HMN
Horace Mann Educators CorpHorace Mann Educators Corporation
NYSE · Financial ServicesFinancial Services / Insurance - Property & CasualtyInsurance - Property & Casualty
Composite · Score v2
82.0/ 100
Threshold 70.0 · +12.0
Horace Mann Educators Corp(HMN)는 v2 복합 점수 82.0로 임계 70.0를 상회했습니다. 소형·가치·현금·진입 타이밍이 균형을 이룹니다.
Horace Mann Educators Corporation (HMN) cleared the 70.0 threshold with v2 composite 82.0; size, value, cash, and entry align.
Company profile
Horace Mann Educators Corp는 Financial Services 분야 Insurance - Property & Casualty 기업입니다.
Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. It operates through three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits segments.
Size
시가총액 1975236480 기준 규모 점수 100.0.
Market cap 1975236480 — size score 100.0.
Growth
매출 7.7% / 이익 42.3% (혼합 23.27%) — 지속 가능 성장 점수 93.3.
Revenue 7.7% / earnings 42.3% (blended 23.27%) — sustainable growth score 93.3.
Valuation
PER 11.39, PEG 1.16, FCF수익률 11.27%, PBR 1.31 — 밸류 점수 88.0.
P/E 11.39, PEG 1.16, FCF yield 11.27%, P/B 1.31 — valuation score 88.0.
Entry
12개월 가격대 58.64%, 52주 고점 대비 -9.89% — 진입 점수 75.0.
12M price range 58.64%, -9.89% from 52W high — entry score 75.0.
Momentum
6개월 수익률 16.9% — 보조 모멘텀 점수 66.5.
6M return 16.9% — auxiliary momentum score 66.5.
Quality
ROE 12.38%, ROA 1.05%, FCF/순이익 1.26 — 품질 점수 60.9.
ROE 12.38%, ROA 1.05%, FCF/net income 1.26 — quality score 60.9.
Risks
- 실적 가이던스 하향 시 성장 프리미엄 축소 가능
- Growth premium may compress on guidance cuts
- 글로벌 금리·유동성 변화에 따른 밸류에이션 리레이팅
- Valuation re-rating risk from rates and liquidity
- 5년 10배는 목표 시나리오이며 달성을 보장하지 않음
- 10x in five years is a scenario, not a guarantee