Horace Mann Educators Corporation cash flow to debt ratio of 93.23% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Horace Mann Educators Corporation's free cash flow has increased 22.36% from $452.10M last year to $553.20M, signaling increasing performance

Horace Mann Educators Corporation's debt to equity ratio is 0.40, which means that the company's assets are healthy financed, signaling financial stability.

Horace Mann Educators Corporation's debt has decreased relative to shareholder equity from 0.42 last year to 0.40 today, signaling strengthened financials

Horace Mann Educators Corporation has a net cash position, so leverage is healthy.

Horace Mann Educators Corporation's interest coverage ratio of 5.69 indicates that earnings with good margin can cover interest payments on company debt

Horace Mann Educators Corporation's profit margin was 6.63% last year and is 10.37% this year, signaling increasing performance

Horace Mann Educators Corporation's short-term assets of $0.00 exceed its short-term liabilities of $0.00

Horace Mann Educators Corporation's return on assets of 1.14% is lower than the 5.00% threshold, indicating inefficient asset utilization

Horace Mann Educators Corporation's return on equity of 12.03%, is lower than 15.00%, indicating bad performance

Horace Mann Educators Corporation's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Horace Mann Educators Corporation had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Horace Mann Educators Corporation has positive free cash flow, indicating the company generates cash after capital expenditures

Horace Mann Educators Corporation has a free cash flow yield of 30.21%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Horace Mann Educators Corporation's yearly earnings has increased 57.68% since last year from $102.80M to $162.10M, signaling increasing performance

Horace Mann Educators Corporation's yearly revenue has increased 9.74% since last year from $1.55B to $1.70B, signaling increasing performance

ROIC 2.95% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Horace Mann Educators Corporation's 3-year revenue CAGR of 6.61% is positive, indicating growing revenue over the past 3 years

Horace Mann Educators Corporation had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Horace Mann Educators Corporation had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Horace Mann Educators Corporation is undervalued relative to its fair value price of 237.03 based on Base Cash Flow Valuation (DCF) model

Horace Mann Educators Corporation has an earnings yield of 9.56%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Horace Mann Educators Corporation is undervalued relative to its fair value price of 45.53 based on Base EBITDA Valuation model

Horace Mann Educators Corporation has an EV/EBITDA ratio of 6.76x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Horace Mann Educators Corporation is undervalued relative to its fair value price of 47.21 based on Base Earnings Fair Value model

Horace Mann Educators Corporation has a PEG-ratio over 1 which is considered overvalued

Horace Mann Educators Corporation has a price-to-book ratio of 1.23x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Horace Mann Educators Corporation has a price-to-sales ratio of 1.09x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue