- Investing.com
Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. It operates through Property & Casualty, Life & Retirement, and Supplemental & Group Benefits segments. The Property & Casualty segment offers insurance products, including private passenger auto insurance, residential home insurance, and personal umbrella insurance; standard auto coverage including liability, collision, and comprehensive; and property coverage for homeowners and renters. The Life & Retirement segment markets tax-qualified fixed, fixed indexed, and variable annuities; the Horace Mann Retirement Advantage open architecture platform and other defined contribution plans; traditional term, whole life insurance products, and indexed universal life (IUL) products. This segment also offers Life by Design, a portfolio of individual whole life and individual term insurance products that address the financial planning needs of educators; Life Select, a combination product that mixes a base of either traditional whole life, 20-pay life, or life paid-up at age 65 with a variety of term riders; single premium whole life products; and cash value term. The Supplemental & Group Benefits segment offers employer-sponsored products, including accident, critical illness, limited-benefit fixed indemnity insurance, term life, and short-term and long-term disability, as well as worksite direct products, such as supplemental heart, cancer, disability, and accident coverages. The company offers individual protection and savings solutions, including auto insurance, property insurance, liability insurance, 403(b) retirement plans, mutual funds, life insurance, student loan solutions, credit monitoring, and financial wellness workshops. It distributes its products and services through agents, brokers, and benefit specialists, as well as direct and digital channels. The company was founded in 1945 and is headquartered in Springfield, Illinois.
Educator-Focused Insure | Horace Mann's specialized approach to the educator market sets it apart, but also presents unique challenges and opportunities in the competitive insurance landscape |
Financial Health Check | Explore Horace Mann's robust liquidity metrics, consistent dividend growth, and recent earnings outperformance, balanced against modest forward growth projections |
Strategic Expansion | Delve into Horace Mann's acquisitions and product diversification efforts, including a new cancer offering, aimed at enhancing market reach and customer retention |
Future Outlook | Learn about Horace Mann's EPS guidance of $3.60 to $3.90 for FY2025, its pursuit of double-digit ROE, and upcoming investor day, with analyst price targets around $44 |
Metrics to compare | HMN | Sector Sector - Average of metrics from a broad group of related Financial sector companies | Relationship RelationshipHMNPeersSector | |
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P/E Ratio | 13.1x | 10.6x | 9.8x | |
PEG Ratio | 0.18 | 0.01 | 0.03 | |
Price/Book | 1.4x | 1.6x | 1.0x | |
Price / LTM Sales | 1.1x | 1.2x | 2.9x | |
Upside (Analyst Target) | 8.5% | 11.0% | 9.9% | |
Fair Value Upside | Unlock | 5.2% | 0.9% | Unlock |