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How to buy Horace Mann Educators Corporation stock | $42.04

Own Horace Mann Educators Corporation stock in just a few minutes.

Fact checked

Horace Mann Educators Corporation is an insurance-property & casualty business based in the US. Horace Mann Educators Corporation shares (HMN) are listed on the NYSE and all prices are listed in US Dollars. Horace Mann Educators Corporation employs 1,538 staff and has a trailing 12-month revenue of around USD$1.3 billion.

How to buy shares in Horace Mann Educators Corporation

  1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
  2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
  3. Search for Horace Mann Educators Corporation. Find the stock by name or ticker symbol: HMN. Research its history to confirm it's a solid investment against your financial goals.
  4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until Horace Mann Educators Corporation reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
  5. Decide on how many to buy. At last close price of USD$42.04, weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of Horace Mann Educators Corporation, depending on your broker.
  6. Check in on your investment. Congratulations, you own a part of Horace Mann Educators Corporation. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

Horace Mann Educators Corporation share price

Use our graph to track the performance of HMN stocks over time.

Horace Mann Educators Corporation shares at a glance

Information last updated 2020-12-27.
Latest market closeUSD$42.04
52-week rangeUSD$29.7653 - USD$44.6614
50-day moving average USD$40.9532
200-day moving average USD$37.5921
Wall St. target priceUSD$43.5
PE ratio 14.7962
Dividend yield USD$1.2 (2.87%)
Earnings per share (TTM) USD$2.821

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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

Is it a good time to buy Horace Mann Educators Corporation stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Horace Mann Educators Corporation price performance over time

Historical closes compared with the close of $42.04 from 2020-12-31

1 week (2021-01-08) -1.82%
1 month (2020-12-15) -3.56%
3 months (2020-10-15) 19.98%
6 months (2020-07-15) 9.05%
1 year (2020-01-15) -3.33%
2 years (2019-01-15) 8.38%
3 years (2018-01-12) 44.05
5 years (2016-01-15) 40.79%

Is Horace Mann Educators Corporation under- or over-valued?

Valuing Horace Mann Educators Corporation stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of Horace Mann Educators Corporation's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

Horace Mann Educators Corporation's P/E ratio

Horace Mann Educators Corporation's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 15x. In other words, Horace Mann Educators Corporation shares trade at around 15x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

Horace Mann Educators Corporation's PEG ratio

Horace Mann Educators Corporation's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 2.52. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.

The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into Horace Mann Educators Corporation's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.

Horace Mann Educators Corporation's EBITDA

Horace Mann Educators Corporation's EBITDA (earnings before interest, taxes, depreciation and amortisation) is USD$180.9 million.

The EBITDA is a measure of a Horace Mann Educators Corporation's overall financial performance and is widely used to measure a its profitability.

Horace Mann Educators Corporation financials

Revenue TTM USD$1.3 billion
Operating margin TTM 12.28%
Gross profit TTM USD$523.5 million
Return on assets TTM 0.78%
Return on equity TTM 7.2%
Profit margin 9.24%
Book value $41.445
Market capitalisation USD$1.7 billion

TTM: trailing 12 months

Shorting Horace Mann Educators Corporation shares

There are currently 537,037 Horace Mann Educators Corporation shares held short by investors – that's known as Horace Mann Educators Corporation's "short interest". This figure is 3.2% up from 520,291 last month.

There are a few different ways that this level of interest in shorting Horace Mann Educators Corporation shares can be evaluated.

Horace Mann Educators Corporation's "short interest ratio" (SIR)

Horace Mann Educators Corporation's "short interest ratio" (SIR) is the quantity of Horace Mann Educators Corporation shares currently shorted divided by the average quantity of Horace Mann Educators Corporation shares traded daily (recently around 234513.97379913). Horace Mann Educators Corporation's SIR currently stands at 2.29. In other words for every 100,000 Horace Mann Educators Corporation shares traded daily on the market, roughly 2290 shares are currently held short.

However Horace Mann Educators Corporation's short interest can also be evaluated against the total number of Horace Mann Educators Corporation shares, or, against the total number of tradable Horace Mann Educators Corporation shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case Horace Mann Educators Corporation's short interest could be expressed as 0.01% of the outstanding shares (for every 100,000 Horace Mann Educators Corporation shares in existence, roughly 10 shares are currently held short) or 0.0175% of the tradable shares (for every 100,000 tradable Horace Mann Educators Corporation shares, roughly 18 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against Horace Mann Educators Corporation.

Find out more about how you can short Horace Mann Educators Corporation stock.

Horace Mann Educators Corporation share dividends

40%

Dividend payout ratio: 39.74% of net profits

Recently Horace Mann Educators Corporation has paid out, on average, around 39.74% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 2.87% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), Horace Mann Educators Corporation shareholders could enjoy a 2.87% return on their shares, in the form of dividend payments. In Horace Mann Educators Corporation's case, that would currently equate to about $1.2 per share.

While Horace Mann Educators Corporation's payout ratio might seem fairly standard, it's worth remembering that Horace Mann Educators Corporation may be investing much of the rest of its net profits in future growth.

Horace Mann Educators Corporation's most recent dividend payout was on 31 December 2020. The latest dividend was paid out to all shareholders who bought their shares by 15 December 2020 (the "ex-dividend date").

Have Horace Mann Educators Corporation's shares ever split?

Horace Mann Educators Corporation's shares were split on a 2:1 basis on 16 December 1997. So if you had owned 1 share the day before before the split, the next day you'd have owned 2 shares. This wouldn't directly have changed the overall worth of your Horace Mann Educators Corporation shares – just the quantity. However, indirectly, the new 50% lower share price could have impacted the market appetite for Horace Mann Educators Corporation shares which in turn could have impacted Horace Mann Educators Corporation's share price.

Horace Mann Educators Corporation share price volatility

Over the last 12 months, Horace Mann Educators Corporation's shares have ranged in value from as little as $29.7653 up to $44.6614. A popular way to gauge a stock's volatility is its "beta".

HMN.US volatility(beta: 0.65)Avg. volatility(beta: 1.00)LowHigh

Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while Horace Mann Educators Corporation's is 0.6541. This would suggest that Horace Mann Educators Corporation's shares are less volatile than average (for this exchange).

Horace Mann Educators Corporation overview

Horace Mann Educators Corporation, together with its subsidiaries, operates as a multiline insurance company in the United States. The Company operates through five segments: Property and Casualty, Supplemental, Retirement, Life, and Corporate and Other. It underwrites and markets personal lines of property and casualty insurance, including personal lines automobile and property insurance products; supplemental insurance products, which includes heart, cancer, accident, and limited supplemental disability coverages; retirement products, such as tax-qualified fixed and variable annuities; and life insurance products. The company markets its products through its sales force of full-time exclusive distributors and independent agents to K-12 teachers, administrators, and other employees of public schools and their families. Horace Mann Educators Corporation was founded in 1945 and is headquartered in Springfield, Illinois.

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