Horace Mann Educators Balance Sheet Health
Financial Health criteria checks 4/6
Horace Mann Educators has a total shareholder equity of $1.3B and total debt of $591.7M, which brings its debt-to-equity ratio to 46%. Its total assets and total liabilities are $14.7B and $13.4B respectively. Horace Mann Educators's EBIT is $162.2M making its interest coverage ratio 4.7. It has cash and short-term investments of $131.0M.
Key information
46.0%
Debt to equity ratio
US$591.70m
Debt
| Interest coverage ratio | 4.7x |
| Cash | US$131.00m |
| Equity | US$1.29b |
| Total liabilities | US$13.43b |
| Total assets | US$14.71b |
Recent financial health updates
No updates
Recent updates
Horace Mann Educators Corporation (NYSE:HMN) Analysts Are Pretty Bullish On The Stock After Recent Results
Nov 07
Market Still Lacking Some Conviction On Horace Mann Educators Corporation (NYSE:HMN)
Sep 13Horace Mann Educators Corporation Earnings Missed Analyst Estimates: Here's What Analysts Are Forecasting Now
May 12Investors Interested In Horace Mann Educators Corporation's (NYSE:HMN) Earnings
Apr 25Fewer Investors Than Expected Jumping On Horace Mann Educators Corporation (NYSE:HMN)
Jan 23Horace Mann Educators: Earnings Report Falls Flat
Aug 08Horace Mann Educators: Consistent Dividend But P&C Segment Is Struggling
Feb 21Horace Mann Educators Q4 results hit by Winter Storm Elliott
Jan 24Horace Mann Educators declares $0.32 dividend
Sep 06Horace Mann Educators reports Q2 earnings; raises FY22 EPS guidance
Aug 05Horace Mann Educators price target cut post Q2 results estimates and lower 2022 outlook
Jul 14Financial Position Analysis
Short Term Liabilities: HMN's short term assets ($3.0B) exceed its short term liabilities ($1.1B).
Long Term Liabilities: HMN's short term assets ($3.0B) do not cover its long term liabilities ($12.4B).
Debt to Equity History and Analysis
Debt Level: HMN's net debt to equity ratio (35.8%) is considered satisfactory.
Reducing Debt: HMN's debt to equity ratio has increased from 27.4% to 46% over the past 5 years.
Debt Coverage: HMN's debt is well covered by operating cash flow (61.1%).
Interest Coverage: HMN's interest payments on its debt are well covered by EBIT (4.7x coverage).
Balance Sheet
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/26 10:05 |
| End of Day Share Price | 2024/12/26 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Horace Mann Educators Corporation is covered by 10 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Bijan Moazami | Guggenheim Securities, LLC |
| Robert Glasspiegel | Janney Montgomery Scott LLC |
| Matthew Carletti | JMP Securities |