Horace Mann Educators Corp Dossier
Valuation
How Intrinsic Value compares with model outputs
Intrinsic Value $52.13median of 2 methodsbased on filings through 30 Jun 2026
Market Price $44.94Price as of 1 Oct 2026
Valuation methods vs. Market Price
$0$100$200$300$400$500
DCF
$486.29
DNI
$163.09
P/S
$42.80◇ $91.12
P/E
$70.70◇ $38.17
P/B
$33.56◇ $47.97
PEG
$64.10
$0$100$200$300$400$500
Market Price ($44.94) Intrinsic Value ($52.13) peer-implied value
Company vs. peer median Members
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Assumptions
| Parameter | Value |
|---|---|
| Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 5.5% (near-term consensus, capped) · years 2–5: 7.3%/yr (balance of the path). | 6.9% per year |
Years 6–10: glide to demonstrated growthPer-year ratesYr 66.7%Yr 76.1%Yr 85.5%Yr 94.8%Yr 104.2% | 7.3% → 4.2% |
Years 11–20: glide to long-run ratePer-year ratesYr 114.1%Yr 124.0%Yr 133.9%Yr 143.7%Yr 153.6%Yr 163.5%Yr 173.4%Yr 183.2%Yr 193.1%Yr 203.0% | 4.2% → 3.0% |
| Beyond year 20: terminal growthPerpetual long-run rate | 3.0% |
| Historical EPS growth (multi-year median)median of 3 windows (5/6/7y) | 4.2% |
| Discount rate (cost of equity) | 6.7% |
| Volatility vs market (adjusted beta) | 0.39 |
Valuation Detail Members
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Assumptions Sandbox Members
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Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.