Profitability
Weight: 25%
B-
63
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 57.9%
- Loss Ratio Trend +0.14 pp/yr
HMN
Horace Mann Educators Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
C
52
- 5yr Avg ROE 6.8%
- 5yr Share-Count CAGR -0.2%
Growth Quality
Weight: 10%
B
74
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 13.6%
- Loss Ratio Trend (growth quality check) +0.14 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
B-
63
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development 0.4%
- Loss Ratio Stability (σ) 0.30
Balance Sheet
Weight: 25%
A-
80
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 0.83x
- Interest Coverage (EBIT/Int) 6.53x
Stability
Weight: 10%
C-
48
- EPS Volatility (σ/μ) 0.56
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 3 gurus held; 2 trimmed; 1 full exit.
- Holders
- 2 -1
- Avg Δ position
- -35.4%
- New buys
- 0
- Full exits
- 1
- Wood sold -100%
- Cooperman decreased -71%
- Greenblatt decreased -0%