HMN PE Ratio & Valuation,Is HMN Overvalued

HMN Relative Valuation

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. If the market price exceeds this fair value range, HMN is overvalued; if below, it's undervalued.

Historical Valuation

Horace Mann Educators Corp (HMN) is now in the Fair zone, suggesting that its current forward PE ratio of 10.53 is considered Fairly compared with the five-year average of 16.83. The fair price of Horace Mann Educators Corp (HMN) is between 28.99 to 116.48 according to relative valuation methord.

Relative Value

Fair Zone

28.99-116.48

Current Price：46.11

Fair

10.53

0.00

EV/EBITDA

Horace Mann Educators Corp. (HMN) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Horace Mann Educators Corp. (HMN) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

1.03

Horace Mann Educators Corp. (HMN) has a current PS of 1.03. The 5-year average PS is 1.02. The thresholds are as follows: Strongly Undervalued below 0.70, Undervalued between 0.70 and 0.86, Fairly Valued between 1.18 and 0.86, Overvalued between 1.18 and 1.34, and Strongly Overvalued above 1.34. The current Forward PS of 1.03 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Horace Mann Educators Corp. (HMN) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Horace Mann Educators Corp. (HMN) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Horace Mann Educators Corp (HMN) has a current Price-to-Book (P/B) ratio of 1.31. Compared to its 3-year average P/B ratio of 1.23 , the current P/B ratio is approximately 5.82% higher. Relative to its 5-year average P/B ratio of 1.15, the current P/B ratio is about 13.24% higher. Horace Mann Educators Corp (HMN) has a Forward Free Cash Flow (FCF) yield of approximately 32.88%. Compared to its 3-year average FCF yield of 21.33%, the current FCF yield is approximately 54.11% lower. Relative to its 5-year average FCF yield of 17.78% , the current FCF yield is about 84.93% lower.

1.31

P/B

Median3y

1.23

Median5y

1.15

32.88

FCF Yield

Median3y

21.33

Median5y

17.78

Competitors Valuation Multiple

The average P/S ratio for HMN's competitors is 1.25, providing a benchmark for relative valuation. Horace Mann Educators Corp Corp (HMN) exhibits a P/S ratio of 1.03, which is -17.24% above the industry average. Given its robust revenue growth of 6.97%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of HMN increased by 17.54% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 8.42 to 13.37.

The secondary factor is the Revenue Growth, contributed 6.97%to the performance.

Overall, the performance of HMN in the past 1 year is driven by Margin Expansion. Which is more sustainable.

6.97%

407.60M → 436.00M

Revenue Growth

58.79%

8.42 → 13.37

Margin Expansion

-48.22%

22.53 → 11.67

P/E Change

17.54%

39.23 → 46.11

Mkt Cap Growth

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Frequently Asked Questions

Is Horace Mann Educators Corp (HMN) currently overvalued or undervalued?

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 28.99 to 116.48 according to relative valuation methord.

How does HMN's valuation metrics compare to the industry average?

What is the current P/B ratio for Horace Mann Educators Corp (HMN) as of Dec 15 2025?

As of Dec 15 2025, Horace Mann Educators Corp (HMN) has a P/B ratio of 1.31. This indicates that the market values HMN at 1.31 times its book value.

What is the current FCF Yield for Horace Mann Educators Corp (HMN) as of Dec 15 2025?

As of Dec 15 2025, Horace Mann Educators Corp (HMN) has a FCF Yield of 32.88%. This means that for every dollar of Horace Mann Educators Corp’s market capitalization, the company generates 32.88 cents in free cash flow.

What is the current Forward P/E ratio for Horace Mann Educators Corp (HMN) as of Dec 15 2025?

As of Dec 15 2025, Horace Mann Educators Corp (HMN) has a Forward P/E ratio of 10.53. This means the market is willing to pay $10.53 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 Dec 15 2025?

As of Dec 15 2025, Horace Mann Educators Corp (HMN) has a Forward P/S ratio of 1.03. This means the market is valuing HMN at $1.03 for every dollar of expected revenue over the next 12 months.

HMN Valuation

HMN Valuation

HMN Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

People Also Watch

Frequently Asked Questions

Is Horace Mann Educators Corp (HMN) currently overvalued or undervalued?

What is Horace Mann Educators Corp (HMN) fair value?

How does HMN's valuation metrics compare to the industry average?

What is the current P/B ratio for Horace Mann Educators Corp (HMN) as of Dec 15 2025?

What is the current FCF Yield for Horace Mann Educators Corp (HMN) as of Dec 15 2025?

What is the current Forward P/E ratio for Horace Mann Educators Corp (HMN) as of Dec 15 2025?

What is the current Forward P/S ratio for Horace Mann Educators Corp (HMN) as of Dec 15 2025?