HMN Intrinsic Value Calculation – Horace Mann Empowers Educators with New TransUnion Partnership and Free Credit Education Program

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Horace Mann Educators ($NYSE:HMN) Corporation, also known as Horace Mann, is an insurance and financial services company that specializes in serving the needs of educators and their families. As a company that serves educators, Horace Mann understands the importance of financial health and stability for those in the education field. That is why they have partnered with TransUnion, a leading credit reporting agency, to offer educators a new program called HMScore™. This program is designed to empower educators with knowledge and resources to improve their credit scores and overall financial well-being. Through HMScore™, educators will have access to their TransUnion credit reports and scores, as well as credit monitoring services to keep track of any changes or potential fraud. This is especially important for educators who may have student loans or other debt, as their credit scores can impact their ability to secure loans or mortgages for things like buying a home or refinancing loans. In addition to credit reports and monitoring, HMScore™ also offers a variety of educational resources and tools to help educators better understand credit and how it affects their financial health.

This includes tips for improving credit scores, understanding credit inquiries, and managing debt. By arming educators with this knowledge, Horace Mann hopes to support their financial goals and ultimately improve their overall financial health. The partnership with TransUnion and the launch of HMScore™ aligns with Horace Mann’s mission to serve and support those in the education community. By providing educators with a free credit education program, Horace Mann is not only investing in their financial wellness but also recognizing the hard work and dedication of those who shape our future generations. Educators can sign up for HMScore™ on the Horace Mann website and take the first step towards achieving financial stability.

Share Price

This exciting collaboration aims to empower educators by equipping them with the knowledge and tools to improve their financial well-being. On Wednesday, the day of the announcement, Horace Mann Educators’ stock opened at $36.02 and closed at $36.69, representing a 1.86% increase from the previous day’s closing price of $36.02. This positive market response reflects the confidence and enthusiasm surrounding this new partnership. This includes personalized credit reports and scores, as well as educational materials to help them better understand their credit and make informed financial decisions. One of the key benefits of this program is that it is completely free for Horace Mann Educators members. With rising concerns about financial security and identity theft, having access to these resources can provide valuable peace of mind for educators who dedicate their lives to shaping young minds.

In addition to providing educators with greater financial literacy, this partnership also aligns with Horace Mann Educators’ mission of supporting the education community. By offering tools and resources to help educators improve their financial well-being, the company is furthering its commitment to helping educators thrive both inside and outside the classroom. This partnership also highlights the shifting focus of insurance and financial services companies to not just provide products, but to also offer value-added services that support their customers’ overall well-being. By providing educators with access to credit education resources, Horace Mann Educators is setting itself apart as a company that truly cares about the financial success of its members. This partnership not only benefits the individual educators, but also aligns with the company’s mission and reinforces its commitment to supporting the education community. 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 Calculation

After conducting a thorough analysis of HORACE MANN EDUCATORS’ wellbeing, I am pleased to report that the company is in a stable and healthy state. Our team at GoodWhale took into consideration various factors such as financial performance, market trends, and industry comparisons to arrive at this conclusion. One of the key aspects we looked at was the fair value of HORACE MANN EDUCATORS’ share. Using our proprietary Valuation Line method, we have determined that the fair value for the company’s stock is approximately $39.6. This calculation takes into account multiple factors including the company’s earnings, growth potential, and industry standards. At its current trading price of $36.69, HORACE MANN EDUCATORS’ stock is undervalued by 7.3% according to our analysis. This means that investors have an opportunity to purchase shares at a discounted price, potentially leading to a higher return on investment in the future. Based on our findings, we believe that HORACE MANN EDUCATORS is a solid investment option for those looking to add to their portfolio. Not only is the company financially sound, but it also shows potential for growth and has a competitive edge in its industry. In conclusion, our analysis indicates that HORACE MANN EDUCATORS is performing well and has a promising future. With its current stock price being undervalued, now may be a good time for investors to consider adding it to their portfolio. As always, we recommend conducting further research and seeking professional advice before making any investment decisions. 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

Horace Mann, a leading financial services company for educators, has announced a new partnership with TransUnion to enhance its financial wellness offerings. The partnership will provide educators with access to HMScore™, a free credit education program that includes TransUnion reports, credit monitoring, and tools to improve their credit scores. This move highlights Horace Mann’s commitment to supporting educators in their financial journeys and helping them achieve their financial goals. With this new feature, educators can now have access to personalized investing analysis and advice, further strengthening Horace Mann’s position as a trusted partner for educators seeking to secure their financial future.