Horace Mann Educators

Digital Engagement And K-12 Trends Will Drive Future Success

AN

AnalystConsensusTarget

AnalystConsensusTarget

Not Invested

Based on Analyst Price Targets

Published

14 Sep 24

Updated

30 Nov 25

n/a

n/a

AnalystConsensusTarget's Fair Value

n/a

1Y

11.2%

7D

5.7%

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1Y

11.2%

7D

5.7%

You can edit this narrative until Dec 1 10:10 AM. Then, changes will post as Updates.

Author's Valuation

US$50.679.0% undervalued

AnalystConsensusTarget Fair Value

Shared on 30 Nov 25

Fair value Increased 0.66%

HMN: Full-Year EPS Guidance And Stable Margins Will Influence Future Shareholder Returns

Analysts have raised their price target for Horace Mann Educators slightly, increasing the fair value estimate from $50.33 to $50.67. They cite minor adjustments in discount rate and forward price-to-earnings assumptions.

Shared on 16 Nov 25

Fair value Increased 2.72%

HMN: Future EPS Guidance And Revenue Outlook Will Shape Next Year’s Returns

Analysts have raised their price target for Horace Mann Educators from $49.00 to $50.33, citing improved revenue growth outlook. This comes despite a modest increase in the discount rate and a slight dip in projected profit margins.

Shared on 01 May 25

Fair value Increased 8.22%

Shared on 23 Apr 25

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 17 Apr 25

AnalystConsensusTarget has decreased revenue growth from 7.5% to 5.1% and increased future PE multiple from 10.1x to 12.0x.

Shared on 09 Apr 25

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 02 Apr 25

Fair value Increased 2.12%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 26 Mar 25

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 19 Mar 25

Fair value Decreased 0.63%

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 11 Mar 25

Fair value Increased 2.53%

AnalystConsensusTarget has decreased revenue growth from 6.6% to 5.3% and increased shares outstanding growth rate from -0.0% to 0.0%.

AnalystConsensusTarget Fair Value

US$50.67

9.0% undervalued

Future estimation in

% p.a.

0

Decrease

Increase

Current revenue growth rate

5.89%

Insurance revenue growth rate

0.28%

Risk Level (Discount Rate)

Our default considers factors like the company's size, volatility, profitablity and country of operation.

%

0

Decrease

Increase

Current discount rate

7.09%

Calculation

US$222.04m

Earnings '28

x

11.21x

PE Ratio '28

=

US$2.49b

Market Cap '28

US$2.49b

Market Cap '28

/

40.13m

No. shares '28

=

US$62.05

Share Price '28

US$62.05 Share Price '28

Discounted to 2025 @ 7.10% p.a.

=

US$50.50

Fair Value '25