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Horace Mann Educators Corporation
HMNFinancial ServicesNYSEUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $1.62B | 10.0% | $162.49M | $97.49M | N/A |
| 2027 | $1.71B | 10.0% | $170.61M | $102.37M | $93.06M |
| 2028 | $1.79B | 10.0% | $179.15M | $107.49M | $88.83M |
| 2029 | $1.88B | 10.0% | $188.10M | $112.86M | $84.79M |
| 2030 | $1.98B | 10.0% | $197.51M | $118.50M | $80.94M |
| 2031 | $2.07B | 10.0% | $207.38M | $124.43M | $77.26M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $3.90 | 2025-12-31 |
| EPS growth | +57.8% | Forecast years: 5 |
| Future EPS | $38.159 | EPS × (1 + G)^5 |
| Base P/E | 11.8 | P/E |
| Future price | $450.28 | Future EPS × P/E |
| Fair value today | $279.59 | PV @ 10.0% |
| 30% safety price | $195.71 | Margin of safety |
| 50% safety price | $139.79 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $38.466 | $42.891 | $48.924 |
| 10.0% | $33.98 | $37.242 | $41.508 |
| 11.0% | $30.44 | $32.924 | $36.071 |