HORACE MANN EDUCATORS CORP /DE/ (HMN)
Fire, Marine & Casualty Insurance · Financial Services · $3.2B
Intrinsic Value (Consensus)
$72.94
Current Price
$78.00
Margin of Safety
-6.5%
6.5% Above Intrinsic Value
Value: $73
Price: $78
Valuation Model Estimates
Current Price: $78.00
DCF (Discounted Cash Flow)
$530.07
Graham Number
$55.92
Earnings Power Value
$37.86
Relative Value (P/E)
$78.00
Dividend Discount Model
$120.00
Consensus Value
$72.94
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Key Financials
- EPS (TTM)
- $3.90
- EPS (Forward)
- $4.68
- Book Value
- $35.64
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 10.9%
- Debt/Equity
- 40%
- Revenue Growth
- 6.7%
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.5%
- Beta
- 1.00
Data last updated: 2026-06-12
Source: Yahoo Finance