Historical Valuation
Horace Mann Educators Corp (HMN) is now in the Fair zone, suggesting that its current forward PE ratio of 10.32 is considered Fairly compared with the five-year average of 16.82. The fair price of Horace Mann Educators Corp (HMN) is between 28.42 to 115.85 according to relative valuation methord.
Relative Value
Fair Zone
28.42-115.85
Current Price：45.05
Fair
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Horace Mann Educators Corp (HMN) has a current Price-to-Book (P/B) ratio of 1.28. Compared to its 3-year average P/B ratio of 1.23 , the current P/B ratio is approximately 3.92% higher. Relative to its 5-year average P/B ratio of 1.16, the current P/B ratio is about 10.65% higher. Horace Mann Educators Corp (HMN) has a Forward Free Cash Flow (FCF) yield of approximately 33.56%. Compared to its 3-year average FCF yield of 21.76%, the current FCF yield is approximately 54.18% lower. Relative to its 5-year average FCF yield of 18.01% , the current FCF yield is about 86.30% lower.
P/B
Median3y
1.23
Median5y
1.16
FCF Yield
Median3y
21.76
Median5y
18.01
Competitors Valuation Multiple
AI Analysis for HMN
The average P/S ratio for HMN competitors is 1.22, providing a benchmark for relative valuation. Horace Mann Educators Corp Corp (HMN.N) exhibits a P/S ratio of 1.01, which is -16.65% above the industry average. Given its robust revenue growth of 6.97%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for HMN
1Y
3Y
5Y
Market capitalization of HMN increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of HMN in the past 1 year is driven by Unknown.
People Also Watch
Frequently Asked Questions
Is HMN currently overvalued or undervalued?
Horace Mann Educators Corp (HMN) is now in the Fair zone, suggesting that its current forward PE ratio of 10.32 is considered Fairly compared with the five-year average of 16.82. The fair price of Horace Mann Educators Corp (HMN) is between 28.42 to 115.85 according to relative valuation methord.
What is Horace Mann Educators Corp (HMN) fair value?
HMN's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Horace Mann Educators Corp (HMN) is between 28.42 to 115.85 according to relative valuation methord.
How does HMN's valuation metrics compare to the industry average?
The average P/S ratio for HMN's competitors is 1.22, providing a benchmark for relative valuation. Horace Mann Educators Corp Corp (HMN) exhibits a P/S ratio of 1.01, which is -16.65% above the industry average. Given its robust revenue growth of 6.97%, this premium appears unsustainable.
What is the current P/B ratio for Horace Mann Educators Corp (HMN) as of Jan 09 2026?
As of Jan 09 2026, Horace Mann Educators Corp (HMN) has a P/B ratio of 1.28. This indicates that the market values HMN at 1.28 times its book value.
What is the current FCF Yield for Horace Mann Educators Corp (HMN) as of Jan 09 2026?
As of Jan 09 2026, Horace Mann Educators Corp (HMN) has a FCF Yield of 33.56%. This means that for every dollar of Horace Mann Educators Corp’s market capitalization, the company generates 33.56 cents in free cash flow.
What is the current Forward P/E ratio for Horace Mann Educators Corp (HMN) as of Jan 09 2026?
As of Jan 09 2026, Horace Mann Educators Corp (HMN) has a Forward P/E ratio of 10.32. This means the market is willing to pay $10.32 for every dollar of Horace Mann Educators Corp’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Horace Mann Educators Corp (HMN) as of Jan 09 2026?
As of Jan 09 2026, Horace Mann Educators Corp (HMN) has a Forward P/S ratio of 1.01. This means the market is valuing HMN at $1.01 for every dollar of expected revenue over the next 12 months.