Stock Evaluator: Horace Mann Educators Corporation (HMN)

Horace Mann Educators Corporation HMN

$53.25 0.08 0.15%

November 6, 2026 4:00:03 PM EST Volume: 350,108

After Hours: $120.37 0.15 | 0.12% November 10, 2021 7:59 PM EST Volume: 72,713

USD NYSE | DELAYED PRICE

SECTOR	INDUSTRY
Financials	Insurance

A+ Stock Grade Summary:

VALUE:
GROWTH:
MOMENTUM:
EPS REVISIONS:
QUALITY:

COMPANY SUMMARY

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.

Commentary & Analysis

Earnings

What You Need to Know About Horace Mann Educators Corporation's Q4 Earnings

Horace Mann Educators Corporation's fiscal Q4 earnings report was released on Tuesday, November 03. Let's dive in to see if (HMN) missed or beat analyst's expectations.

Rosalio Madrigal

Value Automated

5 Undervalued Insurance Stocks for Monday, November 02

Discover the top 5 undervalued Insurance stocks for Monday, November 02 based on AAII’s Stock Grades.

Rosalio Madrigal

Value Automated

5 Undervalued Insurance Stocks for Tuesday, September 29

Discover the top 5 undervalued Insurance stocks for Tuesday, September 29 based on AAII’s Stock Grades.

Michael Rose

Overvalued

Is Horace Mann Educators Corporation (HMN) Overvalued?

We dive into why Horace Mann Educators Corporation (HMN) could be considered overvalued on 2026-08-05, based on AAII’s Value Score and Grade.

Tudor Pop

Earnings

What You Need to Know About Horace Mann Educators Corporation's Q3 Earnings

Horace Mann Educators Corporation's fiscal Q3 earnings report was released on Wednesday, August 05. Let's dive in to see if (HMN) missed or beat analyst's expectations.

Michael Rose

Financial Summary

Share Statistics	HMN	Industry Median	Percentile (All Stocks)
Market Cap (Mil)	$2,156.7	$6,068.3	56%
Shares Out (Mil)	41.2	77.9	43%
Institutional Ownership	99.5%	80.2%	89%
Float (Mil)	40.3	65.8	42%
Beta	0.09	0.46	9%
Avg Daily Volume (000s)	337	258	51%
Price Change (52-week)	13.9%	88.7%	64%

Growth	HMN	Industry Median	Percentile (All Stocks)
Sales (5yr)	5.4%	5.4%	39%
Net Income (5yr)	4.0%	14.5%	46%
EPS (5yr)	4.2%	15.6%	37
Dividends (5yr)	3.1%	4.0%	85%
Cash Flow (5yr)	(26.6%)	(13.3%)	24%

Estimates	Qtrly	Current Fiscal Year	Next Fiscal Year
# of Estimates	2	3	3
Current EPS	$1.295	$4.860	$5.363
Month Ago EPS	$1.340	$4.860	$5.380
# Rev Up	1	1	1
# Rev Down	1	1	1
Three Months Ago EPS	$1.430	$4.570	$5.237
Year/Year Chg	28.2%	24.6%	46.7%

Financials	HMN	Industry Median	Percentile (All Stocks)
Sales (TTM) (Mil)	$1,746	$4,781	58%
Net Income (TTM) (Mil)	$177	$518	66%
EPS (TTM)	$4.324	$2.400	84%
Operating Cash Flow (TTM) (Mil)	$566	$566	73%
Net Cash Flow (TTM) (Mil)	$5	($1)	54%
Long-Term Debt (Q1) (Mil)	$594	$915	61%
Enterprise Value (Q1) (Mil)	$2,635	$7,070	53%

Valuation	HMN	Industry Median	Percentile (All Stocks)
P/B	1.43	1.62	42%
P/E	12.4	12.3	30%
Dividend Yield	2.7%	1.0%	82%
PEG (5yr hist)	3.0	0.5	79%

Ratios	HMN	Industry Median	Percentile (All Stocks)
Gross Margin	39.9%	34.7%	50%
Net Margin	10.2%	10.2%	62%
ROA	1.2%	2.5%	48%
ROE	12.4%	14.3%	64%
Liabilities to Assets	90.4%	78.1%	87%
F-Score	6	6	67%

Passing Stock Screens

As of 11/6/2026, from a list of 60 stock screening strategies, HMN meetings the criteria of 2 screen:

Stock Screen

GURU STRATEGY

Graham--Defensive Investor (Non-Utility) Screen

Factors: Yield, Value, Quality

Credited as one of the fathers of in-depth security analysis, Graham's approach focuses on the concept of intrinsic value.

Performance Since Inception:	11.5%
+/- S&P 500:	+4.1

Passing Stocks

Alamo Group Inc.	ALG
American Financial Group, Inc.	AFG
Barrick Mining Corporation	B
Boise Cascade Company	BCC
Century Communities, Inc.	CCS

See All 36 Stocks (as of 11/6/2026)

GURU STRATEGY

Graham--Defensive Investor (Utility) Screen

Factors: Yield, Value, Quality, Industry/Sector

Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.

Performance Since Inception:	6.9%
+/- S&P 500:	-0.5