Horace Mann Educators Corporation HMN
45.35
(0.53)
(1.16%)
as of 25 Sep
- Market cap
- $1.9B
- P/E
- 10.5×
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
21.13 | 10.78 | 87.09 | 9.95 | 13.26 | 9.56 | 88.10 | 31.11 | 15.76 | 11.75 |
P/S ratio |
1.56 | 1.54 | 1.31 | 1.27 | 1.34 | 1.22 | 1.13 | 0.93 | 1.02 | 1.12 |
P/FCF ratio |
8.35 | 7.05 | 7.75 | 14.27 | 6.78 | 7.93 | 9.12 | 4.59 | 3.58 | 3.44 |
P/Operating CF |
37.89 | 93.37 | (93.86) | (22.86) | (220.18) | 60.65 | 28.08 | 13.49 | 8.37 | 14.65 |
P/B ratio |
1.36 | 1.21 | 1.21 | 1.16 | 0.98 | 0.90 | 1.42 | 1.18 | 1.26 | 1.28 |
Price to Tangible BV |
1.42 | 1.24 | 1.25 | 1.36 | 1.11 | 1.00 | 1.82 | 1.46 | 1.50 | 1.48 |
EV/Sales |
1.87 | 1.89 | 1.64 | 1.56 | 1.66 | 1.50 | 1.46 | 1.44 | 1.49 | 1.60 |
EV/EBITDA |
16.73 | 21.99 | 60.10 | 7.54 | 10.45 | 8.23 | 29.57 | 19.72 | 12.54 | 10.27 |
EV/Operating CF |
9.98 | 8.62 | 9.73 | 17.46 | 8.38 | 9.73 | 11.77 | 7.13 | 5.26 | 4.91 |
EV/FCF |
9.98 | 8.62 | 9.73 | 17.46 | 8.38 | 9.73 | 11.77 | 7.13 | 5.26 | 4.91 |
Quick Ratio |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.04 | 0.06 | 0.07 | 0.06 | 0.06 |
Current Ratio |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.04 | 0.06 | 0.07 | 0.06 | 0.06 |
Net Debt/EBITDA |
1.73 | 3.09 | 9.59 | 1.38 | 1.99 | 1.52 | 6.66 | 4.73 | 2.68 | 2.14 |
Debt/Assets |
2.34% | 2.66% | 2.70% | 3.47% | 3.25% | 3.49% | 3.74% | 3.89% | 3.78% | 3.89% |
Debt/Equity |
0.19 | 0.20 | 0.23 | 0.28 | 0.24 | 0.28 | 0.45 | 0.46 | 0.42 | 0.40 |
Asset Turnover |
0.11 | 0.11 | 0.11 | 0.12 | 0.10 | 0.10 | 0.10 | 0.11 | 0.11 | 0.11 |
Operating CF/Net income |
2.52 | 1.51 | 10.95 | 0.69 | 1.95 | 1.20 | 8.66 | 6.71 | 4.40 | 3.41 |
Capex/Depreciation |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Interest Coverage |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 6.55% | 12.12% | 1.31% | 12.90% | 7.94% | 9.47% | 1.36% | 3.96% | 8.35% | 11.70% | |
| 0.81% | 1.56% | 0.17% | 1.57% | 1.03% | 1.22% | 0.14% | 0.33% | 0.72% | 1.09% | |
ROIC |
5.17% | 3.51% | 1.29% | 8.86% | 5.24% | 6.43% | 1.64% | 3.07% | 5.68% | 7.25% |
Return on Tangible Assets |
(1.39%) | (2.74%) | (0.29%) | (2.61%) | (1.84%) | (2.36%) | (0.26%) | (0.61%) | (1.43%) | (2.26%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 42.07 | 123.64 | 117.56 | 97.20 | 89.89 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
8.57% | 8.72% | 9.22% | 7.63% | 7.62% | 6.82% | 6.38% | 6.78% | 6.96% | 7.32% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.02 | 0.02 | 0.01 | 0.02 | 0.02 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.00% | 0.73% | 0.70% | 0.51% | 0.51% | 0.63% | 0.64% | 0.64% | 0.62% | 0.60% |
Graham Net Nets |
(5.25) | (5.35) | (6.25) | (5.98) | (6.62) | (7.56) | (7.48) | (8.91) | (7.86) | (7.01) |
Graham Number |
37.89 | 57.59 | 17.33 | 60.93 | 55.20 | 62.62 | 15.92 | 26.30 | 41.79 | 56.41 |
Earnings Yield |
4.73% | 9.28% | 1.15% | 10.05% | 7.54% | 10.46% | 1.14% | 3.21% | 6.35% | 8.51% |
Free Cash Flow Yield |
11.97% | 14.18% | 12.90% | 7.01% | 14.75% | 12.61% | 10.96% | 21.77% | 27.90% | 29.08% |
Revenue per Share |
27.43 | 28.32 | 28.66 | 34.30 | 31.27 | 31.65 | 33.21 | 36.12 | 38.62 | 41.30 |
Operating CF per Share |
5.14 | 6.20 | 4.83 | 3.06 | 6.20 | 4.88 | 4.12 | 7.31 | 10.95 | 13.43 |
Capex per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Free Cash Flow per Share |
5.14 | 6.20 | 4.83 | 3.06 | 6.20 | 4.88 | 4.12 | 7.31 | 10.95 | 13.43 |
Cash per Share |
0.41 | 0.18 | 0.29 | 0.61 | 0.53 | 3.18 | 1.03 | 0.72 | 0.92 | 0.67 |
Shareholders Equity per Share |
31.44 | 36.30 | 31.05 | 37.58 | 42.72 | 43.03 | 26.40 | 28.46 | 31.17 | 35.99 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
31.44 | 36.30 | 31.05 | 37.58 | 42.72 | 43.03 | 26.40 | 28.46 | 31.17 | 35.99 |
Free Cash Flow |
211.43 | 256.59 | 200.89 | 127.60 | 259.80 | 204.90 | 171.50 | 302.10 | 452.10 | 553.20 |
Working Capital |
(6,007.46) | (6,174.40) | (6,372.23) | (7,065.96) | (7,261.30) | (7,220.90) | (7,546.90) | (7,321.20) | (7,173.60) | (7,166.40) |
Net Current Asset Value |
(9,266.17) | (9,689.14) | (9,729.44) | (10,885.91) | (11,659.40) | (12,289.60) | (11,697.00) | (12,364.40) | (12,737.40) | (13,337.40) |
EV/EBIT |
16.73 | 21.99 | 60.10 | 7.96 | 11.78 | 8.90 | 49.62 | 25.94 | 14.57 | 11.44 |
Capex to Sales |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Net Profit Margin |
7.42% | 14.46% | 1.54% | 12.89% | 10.17% | 12.82% | 1.43% | 3.02% | 6.44% | 9.53% |
Price to Operating Income |
14.01 | 17.98 | 47.85 | 6.50 | 9.53 | 7.26 | 38.43 | 16.72 | 9.93 | 8.01 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Cash ROIC |
13.57% | 14.20% | 12.55% | 6.30% | 11.55% | 8.38% | 10.46% | 17.25% | 24.14% | 26.30% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 4.45 | 3.15 | 3.52 | 4.03 |
Accounts Payable Turnover |
0.13 | 0.13 | 0.13 | 0.12 | 0.11 | 0.10 | 0.12 | 0.12 | 0.12 | 0.12 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
2,999.63 | 2,889.38 | 2,761.70 | 3,182.24 | 3,373.29 | 3,529.32 | 3,096.67 | 2,932.36 | 2,900.74 | 2,993.01 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
— | — | — | — | — | — | 310.60 | 474.25 | 452.65 | 421.90 |
Average Payables |
5,853.77 | 6,103.08 | 6,283.08 | 6,670.30 | 7,052.53 | 7,203.70 | 7,533.75 | 7,820.05 | 7,733.95 | 7,624.70 |
Average Assets |
10,316.90 | 10,887.58 | 11,115.12 | 11,755.30 | 12,975.25 | 13,927.85 | 13,845.00 | 13,678.00 | 14,268.85 | 14,877.20 |
Average Common Equity |
1,279.32 | 1,397.78 | 1,396.06 | 1,428.92 | 1,678.69 | 1,798.75 | 1,452.85 | 1,136.80 | 1,231.40 | 1,385.10 |
Columns are period end dates