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Horace Mann Educators Corporation (HMN)

46.72 +0.10 (+0.21%)
At close: October 30 at 4:00:03 PM EDT
46.72 0.00 (0.00%)
After hours: October 30 at 4:25:04 PM EDT
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Chart Range Bar
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  • Previous Close 46.62
  • Open 47.19
  • Bid 43.71 x 10000
  • Ask 46.71 x 30000
  • Day's Range 46.55 - 46.80
  • 52 Week Range 41.29 - 55.56
  • Volume 298,391
  • Avg. Volume 288,646
  • Market Cap (intraday) 1.892B
  • Beta (5Y Monthly) 0.10
  • PE Ratio (TTM) 10.92
  • EPS (TTM) 4.28
  • Earnings Date Nov 3, 2026
  • Forward Dividend & Yield 1.44 (3.08%)
  • 1y Target Est 56.50
  • Zacks Rating Neutral

Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. It operates through three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits segments. The Property & Casualty segment offers insurance products, including private passenger auto insurance, residential home insurance, and personal umbrella insurance; standard auto coverage including liability, collision, and comprehensive; property coverage for homeowners and renters. The Life & Retirement segment sells tax-qualified fixed, fixed indexed, and variable annuities; the Horace Mann Retirement Advantage open architecture platform and other defined contribution plans; traditional term, whole life insurance products, and indexed universal life (IUL) products. This segment also offers Life by Design, a portfolio of individual whole life and individual term insurance products that address the financial planning needs of educators; Life Select, a combination product that mixes a base of either traditional whole life, 20-pay life, or life paid-up at age 65 with a variety of term riders; single premium whole life products; and cash value term. The Supplemental & Group Benefits segment offers employer-sponsored products, including accident, critical illness, limited-benefit fixed indemnity insurance, term life, and short-term and long-term disability, as well as worksite direct products, such as supplemental heart, cancer, disability, and accident coverages. The company offers individual protection and savings solutions, including auto insurance, property insurance, liability insurance, 403(b) retirement plans, mutual funds, life insurance, student loan solutions, credit monitoring, and financial wellness workshops. It distributes its products and services through agents, brokers, benefit specialists, direct and digital channels. The company was founded in 1945 and is headquartered in Springfield, Illinois.

www.horacemann.com

1,800

Full Time Employees

December 31

Fiscal Year Ends

Recent News

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Performance Overview

Trailing total returns as of 10/30/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC) .

YTD Return

HMN
3.54%
S&P 500 (^GSPC)
10.73%

1-Year Return

HMN
8.13%
S&P 500 (^GSPC)
11.11%

3-Year Return

HMN
65.39%
S&P 500 (^GSPC)
81.91%

5-Year Return

HMN
42.36%
S&P 500 (^GSPC)
64.59%

Earnings Trends

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Earnings Per Share

GAAP
Normalized
GAAP
Normalized

Revenue vs. Earnings

Annual
Quarterly
Annual
Quarterly
Q2 FY26
Revenue 443.5M
Earnings 41.6M
Profit Margin 9.38%

Q3

FY25

Q4

FY25

Q1

FY26

Q2

FY26

0
100M
200M
300M
400M
9.0%
10.0%
11.0%
12.0%
13.0%

Analyst Insights

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Analyst Price Targets

54.00
56.50 Average
46.72 Current
59.00 High

Analyst Recommendations

  • Strong Buy
  • Buy
  • Hold
  • Underperform
  • Sell

Latest Rating

Date 7/28/2025
Analyst BMO Capital
Rating Action Initiated
Rating Outperform
Price Action Announces
Price Target 48

Statistics

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Valuation Measures

Annual
  • Market Cap

  • Enterprise Value

  • Trailing P/E

  • Forward P/E

  • PEG Ratio (current)

  • Price/Sales (ttm)

  • Price/Book (mrq)

  • Enterprise Value/Revenue

  • Enterprise Value/EBITDA

Financial Highlights

Profitability and Income Statement

  • Profit Margin

    10.15%

  • Return on Assets (ttm)

    1.05%

  • Return on Equity (ttm)

    12.39%

  • Revenue (ttm)

    1.75B

  • Net Income Avi to Common (ttm)

    177.3M

  • Diluted EPS (ttm)

    4.28

Balance Sheet and Cash Flow

  • Total Cash (mrq)

    229.4M

  • Total Debt/Equity (mrq)

    39.54%

  • Levered Free Cash Flow (ttm)

    222.65M

Company Insights

Research Reports

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