(HMN) Horace Mann Educators - Ratings and Ratios

Horace Mann Educators Corporation is a multi-line insurance holding company operating in the United States, providing a diverse range of insurance and financial products to educators and non-educators alike. The companys business is segmented into Property & Casualty, Life & Retirement, and Supplemental & Group Benefits, offering a broad portfolio of insurance products, retirement plans, and financial solutions.

The Property & Casualty segment is a significant player, offering private passenger auto, residential home, and personal umbrella insurance, catering to the diverse needs of its customer base. Meanwhile, the Life & Retirement segment provides a range of annuity products, including fixed, fixed indexed, and variable annuities, as well as defined contribution plans, addressing the long-term financial planning needs of its clients.

The Supplemental & Group Benefits segment focuses on employer-sponsored products, including accident, critical illness, and disability insurance, as well as worksite direct products, providing a comprehensive suite of benefits to employees. Additionally, the company offers individual protection and savings solutions, such as auto insurance, property insurance, liability insurance, and 403(b) retirement plans, making it a one-stop-shop for financial and insurance needs.

With a distribution network comprising agents, brokers, benefit specialists, and direct and digital channels, Horace Mann Educators Corporation has established a robust presence in the US insurance market. Founded in 1945 and headquartered in Springfield, Illinois, the company has a rich history and a strong commitment to serving the financial needs of educators and the broader community.

Analyzing the and , we can observe that the stock has been trending upwards, with the last price at $43.13, slightly below the SMA20 at $43.30. The SMA50 and SMA200 are at $42.00 and $39.26, respectively, indicating a potential bullish crossover. With a Market Cap of $1.786B and a P/E ratio of 15.87, the company appears to be reasonably valued. The RoE of 8.93% suggests a decent return on equity.

Forecasting the stocks performance, we can expect a potential breakout above the SMA20, driven by the upward trend and bullish crossover. With the ATR at 0.92, representing a 2.13% daily volatility, we can anticipate a continued upward trajectory, potentially targeting the 52W High of $43.99. However, its essential to monitor the stocks performance and adjust the forecast accordingly, considering any changes in the fundamental data or market conditions.