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STOCKS

Horace Mann Educators Corp. (HMN)

NYSE:HMN

HMN

Horace Mann Educators

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Horace Mann Educators (HMN) Ratios

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Horace Mann Educators Ratios

HMN's free cash flow for Q1 2025 was $0.00. For the 2025 fiscal year, HMN's free cash flow was decreased by $ and operating cash flow was $0.00. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	45.77	0.00	24.31	27.00	49.73
Quick Ratio	45.77	0.00	27.50	29.20	49.73
Cash Ratio	0.19	0.00	0.17	0.53	0.17
Solvency Ratio	0.02	<0.01	<0.01	0.02	0.01
Operating Cash Flow Ratio	0.94	0.00	0.69	0.82	1.92
Short-Term Operating Cash Flow Coverage	0.94	0.00	0.69	0.82	1.92
Net Current Asset Value	$ -4.73B	$ -12.85B	$ -6.16B	$ -5.85B	$ -4.97B
Leverage Ratios
Debt-to-Assets Ratio	0.03	0.04	0.04	0.03	0.03
Debt-to-Equity Ratio	0.28	0.46	0.45	0.28	0.24
Debt-to-Capital Ratio	0.22	0.32	0.31	0.22	0.20
Long-Term Debt-to-Capital Ratio	0.16	0.32	0.18	0.12	0.14
Financial Leverage Ratio	7.96	11.95	12.12	7.96	7.53
Debt Service Coverage Ratio	7.81	3.40	0.25	0.80	17.69
Interest Coverage Ratio	14.25	1.79	0.94	10.50	8.89
Debt to Market Cap	0.24	0.40	0.32	0.31	0.25
Interest Debt Per Share	10.88	13.94	12.44	12.30	10.93
Net Debt to EBITDA	0.33	4.73	7.17	1.52	0.15
Profitability Margins
Gross Profit Margin	100.00%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	84.81%	5.56%	2.60%	16.84%	203.03%
EBITDA Margin	85.91%	7.32%	4.60%	18.22%	204.81%
Operating Profit Margin	15.54%	3.57%	1.32%	10.97%	10.32%
Pretax Profit Margin	16.53%	3.57%	1.19%	13.15%	12.18%
Net Profit Margin	12.89%	3.02%	1.43%	12.81%	10.17%
Continuous Operations Profit Margin	12.89%	3.02%	1.43%	12.81%	10.17%
Net Income Per EBT	78.00%	84.43%	120.00%	97.43%	83.52%
EBT Per EBIT	106.34%	100.00%	90.16%	119.88%	118.05%
Return on Assets (ROA)	1.48%	0.32%	0.15%	1.18%	0.99%
Return on Equity (ROE)	11.77%	3.83%	1.80%	9.43%	7.45%
Return on Capital Employed (ROCE)	1.80%	0.38%	0.14%	1.03%	1.01%
Return on Invested Capital (ROIC)	1.32%	0.42%	0.17%	0.83%	0.79%
Return on Tangible Assets	1.51%	0.33%	0.15%	1.20%	1.00%
Earnings Yield	10.24%	3.33%	1.27%	10.48%	7.66%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.00	0.00	0.00
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	23.79	21.75	19.94	20.15	20.25
Asset Turnover	0.11	0.11	0.10	0.09	0.10
Working Capital Turnover Ratio	-0.84	-16.78	0.23	0.20	0.21
Cash Conversion Cycle	0.00	0.00	0.00	0.00	0.00
Days of Sales Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	0.00	0.00	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	3.09	7.31	4.12	4.88	6.27
Free Cash Flow Per Share	-8.48	7.31	4.98	4.93	8.65
CapEx Per Share	11.58	0.00	0.86	0.05	2.38
Free Cash Flow to Operating Cash Flow	-2.74	1.00	1.21	1.01	1.38
Dividend Paid and CapEx Coverage Ratio	0.24	5.60	1.94	3.82	1.75
Capital Expenditure Coverage Ratio	0.27	0.00	4.80	89.09	2.64
Operating Cash Flow Coverage Ratio	0.29	0.55	0.34	0.41	0.59
Operating Cash Flow to Sales Ratio	0.09	0.20	0.12	0.15	0.20
Free Cash Flow Yield	-19.43%	22.37%	13.33%	12.75%	20.58%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.76	30.01	78.51	9.54	13.06
Price-to-Sales (P/S) Ratio	1.26	0.91	1.13	1.22	1.33
Price-to-Book (P/B) Ratio	1.15	1.15	1.42	0.90	0.97
Price-to-Free Cash Flow (P/FCF) Ratio	-5.15	4.47	7.50	7.84	4.86
Price-to-Operating Cash Flow Ratio	14.11	4.47	9.06	7.93	6.70
Price-to-Earnings Growth (PEG) Ratio	0.01	0.24	-0.91	1.34	-0.47
Price-to-Fair Value	1.15	1.15	1.42	0.90	0.97
Enterprise Value Multiple	1.80	17.10	31.65	8.23	0.80
Enterprise Value	2.21B	1.87B	2.01B	2.00B	2.16B
EV to EBITDA	1.80	17.10	31.65	8.23	0.80
EV to Sales	1.54	1.25	1.45	1.50	1.65
EV to Free Cash Flow	-6.31	6.18	9.70	9.63	6.02
EV to Operating Cash Flow	17.31	6.18	11.72	9.74	8.30
Tangible Book Value Per Share	32.52	23.02	20.64	38.54	38.35
Shareholders’ Equity Per Share	38.01	28.46	26.40	43.03	43.22
Tax and Other Ratios
Effective Tax Rate	0.22	0.16	-0.20	0.18	0.16
Revenue Per Share	34.69	36.12	33.21	31.67	31.64
Net Income Per Share	4.47	1.09	0.48	4.06	3.22
Tax Burden	0.78	0.84	1.20	0.97	0.84
Interest Burden	0.19	0.64	0.46	0.78	0.06
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	0.00	0.00	0.00	0.00
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	0.69	6.71	-65.96	1.43	1.95

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