Sector pending / Fire, Marine, and Casualty InsuranceUpdated 2026-05-10 22:07 UTC

FRA/HM9 stock hub

FRA/HM9 has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

1.5B

Frankfurt Stock Exchange

Market data

Price

Recent price action with selectable time range.

FRA/HM9FRA/HM9

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In the news

Latest news · FRA/HM9

Recent company headlines from major financial publishers.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

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Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E9.8

P25 n/aP50 n/aP75 n/a

Trailing P/E10.7

P25 n/aP50 n/aP75 n/a

ROE11.7

P25 n/aP50 n/aP75 n/a

ROIC7.5

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All FRA/HM9 market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

181

Groups with data

Currency

USD

Showing 181 of 181 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	United States
Country code	DE
Employees	1,800
Employees Change	50%
Employees Change Percent	2.94
Enterprise value	EUR 2B
Exchange	Frankfurt Stock Exchange
Financial currency	USD
First seen	2026-05-10
Industry	Fire, Marine, and Casualty Insurance
Last refreshed	2026-05-10
Market cap	EUR 1.5B
Price	EUR 37.8
Price currency	EUR
Rev Per Employee	826,006.88x
Sic	6331
Symbol	fra/HM9
Website	https://www.horacemann.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	9.38%
EV Earnings	14.07x
EV/EBIT	9.85x
EV/EBITDA	8.86x
EV/Sales	1.38x
Forward P/E	9.81x
P/B ratio	1.2x
P/E ratio	10.66x
P/S ratio	1.03x
PE Ratio10 Y	24.79x
PE Ratio3 Y	15.96x
PE Ratio5 Y	30.28x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	14.05%
EBITDA Margin	15.62%
Gross margin	38.76%
Gross Profit	EUR 576.3M
Net Income	EUR 143.2M
Net Income Growth	44.19%
Net Income Growth Q	7.85%
Net Income Growth3 Y	200.24%
Net Income Growth5 Y	1.39%
Pretax Margin	11.89%
Profit Margin	9.63%
Profit Per Employee	EUR 79,551
ROA	1.03
Roa5y	0.66
ROCE	1.72
ROE	11.74
Roe5y	6.97
ROIC	7.53
Roic5y	4.73

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	6.22%
Cagr1y	7.82%
Cagr3y	13.1%
Cagr5y	6.38%
Div CAGR10	2.9%
Div CAGR3	-0.63%
Div CAGR5	3.38%
EPS Growth	44.17
EPS Growth Q	8.7
EPS Growth3 Y	201.2
EPS Growth5 Y	1.69
Revenue Growth	5.46x
Revenue Growth Q	3.1x
Revenue Growth3 Y	7.27x
Revenue Growth5 Y	5.29x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	EUR 0.12
Assets	EUR 13B
Cash	EUR 295.6M
Debt	EUR 515M
Debt EBITDA	EUR 2.22
Debt Equity	EUR 0.4
Equity	EUR 1.3B
Interest Coverage	6.51
Liabilities	EUR 11.7B
Net Cash	EUR -498.4M
Net Cash By Market Cap	EUR -32.64
Net Debt EBITDA	EUR 2.15
Net Debt Equity	EUR 0.39
Tangible Book Value	EUR 1.1B
Tangible Book Value Per Share	EUR 27.1

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	3.34
Net Working Capital	EUR 1.9B
Quick ratio	0.36
Working Capital	EUR 1.9B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	0.06%
Dividend Growth	-4.24%
Dividend Growth Years	0%
Dividend per share	EUR 1.21
Dividend Years	14
Dividend Yield	3.21%
Ex Div Date	2026-03-17
Last Dividend	EUR 0.31
Payout Frequency	Quarterly

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	82.82%
1Y total return	7.82%
200-day SMA	37.62
3Y total return	44.69%
50-day SMA	37.26
50-day SMA vs 200-day SMA	50under200
5Y total return	36.25%
All Time High	43.09
All Time High Change	-12.28%
All Time High Date	2019-09-13
All Time Low	20.76
All Time Low Change	82.06%
All Time Low Date	2014-05-07
ATR	0.41
Ch YTD	-3.08
High	37.8
High52	40.2
High52 Date	2025-09-12
High52ch	-5.97%
Low	37.8
Low52	34.2
Low52 Date	2025-07-14
Low52ch	10.53%
Ma50ch	1.45%
Price vs 200-day SMA	0.49%
RSI	48.29
RSI Monthly	54.19
RSI Weekly	51.4
Sharpe ratio	0.17x
Sortino ratio	0.48
Total Return	3.27%
Tr YTD	-2.24
Tr1m	1.07%
Tr1w	-2.58%
Tr3m	1.94%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 208.9M
Operating margin	14.05

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	39,907,509%
Shares Insiders	1.12%
Shares Institutions	101.75%
Shares Qo Q	-0.96%
Shares Yo Y	-0.06%
Short Ratio	3.89

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	0x
Bv Per Share	31.17
Ch10y	32.37
Ch1m	1.07
Ch1w	-2.58
Ch1y	4.42
Ch3m	1.07
Ch3y	29.45
Ch5y	13.86
Ch6m	-2.58
Change	-2.07%
Change From Open	0
Close	38.6
Days Gap	-2.07
Earnings Date	2026-05-06
EBIT	EUR 208.9M
EBITDA	EUR 232.2M
EPS	EUR 3.45
F Score	4
Fiscal Year End	December
Founded	1,945
Goodwill	46,044,336.6
Graham Number	50.16879
Graham Upside	32.72
Income Tax	EUR 33.7M
Is Primary Listing	0
Last Earnings Date	2026-05-06
Last Report Date	2026-03-31
Lynch Fair Value	EUR 17.72
Lynch Upside	-53.11
Ma150	37.54
Ma150ch	0.7%
Ma20	38.23
Ma20ch	-1.12%
Next Earnings Date	2026-08-05
Open	37.8
Payment Date	2026-03-31
Price Date	2026-05-08
Price EBITDA	EUR 6.58
Ptbv Ratio	1.38
Relative Volume	2,000x
Revenue	1,486,812,390x
Tax By Revenue	2.26x
Tax Rate	19.03%
Tr6m	-0.98%
Volume	0

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

FRA/HM9 dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+3.2%

$1.21 annual per share

Payout ratio

n/a

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+3.4%

0 consecutive years of growth

Total shareholder yield

+3.3%

Next ex-dividend date: 2026-03-17

Performance

FRA/HM9 stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns FRA/HM9?

Insider, institutional, and short-interest positioning.

Institutional ownership

+101.7%

Share of float held by funds and institutions

Insider ownership

+1.1%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

FRA/HM9 momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

48.3

Neutral momentum band

Price vs 200-day MA

+0.5%

50/200-day relationship not available

Beta (5Y)

n/a

Sensitivity to the broader market

Sharpe ratio

0.17

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About FRA/HM9

Hub-level FAQ points readers to the deeper analysis pages.

What is the current fra/HM9 stock rating?

fra/HM9 is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full fra/HM9 analysis?

The full report lives at /stocks/fra/HM9/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for fra/HM9?

The latest report frames fra/HM9 around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the fra/HM9 page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.