Quarter
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Horace Mann Educators Corporation

HMN

CIK 0000850141 · Quarterly mode · latest period FY2025 (Q4) (ending 2025-12-31) · sourced from SEC EDGAR

At a glance · FY2025 (Q4)

Revenue
$435M
↑+6.3% +$26Mvs FY2024 (Q4)
Operating Income
$254M
↑+9.7% +$22Mvs FY2024 (Q4)
Net Income
$36M
↓-5.2% -$2Mvs FY2024 (Q4)
Gross Profit
$261M
↑+9.3% +$22Mvs FY2024 (Q4)

Quality Score

Quality score

6-dimension fundamental snapshot · latest annual filed values · S&P 500 calibration

Poor
20/100
  • Profitability
    0Insufficient data
  • Liquidity
    0Insufficient data
  • Leverage
    80D/E 0.40 (under 0.5 = conservative)
  • Efficiency
    0Asset Turnover 0.11x (1.0+ = capital-efficient)
  • Growth
    38Revenue YoY +6.3% (10% = solid, 25%+ = elite)
  • Margin Trend
    0Insufficient data

Calibrated to S&P 500 medians. Each sub-score is computed from a single CFA-grade ratio (Profitability = ROIC, Liquidity = Current Ratio, Leverage = D/E, Efficiency = Asset Turnover, Growth = Revenue YoY, Margin Trend = 4Q operating-margin avg vs prior 4Q). Overall = simple mean.

DCF intrinsic value

DCF intrinsic value

two-stage Gordon model

Project HMN's free cash flow forward, discount back at your hurdle rate, divide by diluted shares. Edit the assumptions to see how sensitive the intrinsic value is.

25%

Trailing 3-yr CAGR was 47.8%

10%

10% is a common all-equity benchmark for US large-caps

2.5%

Should be ≤ long-run GDP growth (~2.5% nominal)

5

5-year explicit projection + perpetuity terminal

Intrinsic value per share
$443.55
Total enterprise IV
$18.45B
Diluted shares
0.04B
Terminal PV
$14.33B (78% of total)
Year-5 FCF
$1.69B
YearProjected FCFDiscounted PV
+1$692M$629M
+2$864M$714M
+3$1.08B$812M
+4$1.35B$922M
+5$1.69B$1.05B
Terminal$23.07B$14.33B

DCF outputs are HIGHLY sensitive to growth + WACC assumptions. A 1pp WACC change can shift IV by 20%+. Use this as a sanity-check vs market price, not a target — and always cross-check the underlying FCF source (EDGAR cashflow statement, latest annual). Margin of safety convention: 30-50% discount to IV before buying.

Capital allocation · trailing 4 quarters

how the company spent its cash
Dividends paid (TTM)
$57M
cash returned to holders
Stock buybacks (TTM)
$21M
share count reduction
Stock-based comp (TTM)
$10M
non-cash dilution

Balance sheet · 2025-12-31

latest filed snapshot
Total assets
$15.27B
everything owned
Total liabilities
$13.78B
everything owed
Stockholders' equity
$1.48B
shareholder claim
Net debt
$566M
LT debt minus cash

Recent performance · 64 quarters

Revenue↑+6.3% +$26M
$435M
Net Income↓-5.2% -$2M
$36M
Free Cash Flow↓-32.9% -$64M
$130M

Drill down

HMN Sankey

See Horace Mann Educators Corporation's revenue flow into every line item of the income statement and balance sheet — every dollar accounted for, with prior-period comparison.

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HMN Charts

64 quarters of historical line items — Income, Cash Flow, Balance Sheet, plus margins. Click any chart for the trend dialog.

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HMN Key Metrics

EPS, BVPS, FCF/Share, ROE, ROA, ROIC, D/E, Current Ratio, Quick Ratio, Asset Turnover — 10 CFA-grade fundamentals derived from EDGAR data.

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