Horace Mann Educators (Horace Mann Educators) GF Value : $43.94 (As of Apr. 25, 2024)

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What is Horace Mann Educators GF Value?

The GF Value represents the current intrinsic value of a stock derived from our exclusive method. The GF Value Line on our summary page gives an overview of the fair value that the stock should be traded at. It is calculated based on three factors:

Historical multiples (PE Ratio, PS Ratio, PB Ratio and Price-to-Free-Cash-Flow) that the stock has traded at.
GuruFocus adjustment factor based on the company’s past returns and growth.
Future estimates of the business performance.

We believe the GF Value Line is the fair value that the stock should be traded at. The stock price will most likely fluctuate around the GF Value Line. If the stock price is significantly above the GF Value Line, it is overvalued and its future return is likely to be poor. On the other hand, if it is significantly below the GF Value Line, its future return will likely be higher.

Please note, "Possible Value Trap, Think Twice" is for the companies that look very undervalued, but either in the long term trend of business decline, or in financial distress.

As of today (2024-04-25), Horace Mann Educators's share price is $36.61. Horace Mann Educators's GF Value is $43.94. Therefore, Horace Mann Educators's Price-to-GF-Value for today is 0.83.

Based on the relationship between the current stock price and the GF Value, GuruFocus believes Horace Mann Educators is Modestly Undervalued.

Horace Mann Educators (NYSE:HMN) GF Value Explanation

Based on the relationship between the current stock price and the GF Value, GuruFocus provides the following 6 evaluations:

Posssible Evaluations	All-in-One Screener Examples (2)
Possible Value Trap, Think Twice (1)	Predictable Companies that possibly be Value Traps
Significantly Overvalued	Predictable Companies which are Significantly Overvalued
Modestly Overvalued	Predictable Companies which are Modestly Overvalued
Fairly Valued	Predictable High Quality Companies which are Fairly Valued
Modestly Undervalued (3)	Predictable High Quality Companies which are Modestly Undervalued
Significantly Undervalued (3)	Predictable High Quality Companies which are Significantly Undervalued

(1) "Possible Value Trap, Think Twice" is for the companies that look very undervalued, but either in the long term trend of business decline, or in financial distress.

(2) These are some simple examples. You can access our GF Valuation filter under All-in-One Screener’s Fundamental tab, and Price-to-GF-Value filter under Valuation Ratio tab and set your own criteria.

(3) There is only a sufficient margin of safety when the stock is undervalued.

Horace Mann Educators's Price-to-GF-Value for today is calculated as

Price-to-GF-Value	=	Share Price	/	GF Value
	=	36.61	/	43.94
	=	0.83

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Horace Mann Educators GF Value Related Terms

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Horace Mann Educators (Horace Mann Educators) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Insurance » Horace Mann Educators Corp (NYSE:HMN) » Definitions » GF Value

Comparable Companies

Traded in Other Exchanges

N/A

Address

1 Horace Mann Plaza, Springfield, IL, USA, 62715-0001

Website

https://www.horacemann.com

Horace Mann Educators Corp is a diversified insurance holding company that markets and underwrites personal lines of property and casualty insurance, retirement annuities, and life insurance. The company's property and casualty operations focus on automobile and homeowner insurance, while the retirement annuities are 403(b) tax-qualified products. Horace Mann Educators markets its products to kindergarten through 12th-grade teachers, administrators, and other employees of public schools and their families. The company uses several former teachers in its salesforce. Its segments include Property and Casualty, Supplemental & Group Benefits, Life & Retirement and Corporate and Other.

Executives

Beverley J. Mcclure	director	C/O HORACE MANN EDUCATORS CORPORATION, 1 HORACE MANN PLAZA, SPRINGFIELD IL 62715
Victor Fetter	director	4828 PARKWAY PLAZA, CHARLOTTE NC 28217
Aaliyah A Samuel	director	C/O HORACE MANN EDUCATORS CORPORATION, 1 HORACE MANN PLAZA, SPRINGFIELD IL 62715
Michael Weckenbrock	officer: Senior Vice President	C/O HORACE MANN EDUCATORS CORPORATION, 1 HORACE MANN PLAZA, SPRINGFIELD IL 62715
Stephen J Mcanena	officer: EVP & Chief Operating Officer	C/O HORACE MANN EDUCATORS CORPORATION, 1 HORACE MANN PLAZA, SPRINGFIELD IL 62715
Matthew P. Sharpe	officer: Executive Vice President	1 HORACE MANN PLAZA, SPRINGFIELD IL 62715
Thomas A Bradley	director	199 WATER STREET, 24TH FLOOR, NEW YORK NY 10038
Kimberly A Johnson	officer: Vice President & Controller	C/O HORACE MANN EDUCATORS CORPORATION, 1 HORACE MANN PLAZA, SPRINGFIELD IL 62715
Robert Stricker	director	C/O HORACE MANN EDUCATORS CORPORATION, 1 HORACE MANN PLAZA, SPRINGFIELD IL 62715
Marita Zuraitis	director, officer: President & CEO	THE HANOVER INSURANCE GROUP, INC., 440 LINCOLN STREET, WORCESTER MA 01653
Elaine A Sarsynski	director	312 FARMINGTON AVE, FARMINGTON CT 06032
Derik Tyson Sanders	officer: Vice President	C/O HORACE MANN EDUCATORS CORPORATION, 1 HORACE MANN PLAZA, SPRINGFIELD IL 62715
Stephanie A Fulks	officer: Senior Vice President	C/O HORACE MANN EDUCATORS CORPORATION, 1 HORACE MANN PLAZA, SPRINGFIELD IL 62715
Timothy A Darley	officer: Senior Vice President	C/O HORACE MANN EDUCATORS CORPORATION, 1 HORACE MANN PLAZA, SPRINGFIELD IL 62715
Bret A Conklin	officer: SVP & Controller	C/O HORACE MANN EDUCATORS CORP, 1 HORACE MANN PLAZA, SPRINGFIELD IL 62715