Profitability
Weight: 25%
C
54
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.7%
- Operating Margin Trend -0.18 pp/yr
HMN
Horace Mann Educators Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
B
69
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 10.8%
- 5yr Share-Count CAGR -0.4%
Growth Quality
Weight: 10%
B+
76
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 9.7%
- 5yr EPS CAGR 3.6%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A
90
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 4.32x
Balance Sheet
Weight: 30%
B+
76
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 9.7%
- Interest Coverage (EBIT/Int) 6.53x
Stability
Weight: 10%
C+
58
- EPS Volatility (σ/μ) 0.56
- Piotroski F-Score 8
- Negative-Revenue Years (5) 1/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 1 new buy; 1 added; 1 trimmed.
- Holders
- 3 +1
- Avg Δ position
- -20.1%
- New buys
- 1
- Full exits
- 0
- Cooperman new
- Wood decreased -40%
- Greenblatt increased +0%