Horace Mann Educators Corp (NYSE:HMN)

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Price: 36.74 USD -0.05%

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Relative Value

The Relative Value of one HMN stock under the Base Case scenario is 26.37 USD. Compared to the current market price of 36.74 USD, Horace Mann Educators Corp is Overvalued by 28%.

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

P/S

vs History	66
vs Industry	52

Median 5Y

1.1

Industry

1.1

Forward

0.9

More Details

33.3

P/E

vs History	11
vs Industry	13

Median 5Y

Industry

13.6

Forward

11.4

More Details

1.3

P/B

vs History	11
vs Industry	47

Median 5Y

Industry

1.4

More Details

1.4

Price/Premiums

vs History	68
vs Industry	37

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	1.5B USD	1	33.3	1.3
DE		Allianz SE XETRA:ALV	103.9B EUR	1.1	12.4	1.8
FR		AXA SA PAR:CS	78.1B EUR	0.9	11.2	1.6
CH		Zurich Insurance Group AG SIX:ZURN	65.1B CHF	1.1	16.4	2.9
US		American International Group Inc NYSE:AIG	51.3B USD	1.1	14.2	1.1
IT		Assicurazioni Generali SpA MIL:G	35.9B EUR	0.7	9.6	1.2
CN		China Pacific Insurance Group Co Ltd SSE:601601	244.1B CNY	0.9	9	1
US		Hartford Financial Services Group Inc NYSE:HIG	28.4B USD	1.2	11.5	1.9
FI	S	Sampo plc OTC:SAXPF	21.8B USD	2.2	15.4	2.8
FI		Sampo Oyj OMXH:SAMPO	19.1B EUR	2.1	14.4	2.6
DE		Talanx AG XETRA:TLX	18.4B EUR	0.4	11.6	1.8

				Revenue Growth
US		Horace Mann Educators Corp NYSE:HMN	Average P/S: 1.2 1	N/A
DE		Allianz SE XETRA:ALV	1.1	48%
FR		AXA SA PAR:CS	0.9	18%
CH		Zurich Insurance Group AG SIX:ZURN	1.1	-1%
US		American International Group Inc NYSE:AIG	1.1	-39%
IT		Assicurazioni Generali SpA MIL:G	0.7	76%
CN		China Pacific Insurance Group Co Ltd SSE:601601	0.9	47%
US		Hartford Financial Services Group Inc NYSE:HIG	1.2	17%
FI	S	Sampo plc OTC:SAXPF	2.2	-9%
FI		Sampo Oyj OMXH:SAMPO	2.1	-9%
DE		Talanx AG XETRA:TLX	0.4	28%

				Earnings Growth
US		Horace Mann Educators Corp NYSE:HMN	Average P/E: 14.4 33.3	N/A
DE		Allianz SE XETRA:ALV	12.4	32%
FR		AXA SA PAR:CS	11.2	44%
CH		Zurich Insurance Group AG SIX:ZURN	16.4	53%
US		American International Group Inc NYSE:AIG	14.2	81%
IT		Assicurazioni Generali SpA MIL:G	9.6	17%
CN		China Pacific Insurance Group Co Ltd SSE:601601	9	32%
US		Hartford Financial Services Group Inc NYSE:HIG	11.5	57%
FI	S	Sampo plc OTC:SAXPF	15.4	10%
FI		Sampo Oyj OMXH:SAMPO	14.4	10%
DE		Talanx AG XETRA:TLX	11.6	33%


US		Horace Mann Educators Corp NYSE:HMN	Average P/B: 1.8 1.3
DE		Allianz SE XETRA:ALV	1.8
FR		AXA SA PAR:CS	1.6
CH		Zurich Insurance Group AG SIX:ZURN	2.9
US		American International Group Inc NYSE:AIG	1.1
IT		Assicurazioni Generali SpA MIL:G	1.2
CN		China Pacific Insurance Group Co Ltd SSE:601601	1
US		Hartford Financial Services Group Inc NYSE:HIG	1.9
FI	S	Sampo plc OTC:SAXPF	2.8
FI		Sampo Oyj OMXH:SAMPO	2.6
DE		Talanx AG XETRA:TLX	1.8

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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Company

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Stocks

Horace Mann Educators Corp
NYSE:HMN

HMN Competitors Multiples
Horace Mann Educators Corp Competitors