Horace Mann Educators Stock Z Score

HMN Stock

USD 36.74 0.02 0.05%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out Horace Mann Piotroski F Score and Horace Mann Valuation analysis.

At this time, Horace Mann's Net Invested Capital is very stable compared to the past year. As of the 27th of April 2024, Capital Expenditures is likely to grow to about 174.1 M, while Capital Surpluse is likely to drop about 493.9 M. At this time, Horace Mann's Depreciation And Amortization is very stable compared to the past year. As of the 27th of April 2024, Cost Of Revenue is likely to grow to about 857.1 M, while Selling General Administrative is likely to drop about 173.5 M.

Horace Mann Educators Company Z Score Analysis

Horace Mann's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Horace Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for Horace Mann is extremely important. It helps to project a fair market value of Horace Stock properly, considering its historical fundamentals such as Z Score. Since Horace Mann's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Horace Mann's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Horace Mann's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Total Liab	Short Term Debt	Intangible Assets	Net Receivables	Total Current Assets	Common Stock	Short Term Investments	Long Term Debt	Good Will	Treasury Stock	Property Plant Equipment	Accounts Payable	Net Tangible Assets	Long Term Debt Total	Capital Surpluse	Long Term Investments	Short Long Term Debt	Net Invested Capital	Capital Stock
Total Assets		0.87	0.22	0.97	1.0	0.32	0.23	0.44	0.67	0.72	0.54	0.29	-0.03	-0.89	0.48	0.53	0.55	0.49	0.7	0.45	0.29	0.27	0.37
Total Stockholder Equity	0.87		-0.08	0.85	0.83	0.28	0.05	0.42	0.5	0.46	0.64	0.17	-0.35	-0.78	0.24	0.17	0.7	0.1	0.42	0.49	0.32	0.44	0.04
Net Debt	0.22	-0.08		0.2	0.27	0.2	0.12	0.47	0.52	0.49	-0.52	0.72	0.59	-0.25	0.92	0.71	0.24	0.71	0.73	-0.02	-0.2	0.29	0.73
Retained Earnings	0.97	0.85	0.2		0.97	0.32	0.16	0.37	0.55	0.79	0.47	0.36	0.11	-0.84	0.47	0.49	0.43	0.56	0.72	0.41	0.24	0.15	0.42
Total Liab	1.0	0.83	0.27	0.97		0.32	0.25	0.44	0.69	0.74	0.51	0.3	0.02	-0.89	0.5	0.57	0.52	0.54	0.73	0.44	0.28	0.24	0.41
Short Term Debt	0.32	0.28	0.2	0.32	0.32		0.42	-0.06	0.02	0.27	0.19	0.36	0.14	-0.43	0.18	0.32	0.38	0.32	0.41	0.53	0.85	0.07	0.22
Intangible Assets	0.23	0.05	0.12	0.16	0.25	0.42		0.03	0.02	-0.01	0.32	0.13	0.02	-0.44	-0.04	0.54	0.16	0.27	0.38	0.59	0.49	-0.19	-0.03
Net Receivables	0.44	0.42	0.47	0.37	0.44	-0.06	0.03		0.73	0.07	0.05	0.21	-0.06	-0.39	0.54	0.37	0.37	0.24	0.37	-0.07	-0.12	0.49	-0.02
Total Current Assets	0.67	0.5	0.52	0.55	0.69	0.02	0.02	0.73		0.43	0.13	0.09	-0.12	-0.57	0.66	0.49	0.51	0.33	0.47	-0.05	0.0	0.58	0.36
Common Stock	0.72	0.46	0.49	0.79	0.74	0.27	-0.01	0.07	0.43		-0.02	0.57	0.53	-0.55	0.67	0.57	0.23	0.78	0.8	0.16	-0.01	0.06	0.87
Short Term Investments	0.54	0.64	-0.52	0.47	0.51	0.19	0.32	0.05	0.13	-0.02		-0.33	-0.55	-0.58	-0.37	-0.02	0.34	-0.22	0.0	0.59	0.5	-0.01	-0.41
Long Term Debt	0.29	0.17	0.72	0.36	0.3	0.36	0.13	0.21	0.09	0.57	-0.33		0.62	-0.39	0.75	0.49	0.29	0.62	0.78	0.37	-0.13	0.17	0.62
Good Will	-0.03	-0.35	0.59	0.11	0.02	0.14	0.02	-0.06	-0.12	0.53	-0.55	0.62		0.1	0.49	0.49	-0.42	0.8	0.54	-0.19	-0.25	-0.44	0.69
Treasury Stock	-0.89	-0.78	-0.25	-0.84	-0.89	-0.43	-0.44	-0.39	-0.57	-0.55	-0.58	-0.39	0.1		-0.46	-0.49	-0.59	-0.39	-0.68	-0.69	-0.38	-0.26	-0.25
Property Plant Equipment	0.48	0.24	0.92	0.47	0.5	0.18	-0.04	0.54	0.66	0.67	-0.37	0.75	0.49	-0.46		0.61	0.37	0.69	0.78	0.02	-0.22	0.42	0.76
Accounts Payable	0.53	0.17	0.71	0.49	0.57	0.32	0.54	0.37	0.49	0.57	-0.02	0.49	0.49	-0.49	0.61		0.29	0.79	0.85	0.32	0.11	0.05	0.62
Net Tangible Assets	0.55	0.7	0.24	0.43	0.52	0.38	0.16	0.37	0.51	0.23	0.34	0.29	-0.42	-0.59	0.37	0.29		-0.06	0.41	0.57	0.31	0.82	0.13
Long Term Debt Total	0.49	0.1	0.71	0.56	0.54	0.32	0.27	0.24	0.33	0.78	-0.22	0.62	0.8	-0.39	0.69	0.79	-0.06		0.84	0.06	0.02	-0.24	0.78
Capital Surpluse	0.7	0.42	0.73	0.72	0.73	0.41	0.38	0.37	0.47	0.8	0.0	0.78	0.54	-0.68	0.78	0.85	0.41	0.84		0.43	0.07	0.16	0.74
Long Term Investments	0.45	0.49	-0.02	0.41	0.44	0.53	0.59	-0.07	-0.05	0.16	0.59	0.37	-0.19	-0.69	0.02	0.32	0.57	0.06	0.43		0.49	0.11	-0.02
Short Long Term Debt	0.29	0.32	-0.2	0.24	0.28	0.85	0.49	-0.12	0.0	-0.01	0.5	-0.13	-0.25	-0.38	-0.22	0.11	0.31	0.02	0.07	0.49		-0.05	-0.16
Net Invested Capital	0.27	0.44	0.29	0.15	0.24	0.07	-0.19	0.49	0.58	0.06	-0.01	0.17	-0.44	-0.26	0.42	0.05	0.82	-0.24	0.16	0.11	-0.05		0.1
Capital Stock	0.37	0.04	0.73	0.42	0.41	0.22	-0.03	-0.02	0.36	0.87	-0.41	0.62	0.69	-0.25	0.76	0.62	0.13	0.78	0.74	-0.02	-0.16	0.1

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict Horace Mann

According to the company's disclosures, Horace Mann Educators has a Z Score of 0.0. This is 100.0% lower than that of the Insurance sector and about the same as Financials (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

Horace Mann Institutional Holders

Institutional Holdings refers to the ownership stake in Horace Mann that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Horace Mann's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Horace Mann's value.

		Shares
Deprince Race & Zollo Inc	2023-12-31	845.8 K
Bank Of America Corp	2023-12-31	804.3 K
Goldman Sachs Group Inc	2023-12-31	685.8 K
Ameriprise Financial Inc	2023-12-31	538.6 K
Morgan Stanley - Brokerage Accounts	2023-12-31	536.5 K
Charles Schwab Investment Management Inc	2023-12-31	523.6 K
Bank Of New York Mellon Corp	2023-12-31	486 K
Bragg Financial Advisors Inc	2023-12-31	471.6 K
Palisade Capital Management Llc	2023-12-31	416.3 K
Blackrock Inc	2023-12-31	5.9 M
Vanguard Group Inc	2023-12-31	5.1 M

Horace Fundamentals

	Return On Equity	0.0396
	Return On Asset	0.0038
	Profit Margin	0.03 %
	Operating Margin	0.14 %
	Current Valuation	2.81 B
	Shares Outstanding	40.94 M
	Shares Owned By Insiders	1.68 %
	Shares Owned By Institutions	98.32 %
	Number Of Shares Shorted	654.43 K
	Price To Earning	11.86 X
	Price To Book	1.19 X
	Price To Sales	0.94 X
	Revenue	1.49 B
	Gross Profit	345 M
	EBITDA	26.2 M
	Net Income	45 M
	Cash And Equivalents	146.4 M
	Cash Per Share	3.58 X
	Total Debt	546 M
	Debt To Equity	0.40 %
	Current Ratio	2.90 X
	Book Value Per Share	28.78 X
	Cash Flow From Operations	302.1 M
	Short Ratio	3.12 X
	Earnings Per Share	1.09 X
	Price To Earnings To Growth	2.52 X
	Target Price	40.5
	Number Of Employees	1.7 K
	Beta	0.28
	Market Capitalization	1.52 B
	Total Asset	11.68 B
	Retained Earnings	1.5 B
	Annual Yield	0.04 %
	Five Year Return	2.94 %
	Net Asset	11.68 B
	Last Dividend Paid	1.32

About Horace Mann Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Horace Mann Educators's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Horace Mann using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Horace Mann Educators based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

Horace Mann Investors Sentiment

The influence of Horace Mann's investor sentiment on the probability of its price appreciation or decline could be a good factor in your decision-making process regarding taking a position in Horace. The overall investor sentiment generally increases the direction of a stock movement in a one-year investment horizon. However, the impact of investor sentiment on the entire stock market does not have solid backing from leading economists and market statisticians.

Investor biases related to Horace Mann's public news can be used to forecast risks associated with an investment in Horace. The trend in average sentiment can be used to explain how an investor holding Horace can time the market purely based on public headlines and social activities around Horace Mann Educators. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.

Horace Mann's market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for Horace Mann's and other traded tickers. The bigger the bubble, the more accurate is the estimated score. Higher bars for a given day show more participation in the average Horace Mann's news discussions. The higher the estimated score, the more favorable is the investor's outlook on Horace Mann.

Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Horace Mann in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Horace Mann's short interest history, or implied volatility extrapolated from Horace Mann options trading.

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When determining whether Horace Mann Educators offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Horace Mann's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Horace Mann Educators Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Horace Mann Educators Stock:

How To Invest In Horace

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Is Horace Stock a good investment?

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What is Horace Mann's Net Worth?

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Largest Insurance - Property & Casualty Companies

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Check out Horace Mann Piotroski F Score and Horace Mann Valuation analysis.

You can also try the Economic Indicators module to top statistical indicators that provide insights into how an economy is performing.

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When running Horace Mann's price analysis, check to measure Horace Mann's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Horace Mann is operating at the current time. Most of Horace Mann's value examination focuses on studying past and present price action to predict the probability of Horace Mann's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Horace Mann's price. Additionally, you may evaluate how the addition of Horace Mann to your portfolios can decrease your overall portfolio volatility.

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Is Horace Mann's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Horace Mann. If investors know Horace will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Horace Mann listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0.43)

Dividend Share

1.32

Earnings Share

1.09

Revenue Per Share

36.123

Quarterly Revenue Growth

0.163

The market value of Horace Mann Educators is measured differently than its book value, which is the value of Horace that is recorded on the company's balance sheet. Investors also form their own opinion of Horace Mann's value that differs from its market value or its book value, called intrinsic value, which is Horace Mann's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Horace Mann's market value can be influenced by many factors that don't directly affect Horace Mann's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Horace Mann's value and its price as these two are different measures arrived at by different means. Investors typically determine if Horace Mann is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Horace Mann's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Horace Mann Educators Stock Z Score

Horace Mann Educators Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Horace Z Score Driver Correlations

Horace Mann Institutional Holders

Horace Fundamentals

About Horace Mann Fundamental Analysis

Horace Mann Investors Sentiment

Building efficient market-beating portfolios requires time, education, and a lot of computing power!

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