Horace Mann Educators (HMN): Is There More Value to Uncover in This 2024 Rally?

Simply Wall St.10-22

Horace Mann Educators (HMN) is starting to catch more attention after its shares moved just above the flat line this week. While recent trading has been fairly muted, investors seem to be weighing its...

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While recent trading has been fairly muted, investors seem to be weighing its...</p>\n\n<a href=\"https://simplywall.st/stocks/us/insurance/nyse-hmn/horace-mann-educators/news/horace-mann-educators-hmn-is-there-more-value-to-uncover-in\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Horace Mann Educators (HMN): Is There More Value to Uncover in This 2024 Rally?</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nHorace Mann Educators (HMN): Is There More Value to Uncover in This 2024 Rally?\n</h2>\n\n<h4 class=\"meta\">\n\n\n2025-10-22 09:26 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/insurance/nyse-hmn/horace-mann-educators/news/horace-mann-educators-hmn-is-there-more-value-to-uncover-in><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Horace Mann Educators (HMN) is starting to catch more attention after its shares moved just above the flat line this week. While recent trading has been fairly muted, investors seem to be weighing its...</p>\n\n<a href=\"https://simplywall.st/stocks/us/insurance/nyse-hmn/horace-mann-educators/news/horace-mann-educators-hmn-is-there-more-value-to-uncover-in\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4117","symbol_name":"多元化保险","start_time":0,"source_url":"https://simplywall.st/stocks/us/insurance/nyse-hmn/horace-mann-educators/news/horace-mann-educators-hmn-is-there-more-value-to-uncover-in","article_id":"2577233865","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/7213000-choice1-main-header/1585187033619"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/insurance/nyse-hmn/horace-mann-educators/news/horace-mann-educators-hmn-is-there-more-value-to-uncover-in","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2577233865","pubTimestamp":1761096413,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"Horace Mann Educators (HMN) is starting to catch more attention after its shares moved just above the flat line this week. While recent trading has been fairly muted, investors seem to be weighing its consistent financial performance in comparison with broader market dynamics.\nSee our latest analysis for Horace Mann Educators.\nWith shares currently at $44.40, Horace Mann Educators has quietly put together a 14.76% share price gain year-to-date, and its one-year total shareholder return stands...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4117":"多元化保险","HMN":"霍勒斯曼恩","DCF":"Dreyfus Alcentra Global Credit Income 2024 Target Term Fund, Inc"},"translate_title":"Horace Mann Educators(HMN)：2024年的集会还有更多价值有待发现吗？","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"DCF":1,"HMN":1.5},"content_text":"Horace Mann Educators (HMN) is starting to catch more attention after its shares moved just above the flat line this week. While recent trading has been fairly muted, investors seem to be weighing its consistent financial performance in comparison with broader market dynamics.\nSee our latest analysis for Horace Mann Educators. With shares currently at $44.40, Horace Mann Educators has quietly put together a 14.76% share price gain year-to-date, and its one-year total shareholder return stands at a robust 26.16%. Momentum has picked up noticeably over the past 90 days, which suggests that investor sentiment may be shifting more favorably toward the company’s growth prospects and consistent performance. If this steady upward trend has sparked your curiosity, now is a great time to broaden your horizons and discover fast growing stocks with high insider ownership So with shares rising but trading roughly 10 percent below analyst targets, is Horace Mann Educators currently undervalued, or does the market already reflect its future growth? Could this be a window for buyers to get in? AdvertisementMost Popular Narrative: 9.4% Undervalued With Horace Mann Educators closing at $44.40 and the most followed narrative setting a fair value at $49, the price suggests some untapped upside. The difference points to a potentially overlooked growth story reflected in current expectations.  Ongoing expansion of digital engagement platforms and proprietary technology solutions (such as the Catalyst lead management system) are improving agent productivity and making it easier for educators to engage. This is likely to drive increased policy sales, higher customer conversion rates, and improved customer retention, which can positively impact both revenue growth and net margins.  Read the complete narrative. What future levers could power this re-rating? There is a pivotal shift evident in operational upgrades and product mix. The underlying forecasts rely on a specific path for steady expansion and a margin transformation, but the real financial drivers remain less visible. Interested in the complete picture behind the price target? Click through to get the exact growth blueprint and see which assumptions hold the key to the valuation. Result: Fair Value of $49 (UNDERVALUED) Have a read of the narrative in full and understand what's behind the forecasts. However, the narrative could be challenged by Horace Mann’s heavy reliance on aging educator customers and the potential for rising catastrophe-related insurance claims. Find out about the key risks to this Horace Mann Educators narrative. Another View: Discounted Cash Flow Model Taking a different approach, the SWS DCF model produces a result quite at odds with analyst forecasts. The DCF calculation pegs Horace Mann Educators’ fair value at just $29.85 per share. This suggests the current price is well above that long-term estimate. Could this signal the market is being too optimistic? Look into how the SWS DCF model arrives at its fair value. HMN Discounted Cash Flow as at Oct 2025Simply Wall St performs a discounted cash flow (DCF) on every stock in the world every day (check out Horace Mann Educators for example). We show the entire calculation in full. You can track the result in your watchlist or portfolio and be alerted when this changes, or use our stock screener to discover undervalued stocks based on their cash flows. If you save a screener we even alert you when new companies match - so you never miss a potential opportunity.  Build Your Own Horace Mann Educators Narrative If you see things differently or want to dig into the numbers yourself, building your own perspective takes just a few minutes. Why not Do it your way? A good starting point is our analysis highlighting 5 key rewards investors are optimistic about regarding Horace Mann Educators. Looking for more investment ideas? Smart investors like you are always on the lookout for new ways to grow wealth. Don’t let great opportunities slip past. See how other potential winners stack up right now on Simply Wall Street.  Capture steady income streams and scan these 17 dividend stocks with yields > 3%, featuring strong yields above 3 percent, favored by long-term investors chasing financial resilience. Uncover emerging companies shaping the next digital frontier by checking out these 24 AI penny stocks and revealing who’s leading the artificial intelligence race. Take advantage of bargain pricing opportunities, evaluating these 877 undervalued stocks based on cash flows for stocks that may be poised for meaningful gains based on future cash flows.   This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.Valuation is complex, but we're here to simplify it.Discover if Horace Mann Educators might be undervalued or overvalued with our detailed analysis, featuring fair value estimates, potential risks, dividends, insider trades, and its financial condition.Access Free AnalysisHave feedback on this article? Concerned about the content? Get in touch with us directly. 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