Discounted Cash Flow
Horace Mann Educators Corp. /De/
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $1.1b | $83.8m | $207.4m | 7.4% | $2.04 |
| 2017 | $1.2b (3.8%) | $169.5m (102.3%) | $256.6m (23.7%) | 14.5% (94.9%) | $4.10 (101.0%) |
| 2018 | $1.2b (1.7%) | $18.3m (-89.2%) | $18.3m (-92.9%) | 1.5% (-89.4%) | $0.44 (-89.3%) |
| 2019 | $1.4b (20.0%) | $184.4m (905.5%) | $127.6m (595.5%) | 12.9% (737.6%) | $4.42 (904.5%) |
| 2020 | $1.3b (-8.4%) | $133.3m (-27.7%) | $259.8m (103.6%) | 10.2% (-21.1%) | $3.18 (-28.1%) |
| 2021 | $1.3b (1.5%) | $142.8m (7.1%) | $204.9m (-21.1%) | 10.7% (5.5%) | $3.40 (6.9%) |
| 2022 | $1.4b (4.0%) | $-2.6m (-101.8%) | $171.5m (-16.3%) | -0.2% (-101.8%) | $-0.06 (-101.8%) |
| 2023 | $1.5b (7.9%) | $45.0m (1830.8%) | $302.1m (76.2%) | 3.0% (1704.3%) | $1.09 (1916.7%) |
| 2024 | $1.6b (6.9%) | $102.8m (128.4%) | $452.1m (49.7%) | 6.4% (113.7%) | $2.49 (128.4%) |
| 2025 | $1.7b (6.7%) | $162.1m (57.7%) | $553.2m (22.4%) | 9.5% (47.8%) | $3.93 (57.8%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.