Horace Mann Educators Corp.

Horace Mann Educators scores 87 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.

Yes, Horace Mann Educators pays a regular dividend of about $1.40 per share per year (typically in quarterly installments), a yield of roughly 3.1% at the current price. That is a payout ratio of about 32.5% of earnings, so the dividend is amply covered by earnings. Horace Mann Educators has grown the dividend at roughly 2.7% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For HMN's full payout history, growth streak and dividend-safety score, see the dividends tab.

That depends on valuation and quality together, not either alone. you should weigh HMN's valuation and scores 87/100 on quality (high-quality). It also yields about 3.1%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.