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 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.

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 Share42.7243.0333.2
Asset Turnover0.10.0940.0995

Horace Mann fundamentals Correlations

Click cells to compare fundamentals

Horace Mann Account Relationship Matchups

Horace Mann fundamentals Accounts

201820192020202120222023 (projected)
Calculated Tax Rate6.1121.9916.4618.3521.1119.14
Cash and Equivalents Turnover122.0176.4754.6417.0515.6716.08
Cash Flow Per Share4.
Total Assets Per Share269.27302.6325.29347.49328.74282.75
Book Value per Share31.0537.5942.7243.0326.1633.2
Debt to Equity Ratio6.467.556.966.5311.3610.13
Dividends per Basic Common Share1.
EBITDA Margin0.110.0920.0330.190.0250.0257
Earnings per Basic Share0.444.423.183.4(0.06)(0.0616)
Earnings per Diluted Share0.444.43.173.39(0.06)(0.0616)
Earnings per Basic Share USD0.444.423.183.4(0.06)(0.0616)
Enterprise Value over EBIT15.
Enterprise Value over EBITDA45.738.210.669.4356.761.17
Free Cash Flow per Share6.24.833.064.884.124.28
Gross Margin0.350.330.290.440.410.32
Profit Margin0.0740.140.0150.13(0.002)(0.002053)
Payout Ratio0.272.590.260.38(21.33)(21.9)
Price to Earnings Ratio85.119.8813.2211.38(622.83)(639.22)
Price to Sales Ratio1.311.271.341.221.121.33
Return on Invested Capital0.0090.0030.0210.0130.0010.001026
Return on Sales0.0860.0270.180.140.0050.005132
Sales per Share28.6734.3131.2731.6733.2434.19
Tangible Assets Book Value per Share264.24293.82316.7337.98317.48322.4

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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
Dividend Share
Earnings Share
Revenue Per Share
Quarterly Revenue Growth
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.