Horace Mann Educators Corp (NYSE:HMN)

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Price: 40.94 USD 0.27%

Market Cap: 1.7B USD

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Section:

Relative Value

The Relative Value of one HMN stock under the Base Case scenario is 54.41 USD. Compared to the current market price of 40.94 USD, Horace Mann Educators Corp is Undervalued by 25%.

Relative Value is the estimated value of a stock based on various valuation multiples like P/E and EV/EBIT ratios. It offers a quick snapshot of a stock's valuation in relation to its peers and historical norms.

What is Relative Valuation?

How is Relative Value calculated?

HMN Relative Value

Base Case

Worst Case

Base Case

Best Case

Valuation Multiples

1.1

P/S

vs History	49
vs Industry	55

Median 5Y

1.1

Industry

1.1

Forward

More Details

P/E

vs History	28
vs Industry	22

Median 5Y

Industry

12.8

Forward

15.9

More Details

1.3

P/B

vs History	11
vs Industry	54

Median 5Y

1.1

Industry

1.5

More Details

1.5

Price/Premiums

vs History	50
vs Industry	41

Median 5Y

1.5

Industry

1.2

More Details

Multiples Across Competitors

All Multiples

P/S

P/E

P/B

Forward Multiples

			Market Cap	P/S	P/E	P/B
US		Horace Mann Educators Corp NYSE:HMN	1.7B USD	1.1	16	1.3
DE		Allianz SE XETRA:ALV	111.7B EUR	0.8	8.3	1.9
CH		Zurich Insurance Group AG SIX:ZURN	78B CHF	1.2	17.9	3.6
FR		AXA SA PAR:CS	73.4B EUR	0.8	10.2	1.6
US		American International Group Inc NYSE:AIG	49.2B USD	1.4	-72.7	1.1
CN		China Pacific Insurance Group Co Ltd SSE:601601	343.6B CNY	1.2	10.1	1.3
IT		Assicurazioni Generali SpA MIL:G	39.9B EUR	0.7	11.2	1.4
US		Hartford Financial Services Group Inc NYSE:HIG	33.9B USD	1.3	11.3	2
FI	S	Sampo plc OTC:SAXPF	21.6B USD	2.1	14.6	2.9
FI		Sampo Oyj OMXH:SAMPO	20.1B EUR	2.1	14.3	2.9
DE		Talanx AG XETRA:TLX	20.1B EUR	0.5	10.9	1.8

				Revenue Growth
US		Horace Mann Educators Corp NYSE:HMN	Average P/S: 1.2 1.1	25%
DE		Allianz SE XETRA:ALV	0.8	91%
CH		Zurich Insurance Group AG SIX:ZURN	1.2	-7%
FR		AXA SA PAR:CS	0.8	9%
US		American International Group Inc NYSE:AIG	1.4	-40%
CN		China Pacific Insurance Group Co Ltd SSE:601601	1.2	15%
IT		Assicurazioni Generali SpA MIL:G	0.7	96%
US		Hartford Financial Services Group Inc NYSE:HIG	1.3	23%
FI	S	Sampo plc OTC:SAXPF	2.1	0%
FI		Sampo Oyj OMXH:SAMPO	2.1	0%
DE		Talanx AG XETRA:TLX	0.5	27%

				Earnings Growth
US		Horace Mann Educators Corp NYSE:HMN	Average P/E: 12.5 16	277%
DE		Allianz SE XETRA:ALV	8.3	37%
CH		Zurich Insurance Group AG SIX:ZURN	17.9	55%
FR		AXA SA PAR:CS	10.2	31%
US		American International Group Inc NYSE:AIG	Negative Multiple: -72.7	43%
CN		China Pacific Insurance Group Co Ltd SSE:601601	10.1	35%
IT		Assicurazioni Generali SpA MIL:G	11.2	24%
US		Hartford Financial Services Group Inc NYSE:HIG	11.3	52%
FI	S	Sampo plc OTC:SAXPF	14.6	6%
FI		Sampo Oyj OMXH:SAMPO	14.3	16%
DE		Talanx AG XETRA:TLX	10.9	45%


US		Horace Mann Educators Corp NYSE:HMN	Average P/B: 2 1.3
DE		Allianz SE XETRA:ALV	1.9
CH		Zurich Insurance Group AG SIX:ZURN	3.6
FR		AXA SA PAR:CS	1.6
US		American International Group Inc NYSE:AIG	1.1
CN		China Pacific Insurance Group Co Ltd SSE:601601	1.3
IT		Assicurazioni Generali SpA MIL:G	1.4
US		Hartford Financial Services Group Inc NYSE:HIG	2
FI	S	Sampo plc OTC:SAXPF	2.9
FI		Sampo Oyj OMXH:SAMPO	2.9
DE		Talanx AG XETRA:TLX	1.8

US	Johnson & Johnson NYSE:JNJ	Pharmaceuticals
US	Estee Lauder Companies Inc NYSE:EL	Consumer products
US	Exxon Mobil Corp NYSE:XOM	Energy
US	Church & Dwight Co Inc NYSE:CHD	Consumer products
US	Pfizer Inc NYSE:PFE	Pharmaceuticals
US	American Express Co NYSE:AXP	Financial Services
US	Nike Inc NYSE:NKE	Textiles, Apparel & Luxury Goods
US	Visa Inc NYSE:V	Technology
CN	Alibaba Group Holding Ltd NYSE:BABA	Retail
US	3M Co NYSE:MMM	Industrial Conglomerates
US	JPMorgan Chase & Co NYSE:JPM	Banking
US	Coca-Cola Co NYSE:KO	Beverages
US	Target Corp NYSE:TGT	Retail
US	Walt Disney Co NYSE:DIS	Media
US	Mueller Industries Inc NYSE:MLI	Machinery
US	PayPal Holdings Inc NASDAQ:PYPL	Technology

Horace Mann Educators Corp
NYSE:HMN

Relative Value

Valuation Multiples

Multiples Across Competitors

HMN Competitors Multiples
Horace Mann Educators Corp Competitors

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Horace Mann Educators Corp NYSE:HMN

Relative Value

Valuation Multiples

Multiples Across Competitors

HMN Competitors Multiples Horace Mann Educators Corp Competitors

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Horace Mann Educators Corp
NYSE:HMN

HMN Competitors Multiples
Horace Mann Educators Corp Competitors