145197M 13.9x 4.5x
PLMR Unlock Forecast $3392M 21.9x 4.0x
PRA Unlock Forecast $1228M 25.2x 1.0x
RLI Unlock Forecast $6266M 19.4x 3.6x
RNR Unlock Forecast $19230M 9.6x 1.8x
RNR-PF Unlock Forecast $1825M 0.9x 0.2x
RNR-PG Unlock Forecast $1335M 0.7x 0.1x
ROOT Unlock Forecast $2274M 26.7x 9.3x
SAFT Unlock Forecast $1092M 12.9x 1.3x
SIGI Unlock Forecast $4794M 12.5x 1.4x
SIGIP Unlock Forecast $1110M 2.9x 0.3x
SKWD Unlock Forecast $2029M 15.4x 2.3x
SLDE Unlock Forecast $1636M x 1.9x
SPNT Unlock Forecast $2201M 19.0x 1.0x
SPNT-PB Unlock Forecast $2991M 25.8x 1.4x
THG Unlock Forecast $6349M 11.4x 2.0x
TIPT Unlock Forecast $1308M 23.3x 2.6x
TRV Unlock Forecast $62366M 11.9x 2.1x
UFCS Unlock Forecast $820M 8.9x 1.0x
UVE Unlock Forecast $711M 10.7x 1.6x
WRB Unlock Forecast $28715M 16.3x 3.1x
WRB-PE Unlock Forecast $9373M 5.3x 1.0x
WTM Unlock Forecast $5419M 26.4x 1.2x

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

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

Our AI model demonstrates 41% historical accuracy for HMN predictions, based on advanced machine learning algorithms trained on over 10 years of market data.

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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