Yahoo / Market Guide - Horace Mann Educators

·	Insider and 5%+ Owners: 29%
·	Institutional: 91% (128% of float) (282 institutions)
·	Net Inst. Buying: 594.0K shares (+1.59%) (prior quarter to latest quarter)

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Business Summary

Horace Mann Educators Corporation is an insurance holding company. Through its subsidiaries, HMEC markets and underwrites personal lines of property and casualty and life insurance, as well as retirement annuities. HMEC's principal insurance subsidiaries are Horace Mann Insurance Company (HMIC), Teachers Insurance Company (TIC) and Horace Mann Life Insurance Company (HMLIC), each of which is an Illinois corporation, Allegiance Insurance Company (Allegiance), a California-domiciled personal lines property and casualty insurance company, and Horace Mann Lloyds (HM Lloyds), domiciled in Texas.

More from Market Guide: Expanded Business Description

Financial Summary

Horace Mann is an insurance holding company that markets and underwrites retirement annuities, and automobile, homeowners, and life insurance to educators. For the six months ended 6/30/01, revenues rose 2% to $399.5 million. Net income fell 47% to $11.8 million. Results reflect sales of new annuity products and higher annuity deposit balances and contracts outstanding, offset by charges to stengthen prior years' property and casualty reserves and higher non-catastrophe weather losses.

More from Market Guide: Significant Developments

Officers

[Insider Trade Data]

	FY1999 Pay

Joseph Melone Chairman	--
Louis Lower, II, 54 Pres, CEO	--
Larry Becker, 51 Exec. VP, CFO	$343K
George Zock, 49 Exec. VP	350K
Roger Fisher, 47 Sr. VP, Controller	199K
Dollar amounts are as of 31-Dec-1999 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..

More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options

Statistics at a Glance -- NYSE:HMN

As of 31-Aug-2001

Price and Volume
52-Week Low on 13-Oct-2000	$`14.063`
Recent Price	$`20.20`
52-Week High on 26-Dec-2000	$`22.188`
Beta	`0.37`
Daily Volume (3-month avg)	`121.8K`
Daily Volume (10-day avg)	`118.0K`
Stock Performance
big chart [1d \| 5d \| 3m \| 6m \| 1y \| 2y \| 5y \| max]
52-Week Change	`+31.4%`
52-Week Change relative to S&P500	`+76.3%`
Share-Related Items
Market Capitalization	$`820.1M`
Shares Outstanding	`40.6M`
Float	`28.8M`
Dividends & Splits
Annual Dividend (indicated)	$`0.42`
Dividend Yield	`2.08%`
Last Split: 2 for 1 on 16-Dec-1997

Per-Share Data
Book Value (mrq)	$`10.94`
Earnings (ttm)	$`0.25`
Earnings (mrq)	-$`0.12`
Sales (ttm)	$`19.44`
Cash (mrq)	$`0.46`
Valuation Ratios
Price/Book (mrq)	`1.85`
Price/Earnings (ttm)	`81.45`
Price/Sales (ttm)	`1.04`
Income Statements
Sales (ttm)	$`790.0M`
EBITDA	N/A
Income available to common (ttm)	$`10.2M`
Profitability
Profit Margin (ttm)	`1.3%`
Operating Margin (ttm)	`-0.8%`
Fiscal Year
Fiscal Year Ends	Dec 31
Most recent quarter	30-June-2001

Management Effectiveness
Return on Assets (ttm)	`0.23%`
Return on Equity (ttm)	`2.36%`
Financial Strength
Current Ratio	N/A
Debt/Equity (mrq)	`0.34`
Total Cash (mrq)	$`18.6M`
Short Interest As of 8-Aug-2001
Shares Short	`343.0K`
Percent of Float	`1.2%`
Shares Short (Prior Month)	`719.0K`
Short Ratio	`2.86`
Daily Volume	`120.0K`

See Profile Help for a description of each item above; K = thousands; M = millions; mrq = most-recent quarter; ttm = trailing twelve months; (as of 30-June-2001)

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