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  • HORACE MANN EDUCATORS CORP N Financial Overview

  • Income Statement: HMN

      2008 2007 Change ( 2007 - 2008  )
    Net Sales/Revenues 887.90 M 895.48 M -7.58 M -0.85%
    Gross Profit —%
    Net Income Before Extra Items/Preferred Div 10.92 M 82.79 M -71.87 M -658.34%
    Operating Income 67.71 M 139.60 M -71.89 M -106.17%
  • Cash Flow: HMN

      2008 2007 Change ( 2007 - 2008  )
    Net Cash Flow - Financing 23.39 M -71.40 M 94.80 M 405.22%
    Net Cash Flow - Investing 190.25 M 130.47 M 59.78 M 31.42%
    Net Cash Flow/Operating Activities 162.85 M 201.64 M -38.79 M -23.82%
  • Balance Sheet: HMN

      2008 2007 Change ( 2007 - 2008  )
    Total Assets 5.44 B 6.26 B -814.35 M -14.96%
    Total Liabilities 4.81 B 5.56 B -749.36 M -15.57%
    Shareholders Equity 630.91 M 695.90 M -64.99 M -10.30%
  • Key Ratios / Statistics: HMN

    • Valuation

      Price/Earnings (TTM) 34.04
      Price/Sales (TTM) 0.42
      Price/Book (MRQ) 0.75
      Price/Cash Flow (TTM) 2.29
    • Profitability

      Gross Margin
      Operating Margin 7.63
      Profit Margin 1.23
    • Dividends

      Dividend Paid (TTM) 0.21
      Payout Ratio % (TTM) 11.35
    • Financial Strength

      Quick Ratio (MRQ)
      Current Ratio (MRQ)
      Long Term Debt-to-Equity (MRQ) 27.40
    • Management Effectiveness

      Return on Equity (TTM) 1.67
      Return on Assets (TTM) 1.39
      Return on Investments (TTM) 2.57