Update shared on 14 Dec 2025
Analysts have modestly raised their price target on Horace Mann Educators to approximately $50.67 per share, citing slightly lower discount rate and revenue growth assumptions. These are offset by expectations for improved profit margins and a lower future P/E multiple, which together support a marginally stronger valuation profile.
What's in the News
- Raised full-year 2025 core EPS guidance to a range of $4.50 to $4.70, signaling stronger expected profitability compared to prior expectations (company guidance).
- Reaffirmed expectation of delivering a double digit shareholder return on equity for 2025, underscoring management's confidence in capital efficiency and returns (company guidance).
- Guidance update supports the thesis of improving margins and earnings quality, reinforcing the basis for modest upward revisions to valuation estimates (company guidance).
Valuation Changes
- Fair Value Estimate: Unchanged at approximately $50.67 per share, indicating a stable intrinsic valuation despite underlying assumption tweaks.
- Discount Rate: Fallen slightly from about 7.10 percent to 7.09 percent, reflecting a marginally lower perceived risk profile or cost of capital.
- Revenue Growth: Reduced slightly from roughly 6.20 percent to 6.09 percent, pointing to a modestly more conservative top line outlook.
- Net Profit Margin: Risen moderately from about 11.06 percent to 11.81 percent, suggesting expectations for improved operating efficiency and earnings conversion.
- Future P/E: Declined moderately from around 11.21x to 10.53x, implying a slightly lower valuation multiple embedded in the updated forecast.
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