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Upturn AI SWOT - About
HMN 
Horace Mann Educators Corporation (HMN)
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Upturn Advisory Summary
06/30/2025: HMN (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $46.5
1 Year Target Price $46.5
| 1 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 10.29% | Avg. Invested days 55 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.75B USD | Price to earnings Ratio 15.57 | 1Y Target Price 46.5 |
Price to earnings Ratio 15.57 | 1Y Target Price 46.5 | ||
Volume (30-day avg) 3 | Beta 0.3 | 52 Weeks Range 30.72 - 44.08 | Updated Date 06/30/2025 |
52 Weeks Range 30.72 - 44.08 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 3.26% | Basic EPS (TTM) 2.76 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 7.04% | Operating Margin (TTM) 13.55% |
Management Effectiveness
Return on Assets (TTM) 0.78% | Return on Equity (TTM) 8.97% |
Valuation
Trailing PE 15.57 | Forward PE - | Enterprise Value 2270478141 | Price to Sales(TTM) 1.08 |
Enterprise Value 2270478141 | Price to Sales(TTM) 1.08 | ||
Enterprise Value to Revenue 1.45 | Enterprise Value to EBITDA - | Shares Outstanding 40779100 | Shares Floating 40554412 |
Shares Outstanding 40779100 | Shares Floating 40554412 | ||
Percent Insiders 1.6 | Percent Institutions 105.82 |
Analyst Ratings
Rating 2 | Target Price 46.5 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Horace Mann Educators Corporation
Company Overview
History and Background
Horace Mann Educators Corporation, founded in 1945, is a financial services company focusing on educators. It started as a single life insurance company and has grown through acquisitions and product diversification to provide a range of insurance and financial solutions.
Core Business Areas
- Property & Casualty: Offers auto, home, and umbrella insurance policies tailored to educators' needs.
- Life Insurance: Provides term, whole, and universal life insurance products to protect educators and their families.
- Retirement Solutions: Offers fixed, variable, and tax-qualified annuities, mutual funds, and other retirement planning services for educators.
Leadership and Structure
Horace Mann is led by Marita Zuraitis, President and CEO. The company has a board of directors and operates with a functional organizational structure based on business lines.
Top Products and Market Share
Key Offerings
- Auto Insurance: Auto insurance is a significant part of their property & casualty segment. Educators are generally considered a lower-risk demographic. Competitors include State Farm, GEICO, and Progressive. Market share data specific to educator-focused auto insurance is limited, but Horace Mann likely holds a meaningful share within this niche.
- Fixed Annuities: Horace Mann offers fixed annuities as a retirement savings vehicle for educators. The annuity market is highly competitive with companies like Athene, MassMutual, and New York Life. Market share varies, with Horace Mann likely holding a smaller, specialized portion focused on educators.
- Life Insurance: Life insurance products offer financial protection for educators and their families. Competitors include Prudential, MetLife, and Northwestern Mutual. Market share is smaller and difficult to determine due to the varying types of life insurance and the many larger competitors.
Market Dynamics
Industry Overview
The financial services industry is characterized by intense competition, evolving regulatory landscapes, and increasing customer expectations. There is also a growing demand for personalized advice and digital solutions.
Positioning
Horace Mann differentiates itself by focusing exclusively on educators. This niche strategy allows them to tailor products and services to the specific needs of teachers and school employees, creating a competitive advantage in that segment.
Total Addressable Market (TAM)
The total addressable market for insurance and financial services for educators is substantial, encompassing millions of educators and billions of dollars in assets. Horace Mann is positioned to capture a portion of this TAM through its specialized offerings and strong relationships within the education community.
Upturn SWOT Analysis
Strengths
- Strong brand recognition and reputation within the education community
- Dedicated focus on educators, allowing for specialized products and services
- Established distribution network through educators' associations and school districts
- High customer loyalty among educators
- Experienced management team
Weaknesses
- Limited product diversification compared to larger financial services companies
- Exposure to regulatory changes in the insurance and financial services industries
- Potential for adverse claims experience in property and casualty insurance
- Concentration of business in the education sector
- Smaller size compared to large national insurance providers
Opportunities
- Expanding product offerings to meet the evolving needs of educators
- Leveraging technology to enhance customer service and streamline operations
- Increasing market penetration in underserved geographic areas
- Developing strategic partnerships with educational institutions and organizations
- Capitalizing on the growing demand for financial planning and retirement solutions
Threats
- Intense competition from larger, more diversified financial services companies
- Economic downturns that could impact educators' ability to purchase insurance and financial products
- Changes in government funding for education
- Adverse changes in interest rates impacting annuity profitability
- Increasing claims costs due to natural disasters and other events
Competitors and Market Share
Key Competitors
- SFARM
- PRU
- MET
- NYL
Competitive Landscape
Horace Mann's advantage lies in its focus on educators, which allows it to tailor products and build strong relationships. However, it faces challenges from larger, more diversified competitors with greater resources and broader product offerings.
Major Acquisitions
National Teachers Associates Life Insurance Company
- Year: 2011
- Acquisition Price (USD millions): 113
- Strategic Rationale: Expanded Horace Mann's presence in the supplemental insurance market for educators.
Growth Trajectory and Initiatives
Historical Growth: Horace Mann's historical growth has been driven by organic growth, product diversification, and acquisitions.
Future Projections: Future growth projections would depend on analyst estimates and company guidance, which are not available at this time.
Recent Initiatives: Recent strategic initiatives would include new product launches, technology investments, and partnerships with educational organizations.
Summary
Horace Mann is a niche player focusing on educators with a recognized brand and tailored products. It benefits from loyal customers but faces competition from larger financial services companies. While focused initiatives drive growth, maintaining financial stability amid economic uncertainties is crucial for success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Horace Mann Educators Corporation Investor Relations
- Company Filings (SEC)
- Market Research Reports
- Industry Analysis
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data is approximate and may vary. Financial data is based on available information and may not be completely up-to-date.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Horace Mann Educators Corporation
Exchange NYSE | Headquaters Springfield, IL, United States | ||
IPO Launch date 1991-11-15 | President, CEO & Director Ms. Marita Zuraitis | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 1750 | Website https://www.horacemann.com |
Full time employees 1750 | Website https://www.horacemann.com | ||
Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. It operates through Property & Casualty, Life & Retirement, and Supplemental & Group Benefits segments. The Property & Casualty segment offers insurance products, including private passenger auto insurance, residential home insurance, and personal umbrella insurance; standard auto coverage including liability, collision, and comprehensive; and property coverage for homeowners and renters. The Life & Retirement segment markets tax-qualified fixed, fixed indexed, and variable annuities; the Horace Mann Retirement Advantage open architecture platform and other defined contribution plans; traditional term, whole life insurance products, and indexed universal life (IUL) products. This segment also offers Life by Design, a portfolio of individual whole life and individual term insurance products that address the financial planning needs of educators; Life Select, a combination product that mixes a base of either traditional whole life, 20-pay life, or life paid-up at age 65 with a variety of term riders; single premium whole life products; and cash value term. The Supplemental & Group Benefits segment offers employer-sponsored products, including accident, critical illness, limited-benefit fixed indemnity insurance, term life, and short-term and long-term disability, as well as worksite direct products, such as supplemental heart, cancer, disability, and accident coverages. The company offers individual protection and savings solutions, including auto insurance, property insurance, liability insurance, 403(b) retirement plans, mutual funds, life insurance, student loan solutions, credit monitoring, and financial wellness workshops. It distributes its products and services through agents, brokers, and benefit specialists, as well as direct and digital channels. The company was founded in 1945 and is headquartered in Springfield, Illinois.
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