Horace Mann Educators Corp chart

Last update: 2022-12-30
Key statistics and financials
Revenue per share 33.24
Dividend & Yield1.28$ (3.46%)
Beta 0.43
Market capitalization 1.5B
Operating cash flow N/A
ESG Scores unknown

Company description

Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. The company operates in three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits. It underwrites and markets personal lines of property and casualty insurance, including personal lines auto and property insurance products; supplemental insurance products, which include cancer, heart, hospital, supplemental disability, and accident coverages; retirement products, such as tax-qualified fixed, fixed indexed, and variable annuities; and life insurance products comprising whole life and term, as well as indexed universal life insurance products. The company also offers student loan solutions, including online student loan management accounts for educators. It markets its products through its sales force of full-time exclusive agents to K-12 teachers, administrators, and other employees of public schools and their families. The company was founded in 1945 and is headquartered in Springfield, Illinois.

Sector: Financial Services - Industry: Insurance—Property & Casualty

Financial Ratios
Quick Ratio2.73
Working Capital0.08
Return On Equity0.08
Debt To Equity0.57
Fixed Asset Ratio0.03
Fixed Interest Cover13.58

Financial data

Financial Statements

Cashflow Statement 2019-12-31 2020-12-31 2021-12-31 2022-12-31
Change To Liabilities
Total Cashflows From Investing Activities 55.9M -406.8M -302M
Net Borrowings -194.6M 11.3M -296.7M
Total Cash From Financing Activities -169.9M 143.8M 208.5M
Change To Operating Activities 25.9M 78.5M 57.3M
Issuance Of Stock 1.7M 2.4M 300k
Net Income 184.4M 133.3M 142.8M -2.6M
Change In Cash 13.6M -3.2M 111.4M
Effect Of Exchange Rate
Total Cash From Operating Activities 127.6M 259.8M 204.9M
Depreciation 15.6M 23.4M 18.4M
Change To Account Receivables
Other Cashflows From Financing Activities 74M 184.2M 563.6M
Change To Netincome -127.1M 16.3M -22.1M
Capital Expenditures

Income Statement 2019-12-31 2020-12-31 2021-12-31 2022-12-31
Research Development
Income Before Tax 236.4M 159.6M 174.9M -11.9M
Net Income 184.4M 133.3M 142.8M -2.6M
Selling General Administrative 234.6M 237.8M 251.5M 315.9M
Gross Profit 523.4M 437M 453.3M 345M
Ebit 280M 184.8M 188.8M 12.3M
Operating Income 280M 184.8M 188.8M 12.3M
Interest Expense -15.6M -15.2M -13.9M -19.4M
Income Tax Expense 52M 26.3M 32.1M -9.3M
Total Revenue 1.43B 1.31B 1.33B 1.38B
Cost Of Revenue 907.1M 873.4M 876.8M 1.04B
Total Other Income ExpenseNet -43.6M -25.2M -13.9M -24.2M
Net Income From Continuing Ops 184.4M 133.3M 142.8M -2.6M
Net Income Applicable To Common Shares 184.4M 133.3M 142.8M -2.6M

Balance Sheet Statement 2019-12-31 2020-12-31 2021-12-31 2022-12-31
Total Liabilities 10.91B 11.68B 12.58B
Total Stockholder Equity 1.57B 1.79B 1.81B 1.08B
Other Current Liabilities 388.51M 387.8M 374.7M
Total Assets 12.48B 13.47B 14.38B
Common Stock 66k 100k 100k
Other Current Assets 2.49B 2.56B 2.61B
Retained Earnings 1.35B 1.43B 1.52B
Treasury Stock -266.28M -133M -212.9M
Cash 25.51M 21.8M 133M
Total Current Liabilities 966.36M 975.2M 1.07B
Other Stockholder Equity 219.68M 355.1M 280.5M
Property, Plant, and Equipment 76.61M 77.3M 75M
Total Current Assets 2.7B 2.74B 2.91B
Net Tangible Assets 1.34B 1.59B 1.75B 1.01B
Net Receivables 12.18M 12.6M 9.5M
Accounts Payable 442.85M 438.8M 425.9M


Insider Transactions

Here are the insider transactions of stock shares related to Horace Mann Educators Corp:

Filer Name Transaction Text Ownership Date Filer Relation Shares
SHARPE MATTHEW PSale at price 33.99 per share.D2023-01-30Officer3.48k
MCCLURE BEVERLEY JSale at price 37.43 per share.D2023-01-03Director560
SHARPE MATTHEW PSale at price 37.94 per share.D2022-12-27Officer3.5k
SHARPE MATTHEW PSale at price 37.66 per share.D2022-11-28Officer3.5k
BRADLEY THOMAS APurchase at price 38.32 per share.D2022-11-09Director2.5k
SHARPE MATTHEW PSale at price 37.91 per share.D2022-10-24Officer3.5k
SHARPE MATTHEW PSale at price 36.04 per share.D2022-09-26Officer3.5k
MCCLURE BEVERLEY JSale at price 35.21 per share.D2022-09-01Director560
SHARPE MATTHEW PSale at price 36.12 per share.D2022-08-29Officer3.5k
SHARPE MATTHEW PSale at price 34.43 per share.D2022-07-29Officer3.5k
MCCLURE BEVERLEY JSale at price 38.07 per share.D2022-06-06Director525
HINES PERRY GLENNStock Award(Grant) at price 0.00 per share.D2022-05-25Director2.91k
CASADY MARK SStock Award(Grant) at price 0.00 per share.D2022-05-25Director2.91k
KONEN MARK EStock Award(Grant) at price 0.00 per share.D2022-05-25Director2.91k
SARSYNSKI ELAINE AStock Award(Grant) at price 0.00 per share.D2022-05-25Director2.91k
BRADLEY THOMAS AStock Award(Grant) at price 0.00 per share.D2022-05-25Director2.91k
MCCLURE BEVERLEY JStock Award(Grant) at price 0.00 per share.D2022-05-25Director2.91k
DOMENECH DANIEL AStock Award(Grant) at price 0.00 per share.D2022-05-25Director2.91k
REECE HENRY WADEStock Award(Grant) at price 0.00 per share.D2022-05-25Director2.91k
BRADLEY THOMAS APurchase at price 37.96 per share.D2022-05-11Director5k
MCCLURE BEVERLEY JSale at price 42.25 per share.D2022-04-04Director525
CONKLIN BRET AStock Award(Grant) at price 0.00 per share.D2022-03-09Chief Financial Officer10.1k
ZURAITIS MARITAStock Award(Grant) at price 0.00 per share.D2022-03-09Chief Executive Officer45.69k
DESROCHERS MARK R.Stock Award(Grant) at price 0.00 per share.D2022-03-09Officer5.12k
SHARPE MATTHEW PStock Award(Grant) at price 0.00 per share.D2022-03-09Officer11.7k
CARLEY DONALD MStock Award(Grant) at price 0.00 per share.D2022-03-09General Counsel6.73k
JOHNSON KIMBERLY AStock Award(Grant) at price 0.00 per share.D2022-03-09Officer5.53k
THAYER JENNIFERStock Award(Grant) at price 0.00 per share.D2022-03-09Officer2.62k
WECKENBROCK MICHAELStock Award(Grant) at price 0.00 per share.D2022-03-09Officer3.92k
FULKS STEPHANIE AStock Award(Grant) at price 0.00 per share.D2022-03-09Officer2.71k
JOHNSON KIMBERLY ASale at price 41.27 per share.D2022-02-10Officer1.5k
MCCLURE BEVERLEY JSale at price 38.92 per share.D2022-01-03Director525
BRADLEY THOMAS APurchase at price 40.47 per share.D2021-11-10Director2.5k
BRADLEY THOMAS AStock Award(Grant) at price 0.00 per share.D2021-11-05Director2.71k
MCCLURE BEVERLEY JSale at price 41.25 per share.D2021-10-11Director525
STRICKER ROBERTSale at price 40.37 per share.D2021-09-29Director1k
ZURAITIS MARITASale at price 40.00 per share.D2021-09-24Chief Executive Officer3.33k
ZURAITIS MARITASale at price 40.39 per share.D2021-08-16Chief Executive Officer3.33k
ZURAITIS MARITASale at price 40.00 per share.D2021-07-30Chief Executive Officer10k
MCCLURE BEVERLEY JSale at price 39.93 per share.D2021-06-01Director550
HINES PERRY GLENNStock Award(Grant) at price 0.00 per share.D2021-05-26Director2.8k
CASADY MARK SStock Award(Grant) at price 0.00 per share.D2021-05-26Director2.8k
KONEN MARK EStock Award(Grant) at price 0.00 per share.D2021-05-26Director2.8k
SARSYNSKI ELAINE AStock Award(Grant) at price 0.00 per share.D2021-05-26Director2.8k
STRICKER ROBERTStock Award(Grant) at price 0.00 per share.D2021-05-26Director2.8k
MCCLURE BEVERLEY JStock Award(Grant) at price 0.00 per share.D2021-05-26Director2.8k
SWYERS STEVEN OStock Award(Grant) at price 0.00 per share.D2021-05-26Director2.8k
DOMENECH DANIEL AStock Award(Grant) at price 0.00 per share.D2021-05-26Director2.8k
REECE HENRY WADEStock Award(Grant) at price 0.00 per share.D2021-05-26Director4.72k
ZURAITIS MARITASale at price 42.59 per share.D2021-04-15Chief Executive Officer3.33k
SANDERS DERIK TYSONStock Award(Grant) at price 0.00 per share.D2021-04-15Officer1.18k

Insider transaction explanations

Insider buying is the legal purchase of shares by a senior executive or director of a company. "Filer Name" corresponds to the name of the stock buyer or seller. "Transaction Text" describes the transaction. "Ownership" gives information about the transaction type. "Date" is the reported transaction date. "Filer Relation" gives the role of the insider in the company. "Shares" is the value of the transaction. You will find the complete description of the General Transaction Codes on the SEC dedicated page


Investment strategy backtesting

These are the result of three automatic investment systems applied to Horace Mann Educators Corp. You will find the performance of an systematic investment system, a momentum strategy, and a buy the dip trading strategy.


Systematic investment results on Horace Mann Educators Corp

Here is the result of two systematic investment strategies applied to Horace Mann Educators Corp. The first strategy automatically buys the first day of the month, and the second strategy buys the fifteenth day of the month.

Systematic investment equity curve on Horace Mann Educators Corp

The following chart shows the equity curve of the two systematic investment strategies applied to Horace Mann Educators Corp:

Horace Mann Educators Corp automated entries

The systematic investment strategy that buys the first day of the month would give a performance of -2.47% on the backtest period.

Performance at glance

Performance

-2.47 %

Latent gain

-57.31 $

Invested capital

2316.22 $

Annualized return

-0.6 %
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Momentum strategy results on Horace Mann Educators Corp

This is the result of two momentum investment strategies applied to Horace Mann Educators Corp. The first strategy uses a momentum signal calculated on one quarter, and the second uses a momentum signal calculated on two quarters.

Momentum entry openings on Horace Mann Educators Corp

The following chart shows all the entries opened by the momentum investment system on Horace Mann Educators Corp:

Horace Mann Educators Corp momentum entries
  • The first momentum investment strategy would give -0.73% of return on Horace Mann Educators Corp. That represents -40.94$ of latent gain with 5628.77$ of employed capital.
  • The second momentum investment strategy would give -0.35% of return on Horace Mann Educators Corp. That represents -12.22$ of latent gain with 3539.29$ of employed capital.
Performance at glance (1Q Momentum)

Performance

-0.73 %

Latent gain

-40.94 $

Invested capital

5628.77 $

Annualized return

-2.22 %
Performance at glance (2Q Momentum)

Performance

-0.35 %

Latent gain

-12.22 $

Invested capital

3539.29 $

Annualized return

-0.1 %

Momentum equity curve on Horace Mann Educators Corp

The following chart shows the equity curve of the two momentum strategies applied to Horace Mann Educators Corp:

Horace Mann Educators Corp momentum equity

Note: the dividends potentially given by Horace Mann Educators Corp are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on Horace Mann Educators Corp

The following chart shows the employed capital evolution of the two momentum strategies on Horace Mann Educators Corp since the beginning:

Horace Mann Educators Corp

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250$, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000$.


Buy the dip strategy result on Horace Mann Educators Corp

Buy the dip entry openings on Horace Mann Educators Corp

Horace Mann Educators Corp

The performance achieved by the robo-advisor on Horace Mann Educators Corp is -4.75%. That represents -59.34$ of latent gain with 1248.24$ of employed capital. The following chart shows Horace Mann Educators Corp stock price with all the entries opened by the automated investment system.

Note: The blue line represents the weekly stock price of Horace Mann Educators Corp, and the green triangles represent the entry openings. The artificall robo-advisor needs at least 100 weeks of trading history to work.

Performance at glance

Performance

-4.75 %

Latent gain

-59.34 $

Invested capital

1248.24 $

Annualized return

-2.22 %

Equity curve of the strategy applied to Horace Mann Educators Corp

The following chart shows the result of the investment strategy applied to Horace Mann Educators Corp:

Horace Mann Educators Corp

Note: the dividends potentially given by Horace Mann Educators Corp are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on Horace Mann Educators Corp

The following chart shows the employed capital evolution since the beginning of the investment strategy on Horace Mann Educators Corp:

Horace Mann Educators Corp

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250$, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000$.


Investment strategies comparison on Horace Mann Educators Corp

In this section, I will compare the three previous investment strategies applied to Horace Mann Educators Corp.

Equity curve comparison on Horace Mann Educators Corp

The following chart shows the equity curve of the artificall advisor, the trend folowing and the automatic investment strategies:

Horace Mann Educators Corp investment strategy comparison

Employed capital comparison on Horace Mann Educators Corp

Horace Mann Educators Corp investment comparison

Performance comparison on Horace Mann Educators Corp

Strategy Latent Profit Growth Employed capital CAGR
Automatic investment -2.47% -57.31$ 2316.22$ -0.6%
Momentum 1 quarter -0.73% -40.94$ 5628.77$ -0.19%
Momentum 2 quarters -0.35% -12.22$ 3539.29$ -0.1%
Non-directional -4.75% -59.34$ 1248.24$ -2.22%
Annualized return comparison

Automatic investment

-0.6 %

Momentum 1Q

-0.1 %

Momentum 2Q

-0.1 %

Non-directional

-2.22 %

Correlated stocks

Here are the most positively and negatively correlated stocks with Horace Mann Educators Corp:

Note: The algorithm computes the probability of correlation between Horace Mann Educators Corp and the other stocks. There may be false positives or some missing correlated stocks. If the price of Horace Mann Educators Corp does not vary for 36 weeks, the correlation calculation result will be wrong.


Company information

Company name Horace Mann Educators Corp
Country United States
City Springfield
Address 1 Horace Mann Plaza
Phone 217 789 2500
Website www.horacemann.com
FullTime employees
Industry Insurance—Property & Casualty
Sector Financial Services
Exchange XNYS
Ticker HMN
Market www.nyse.com

Horace Mann Educators Corp ESG Scores

Environment scores

Environment ESG Factors Scores
Environment Score 0
Peer Environment Performance unknown
Environment Percentile unknown
Palm Oil unknown
Nuclear unknown
Fur Leather unknown
GMO unknown
Coal unknown
Pesticides unknown
Animal Testing unknown

Social scores

Social ESG Factors Scores
Social Score 0
Peer Social Performance unknown
Social Percentile unknown
Highest Controversy unknown
Peer Highest Controversy Performance unknown
Adult unknown
Gambling unknown
Alcoholic unknown
Tobacco unknown
Catholic unknown
Controversial Weapons unknown
Small Arms unknown
Military Contract unknown
Peer Count unknown

Related Controversy:


Governance scores

Governance ESG Factors Scores
Governance Score 0
Peer Governance Performance unknown
Governance Percentile unknown

ESG at glance
Total ESG Scores: unknown
Environment Score: 0
Social Score: 0
Governance Score: 0

ESG Performance: unknown

Peer Group: unknown

Peer Esg Score Performance: unknown

Rating Year: unknown

Rating Month: unknown

Max Age: unknown

Percentile: unknown