Horace Mann Educators Corporati

Valuation Analysis

About the Company

Horace Mann Educators Corporati en bref

Horace Mann Educators Corporati (HMN) is currently trading at 42,44 € with a market capitalization of 1,7 Md €. The trailing P/E ratio stands at 12.23x, with a forward P/E of 9.6x. The 52-week range spans from 34,91 € to 43,24 €; the current price is 1.9% below the yearly high. Year-over-year revenue growth stands at +3.1%. The net profit margin stands at 9.63%.

💰 Dividende

Horace Mann Educators Corporati pays an annual dividend of 1,26 € per share, representing a yield of 2.96%. The payout ratio stands at 35.43%.

📊 Avis des analystes

2 analystes évaluent Horace Mann Educators Corporati (HMN) au consensus : Acheter. L'objectif de cours moyen est de 45,33 €, soit un potentiel de +6.82% par rapport au cours actuel. La fourchette des objectifs de cours des analystes va de 44,46 € à 46,20 €.

Horace Mann Educators Corporati : la thèse d'investissement en détail

Horace Mann Educators Corporati (HMN) operates in the Financial Services — specifically Insurance - Property & Casualty — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

Le scénario haussier

Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

Le scénario baissier

Revenue growth has slowed to just 3.1%, which is below nominal GDP — the business is no longer outgrowing the broader economy.

Valorisation en contexte

The PEG ratio at 1.16 sits in the reasonable zone — the price tag is roughly aligned with the company's growth profile, neither punishing nor euphoric. The EV/EBITDA multiple of 9.21x is below the historical equity-market average — strategic acquirers would find the cash-flow profile attractive at this level.

À surveiller

• The forward P/E of 9.6x is meaningfully below the trailing 12.23x — analysts expect earnings to step up; the next earnings release is the test.
• The share is trading at 90.4% of its 52-week range — a break above the recent high opens technical upside, a failure here often invites profit-taking.

Thèse d'investissement : forces et faiblesses

Aperçu technique

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Profil de risque

The data points to relatively defensive market behavior.

Trading Data

💵 Dividend Info

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