6 Undervalued Insurance Stocks for Friday, July 31
Discover the top 6 undervalued Insurance stocks for Friday, July 31 based on AAII’s Stock Grades.Michael Rose
A+ Stock Grade Summary:
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COMPANY SUMMARY
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. The Property & Casualty segment offers insurance products, including private passenger auto insurance, residential home insurance, and personal umbrella insurance; standard auto coverage including liability, collision, and comprehensive; property coverage for homeowners and renters. The Life & Retirement segment sells tax-qualified fixed, fixed indexed, and variable annuities; the Horace Mann Retirement Advantage open architecture platform and other defined contribution plans; traditional term, whole life insurance products, and indexed universal life (IUL) products. This segment also offers Life by Design, a portfolio of individual whole life and individual term insurance products that address the financial planning needs of educators; Life Select, a combination product that mixes a base of either traditional whole life, 20-pay life, or life paid-up at age 65 with a variety of term riders; single premium whole life products; and cash value term. The Supplemental & Group Benefits segment offers employer-sponsored products, including accident, critical illness, limited-benefit fixed indemnity insurance, term life, and short-term and long-term disability, as well as worksite direct products, such as supplemental heart, cancer, disability, and accident coverages. The company offers individual protection and savings solutions, including auto insurance, property insurance, liability insurance, 403(b) retirement plans, mutual funds, life insurance, student loan solutions, credit monitoring, and financial wellness workshops. It distributes its products and services through agents, brokers, benefit specialists, direct and digital channels. The company was founded in 1945 and is headquartered in Springfield, Illinois.
Commentary & Analysis
Which Is a Better Investment, Assured Guaranty Ltd. or Horace Mann Educators Corporation Stock?
Learn more about whether Assured Guaranty Ltd. or Horace Mann Educators Corporation is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Jenna Brashear
Which Is a Better Investment, Brighthouse Financial, Inc. or Horace Mann Educators Corporation Stock?
Learn more about whether Brighthouse Financial, Inc. or Horace Mann Educators Corporation is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Jenna Brashear
Which Is a Better Investment, Genworth Financial, Inc. or Horace Mann Educators Corporation Stock?
Learn more about whether Genworth Financial, Inc. or Horace Mann Educators Corporation is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Jenna Brashear
Which Is a Better Investment, Horace Mann Educators Corporation or Lincoln National Corporation Stock?
Learn more about whether Horace Mann Educators Corporation or Lincoln National Corporation is a better investment based on AAII's A+ Investor grades, which compare both companies' key financial metrics.Jenna Brashear
Financial Summary
| Share Statistics | HMN | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $2,104.3 | $7,055.8 | 55% |
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| Shares Out (Mil) | 41.2 | 66.0 | 44% |
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| Institutional Ownership | 99.4% | 81.8% | 88% |
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| Float (Mil) | 40.1 | 67.4 | 42% |
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| Beta | 0.12 | 0.52 | 9% |
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| Avg Daily Volume (000s) | 232 | 186 | 47% |
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| Price Change (52-week) |
25.8% | 90.4% | 66% |
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| Growth | HMN | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 5.4% | 5.6% | 38% |
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| Net Income (5yr) | 4.0% | 14.5% | 45% |
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| EPS (5yr) | 4.2% | 15.6% | 37 |
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| Dividends (5yr) | 3.1% | 3.8% | 85% |
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| Cash Flow (5yr) | (26.6%) | (14.5%) | 23% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 2 | 3 | 3 | |
| Current EPS | $0.730 | $4.530 | $5.237 | |
| Month Ago EPS | $0.740 | $4.537 | $5.073 | |
| # Rev Up | 1 | 1 | 1 | |
| # Rev Down | 1 | 1 | 1 | |
| Three Months Ago EPS | $0.775 | $4.430 | $5.030 | |
| Year/Year Chg | (27.0%) | 16.2% | 37.4% | |
| Financials | HMN | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $1,714 | $5,065 | 58% |
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| Net Income (TTM) (Mil) | $165 | $534 | 66% |
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| EPS (TTM) | $4.017 | $2.500 | 84% |
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| Operating Cash Flow (TTM) (Mil) | $474 | $499 | 71% |
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| Net Cash Flow (TTM) (Mil) | ($9) | $3 | 31% |
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| Long-Term Debt (Q1) (Mil) | $594 | $844 | 61% |
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| Enterprise Value (Q1) (Mil) | $2,391 | $7,585 | 52% |
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| Valuation | HMN | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.43 | 1.77 | 38% |
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| P/E | 13.1 | 12.9 | 29% |
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| Dividend Yield | 2.8% | 0.9% | 83% |
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| PEG (5yr hist) | 3.1 | 0.5 | 78% |
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| Ratios | HMN | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 38.8% | 33.4% | 48% |
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| Net Margin | 9.6% | 9.9% | 62% |
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| ROA | 1.1% | 2.7% | 48% |
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| ROE | 11.7% | 14.8% | 63% |
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| Liabilities to Assets | 90.2% | 76.7% | 86% |
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| F-Score | 7 | 6 | 84% |
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Passing Stock Screens
As of 7/31/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Non-Utility) Screen
Factors: Yield, Value, Quality
Credited as one of the fathers of in-depth security analysis, Graham's approach focuses on the concept of intrinsic value.
| Performance Since Inception: | 11.8% |
| +/- S&P 500: | +4.3 |
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
