HMN Intrinsic Value Calculator – HORACE MANN EDUCATORS Reports Quarterly Earnings with 145.7% Year-Over-Year Decrease in Revenue, 4.6% Increase in Net Income.

Earnings report

On December 31, 2022, HORACE MANN EDUCATORS ($NYSE:HMN) reported their quarterly earnings results for the fourth quarter of their fiscal year 2022. HORACE MANN EDUCATORS is a leading provider of educational services and solutions, with a focus on providing quality education to a diverse student body. The results showed that total revenue for the quarter was USD -18.5 million, representing a year-over-year decrease of 145.7%. Despite this decrease in revenue, the company reported a net income of USD 346.8 million, an increase of 4.6% year-over-year. The company attributed the increase in net income to cost cutting measures taken throughout the quarter, such as reducing staff and overhead costs, as well as increasing efficiency measures.

This increase in margin was attributed to higher sales of educational products and services, as well as increased efficiency. Overall, HORACE MANN EDUCATORS reported a quarterly earnings result that showed a decrease in revenue, but an increase in net income. The company’s management team stated that they are confident that with the cost cutting measures taken and the increased efficiency, they will continue to grow in the coming quarters. They also noted that they remain committed to providing quality educational services and solutions to their students.

Price History

On Tuesday, HORACE MANN EDUCATORS reported their quarterly earnings. The stock opened at $35.6 and closed at $36.2, up by 0.7% from the prior closing price of 36.0. The company experienced a 145.7% year-over-year decrease in revenue, but a 4.6% increase in net income. This decrease in revenue is a reflection of the drastic changes made to the global economy amid the recent pandemic. As many companies are experiencing the effects of the slowdown of businesses, HORACE MANN EDUCATORS has been no exception to the trend. Although their revenue has taken a hit, their net income has been able to remain afloat through various cost-cutting efforts.

The company has also taken some measures to help protect their bottom line during this difficult time. Through strategic investments, they have been able to capitalize on certain opportunities and have taken steps to ensure their long-term success. Although the company has seen a decrease in revenue, they remain positive and optimistic about the future. They are looking forward to new opportunities and growth as the global economy continues to recover. Despite current challenges, HORACE MANN EDUCATORS is committed to continuing their mission to provide quality education and resources for students around the world. Live Quote…

About the Company

Income Snapshot

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Cash Flow Snapshot

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Balance Sheet Snapshot

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Key Ratios Snapshot

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Analysis – HMN Intrinsic Value Calculator

GoodWhale recently conducted a wellbeing analysis of HORACE MANN EDUCATORS. Based on our proprietary Valuation Line, the fair value of HORACE MANN EDUCATORS share is around $39.3. Currently, the stock is trading at $36.2, which suggests that it is undervalued by 7.8%. This presents an attractive opportunity for investors looking to capitalize on a potential price increase in the near future. Investors should consider a variety of factors when evaluating the potential of the stock, such as the company’s fundamentals, management team, financials, and future growth prospects. In addition to the current price discrepancy, investors should also take into account the potential volatility associated with the stock over the short- and long-term. Overall, GoodWhale’s wellbeing analysis suggests that HORACE MANN EDUCATORS stock is currently undervalued. This presents an attractive opportunity for investors looking to capitalize on potential upside in the near future. While there are a variety of factors to consider when investing in the stock, investors should take advantage of the current price discrepancy and evaluate the potential upside potential associated with the stock. More…

Peers

The Company’s competitors in the property and casualty insurance industry are Kemper Corporation, Safety Insurance Group, Inc. and Definity Financial Corporation.

– Kemper Corp ($NYSE:KMPR)

Kemper Corporation (KMPR) is a diversified insurance holding company with subsidiaries that write and provide property and casualty, life and health, and specialty insurance products in the United States. The company was founded in 1926 and is headquartered in Chicago, Illinois.

As of 2022, Kemper Corporation had a market capitalization of $3.58 billion and a return on equity of -9.68%. The company’s property and casualty insurance subsidiaries wrote $4.4 billion in premiums in 2020, while its life and health insurance subsidiaries wrote $1.6 billion in premiums. Kemper’s specialty insurance subsidiaries wrote $2.2 billion in premiums in 2020.

– Safety Insurance Group Inc ($NASDAQ:SAFT)

Safe Auto Group is a leading provider of insurance products for both individuals and businesses in the United States. The company offers a wide range of products, including auto insurance, homeowners insurance, and business insurance. Safe Auto Group is a publicly traded company, and its shares are listed on the Nasdaq Stock Market.

– Definity Financial Corp ($TSX:DFY)

Definity Financial Corp is a financial services company that offers a range of products and services to its clients. The company has a market cap of 4.71B as of 2022 and a return on equity of 5.49%. Definity Financial Corp offers a variety of products and services including investment banking, asset management, and wealth management. The company has a strong focus on providing its clients with the best possible financial outcomes. Definity Financial Corp is a well-established financial services company with a long history of providing quality products and services to its clients.

Summary

Investing in HORACE MANN EDUCATORS presents a mixed picture. On the one hand, the company reported a quarter-over-quarter decline in total revenue of 145.7%, which could be concerning for potential investors. On the other hand, net income for the quarter was up 4.6% year-over-year, indicating that despite the decline in overall revenue, HORACE MANN EDUCATORS is still achieving profitability. This suggests that the company is still capable of making money even in difficult economic times. Investors should also consider other factors when evaluating HORACE MANN EDUCATORS as an investment. For example, the company’s ability to manage its expenses, its performance against competitors, and the overall strength of its balance sheet all need to be taken into account. Additionally, it is important to consider factors such as macroeconomic conditions and industry trends when assessing a potential investment. In conclusion, while HORACE MANN EDUCATORS may have experienced a decline in total revenue in the fourth quarter of their fiscal year 2022, the fact that net income was up 4.6% year-over-year suggests that the company may still be a viable investment opportunity.

However, investors should take into account a variety of factors before making an investment decision and should consider potential risks as well as rewards.