Horace Historical Financial Ratios
HMN Stock  USD 33.48 0.24 0.72% 
Horace Mann is recently reporting on over 56 different financial statement accounts. To analyze all of these accounts together requires a lot of time and effort. However, using these accounts to derive some meaningful and actionable indicators such as Cash Flow Per Share of 4.23 or Revenue to Assets of 0.12 will help investors to properly organize and evaluate Horace Mann Educators financial condition quickly. Financial Statement Analysis is much more than just reviewing and examining Horace Mann Educators latest accounting reports to predict its past. Macroaxis encourages investors to analyze financial statements over time for various trends across multiple indicators and accounts to determine whether Horace Mann Educators is a good buy for the upcoming year.
Check out Risk vs Return Analysis. To learn how to invest in Horace Stock please use our How to Invest in Horace Mann guide.Horace 
Horace Mann Cash Flow Per Share 

About Horace Financial Ratios Analysis
Horace Mann EducatorsFinancial ratios are relationships based on a company's financial information. They can serve as useful tools to evaluate Horace Mann investment potential. Financial ratio analysis can also be defined as the process of presenting financial ratios, which are mathematical indicators calculated by comparing key financial information appearing on Horace financial statements. Financial ratios are useful tools that help investors analyze and compare relationships between different pieces of financial information across Horace Mann history.
Horace Mann Financial Ratios Chart
Horace Mann Educators financial ratios usually calculated using numerical values taken directly from Horace Mann financial statements such as income statements or balance sheets. They help investors to obtain meaningful information about Horace Mann. Most financial ratios help to conduct quantitative analysis to assess vital information about the company's valuation as well as profitability and liquidity indicators such as leverage, growth, profit margins, and different types of rates of return.
Horace Mann Enterprise Value over EBIT is very stable at the moment as compared to the past year. Horace Mann reported last year Enterprise Value over EBIT of 265.00. As of 1st of April 2023, Enterprise Value over EBITDA is likely to grow to 61.17, while Calculated Tax Rate is likely to drop 19.14. Add Fundamental
Asset Turnover
Asset turnover is a measure of a firms operating efficiency; calculated by dividing Revenues by Average Assets. Often a component of DuPont ROE analysis.Return on Average Assets
Return on assets measures how profitable a company is Net Income Common Stock relative to its total assets [AssetsAvg].Return on Average Equity
Return on equity measures a corporation's profitability by calculating the amount of Net Income Common Stock returned as a percentage of [EquityAvg].Return on Sales
Return on Sales is a ratio to evaluate a company's operational efficiency; calculated by dividing Earning Before Interest and Taxes EBIT by Revenues. ROS is often a component of DuPont ROE analysis.Most ratios from Horace Mann's fundamentals are interrelated and interconnected. However, analyzing fundamentals ratios one by one will only give a small insight into Horace Mann Educators current financial condition. On the other hand, looking into the entire matrix of fundamentals ratios, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Risk vs Return Analysis. To learn how to invest in Horace Stock please use our How to Invest in Horace Mann guide.Horace Mann Enterprise Value over EBIT is very stable at the moment as compared to the past year. Horace Mann reported last year Enterprise Value over EBIT of 265.00. As of 1st of April 2023, Enterprise Value over EBITDA is likely to grow to 61.17, while Calculated Tax Rate is likely to drop 19.14.
2020  2021  2023 (projected)  
Book Value per Share  42.72  43.03  33.2 
Asset Turnover  0.1  0.094  0.0995 
Horace Mann fundamentals Correlations
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Horace Mann Account Relationship Matchups
High Positive Relationship
High Negative Relationship
Horace Mann fundamentals Accounts
2018  2019  2020  2021  2022  2023 (projected)  
Calculated Tax Rate  6.11  21.99  16.46  18.35  21.11  19.14  
Cash and Equivalents Turnover  122.01  76.47  54.64  17.05  15.67  16.08  
Cash Flow Per Share  4.9  3.09  6.27  4.95  4.19  4.23  
Total Assets Per Share  269.27  302.6  325.29  347.49  328.74  282.75  
Book Value per Share  31.05  37.59  42.72  43.03  26.16  33.2  
Debt to Equity Ratio  6.46  7.55  6.96  6.53  11.36  10.13  
Dividends per Basic Common Share  1.14  1.15  1.2  1.24  1.28  1.27  
EBITDA Margin  0.11  0.092  0.033  0.19  0.025  0.0257  
Earnings per Basic Share  0.44  4.42  3.18  3.4  (0.06)  (0.0616)  
Earnings per Diluted Share  0.44  4.4  3.17  3.39  (0.06)  (0.0616)  
Earnings per Basic Share USD  0.44  4.42  3.18  3.4  (0.06)  (0.0616)  
Enterprise Value over EBIT  15.0  20.0  56.0  12.0  265  285.92  
Enterprise Value over EBITDA  45.73  8.2  10.66  9.43  56.7  61.17  
Free Cash Flow per Share  6.2  4.83  3.06  4.88  4.12  4.28  
Gross Margin  0.35  0.33  0.29  0.44  0.41  0.32  
Profit Margin  0.074  0.14  0.015  0.13  (0.002)  (0.002053)  
Payout Ratio  0.27  2.59  0.26  0.38  (21.33)  (21.9)  
Price to Earnings Ratio  85.11  9.88  13.22  11.38  (622.83)  (639.22)  
Price to Sales Ratio  1.31  1.27  1.34  1.22  1.12  1.33  
Return on Invested Capital  0.009  0.003  0.021  0.013  0.001  0.001026  
Return on Sales  0.086  0.027  0.18  0.14  0.005  0.005132  
Sales per Share  28.67  34.31  31.27  31.67  33.24  34.19  
Tangible Assets Book Value per Share  264.24  293.82  316.7  337.98  317.48  322.4 
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Is Horace Mann's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Horace Mann. If investors know Horace will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Horace Mann listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.15)  Dividend Share 1.28  Earnings Share (0.06)  Revenue Per Share 33.243  Quarterly Revenue Growth 0.046 
The market value of Horace Mann Educators is measured differently than its book value, which is the value of Horace that is recorded on the company's balance sheet. Investors also form their own opinion of Horace Mann's value that differs from its market value or its book value, called intrinsic value, which is Horace Mann's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Horace Mann's market value can be influenced by many factors that don't directly affect Horace Mann's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Horace Mann's value and its price as these two are different measures arrived at by different means. Investors typically determine Horace Mann value by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Horace Mann's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.