Financials / Insurance - Property & CasualtyUpdated 2026-05-10 22:07 UTC

HMN stock hub

Horace Mann Educators Corporation has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

Browse stocks

HMNis not in this month’s coverageGet our monthly research letter — no spam

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

1.8B

NYSE

Market data

Live price

Current market quote for this ticker.

Current price

HMN

In the news

Latest news · HMN

Recent company headlines from major financial publishers.

—

Fetching the latest headlines.

—

Fetching the latest headlines.

—

Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

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/E9.9

P25 8.8P50 10.4P75 13.1

Trailing P/E11.2

P25 10.9P50 14.7P75 36.2

ROE11.7

P25 4.9P50 10.4P75 15

ROIC7.5

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All HMN 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

234

Groups with data

Currency

USD

Showing 234 of 234 available metrics for this ticker.

Profile and market data

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

Metric	Value
Cik	0000850141
Company name	Horace Mann Educators Corporation
Country	United States
Country code	US
Cusip	440327104
Employees	1,800
Employees Change	50%
Employees Change Percent	2.86
Enterprise value	$2.4B
Exchange	NYSE
Financial currency	USD
First seen	2026-05-09
Industry	Insurance - Property & Casualty
IPO Date	1991-11-15
Isin	US4403271046
Last refreshed	2026-05-10
Market cap	$1.8B
Market cap category	Small-Cap
Price	$44.51
Price currency	USD
Rev Per Employee	952,388.89x
Sector	Financials
Sic	6331
Symbol	HMN
Website	https://www.horacemann.com

Valuation

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

Metric	Value
Earnings Yield	9.19%
EV Earnings	14.37x
EV Sales Forward	1.29x
EV/EBIT	9.85x
EV/EBITDA	8.86x
EV/Sales	1.38x
Forward P/E	9.92x
P/B ratio	1.24x
P/E ratio	11.18x
P/S ratio	1.05x
PE Ratio10 Y	24.79x
PE Ratio3 Y	15.96x
PE Ratio5 Y	30.28x
PEG ratio	0.78x
PS Forward	0.98x

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	$664.5M
Net Income	$165.1M
Net Income Growth	44.19%
Net Income Growth Q	7.85%
Net Income Growth Quarters	1%
Net Income Growth Years	3%
Net Income Growth3 Y	200.24%
Net Income Growth5 Y	1.39%
Pretax Margin	11.89%
Profit Margin	9.63%
Profit Per Employee	$91,722
Profitable Years	32
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	6.38%
Cagr15y	10%
Cagr1y	10.17%
Cagr20y	7.92%
Cagr3y	14.45%
Cagr5y	5.81%
Div CAGR10	3.34%
Div CAGR3	3.01%
Div CAGR5	3.11%
EPS Growth	44.17
EPS Growth Q	8.7
EPS Growth Quarters	1
EPS Growth Years	3
EPS Growth3 Y	201.2
EPS Growth5 Y	1.69
Revenue Growth	5.46x
Revenue Growth Q	3.1x
Revenue Growth Quarters	15x
Revenue Growth Years	5x
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	$0.12
Assets	$15B
Cash	$340.8M
Debt	$593.8M
Debt EBITDA	$2.22
Debt Equity	$0.4
Equity	$1.5B
Interest Coverage	6.51
Liabilities	$13.5B
Net Cash	$-574.7M
Net Cash By Market Cap	$-31.97
Net Debt EBITDA	$2.15
Net Debt Equity	$0.39
Tangible Book Value	$1.3B
Tangible Book Value Per Share	$31.24
WACC	4.96

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	3.34
Net Working Capital	$2.2B
Quick ratio	0.36
Working Capital	$2.2B

Dividends and buybacks

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

Metric	Value
Buyback Yield	0.06%
Dividend Growth	2.92%
Dividend Growth Years	16%
Dividend per share	$1.44
Dividend Years	35
Dividend Yield	3.24%
Ex Div Date	2026-03-17
Last Dividend	$0.36
Payout Frequency	Quarterly
Payout Ratio	34.72%

Performance and technicals

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

Metric	Value
10Y total return	85.66%
1Y total return	10.16%
200-day SMA	44.5
3Y total return	49.94%
50-day SMA	43.93
50-day SMA vs 200-day SMA	50under200
5Y total return	32.64%
All Time High	48.33
All Time High Change	-7.89%
All Time High Date	2025-11-05
All Time Low	4
All Time Low Change	1,012.75%
All Time Low Date	2008-10-09
ATR	1.06
Beta	0.12
Beta1y	0.39
Beta2y	0.31
Ch YTD	-3.62
High	45.12
High52	48.33
High52 Date	2025-11-05
High52ch	-7.89%
Low	43.93
Low52	40.04
Low52 Date	2025-07-16
Low52ch	11.16%
Ma50ch	1.32%
Price vs 200-day SMA	0.03%
RSI	46.17
RSI Monthly	57.38
RSI Weekly	51.69
Sharpe ratio	0.38x
Sortino ratio	0.82
Total Return	3.3%
Tr YTD	-2.79
Tr15y	317.9%
Tr1m	1.25%
Tr1w	-3.18%
Tr3m	3.96%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	3
Analyst Count Top	2
Analyst Price Target Top	$47
Analyst Ratings	Buy
Analyst Ratings Top	Buy
Earnings EPS Estimate	$1.1
Earnings EPS Estimate Growth	2.8
Earnings Revenue Estimate	445,400,000x
Earnings Revenue Estimate Growth	6.96x
Operating Income	$240.9M
Operating margin	14.05
Price target	$47.33
Price Target Change	$6.34
Price Target Change Top	$5.59

Ownership and float

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

Metric	Value
Float	39,907,509%
Float Percent	98.83%
Shares Insiders	1.12%
Shares Institutions	101.75%
Shares Out	40,381,172
Shares Qo Q	-0.96%
Shares Yo Y	-0.06%
Short Float	2.28%
Short Ratio	3.92
Short Shares	2.26

Other indicators

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

Metric	Value
Average Volume	191,528.1x
Bv Per Share	35.94
Ch10y	34.88
Ch15y	159.7
Ch1m	1.25
Ch1w	-3.18
Ch1y	6.71
Ch20y	154.3
Ch3m	3.08
Ch3y	34.27
Ch5y	10.97
Ch6m	-1.83
Change	-1.42%
Change From Open	-1.35
Close	45.15
Days Gap	-0.07
Dollar Volume	7,613,480
Earnings Date	2026-05-06
Earnings Time	amc
EBIT	$240.9M
EBITDA	$267.8M
EPS	$3.98
F Score	4
Fiscal Year End	December
Founded	1,945
Goodwill	54,300,000
Graham Number	56.73187
Graham Upside	27.46
Income Tax	$38.8M
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-05-06
Last Report Date	2026-03-31
Last Split Date	1997-12-16
Last Split Type	Forward
Last10k Filing Date	2026-02-27
Lynch Fair Value	$19.9
Lynch Upside	-55.29
Ma150	44.4
Ma150ch	0.25%
Ma20	45.37
Ma20ch	-1.9%
Next Earnings Date	2026-08-05
Open	45.12
Optionable	Yes
Payment Date	2026-03-31
Position In Range	48.74
Price Date	2026-05-08
Price EBITDA	$6.71
Ptbv Ratio	1.41
Relative Volume	0.89x
Revenue	1,714,300,000x
Tax By Revenue	2.26x
Tax Rate	19.03%
Tr20y	359.21%
Tr6m	-0.23%
Us State	Illinois
Volume	171,051

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

HMN dividend yield, growth & safety

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

Dividend yield

+3.2%

$1.44 annual per share

Payout ratio

+34.7%

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

5Y dividend CAGR

+3.1%

16 consecutive years of growth

Total shareholder yield

+3.3%

Next ex-dividend date: 2026-03-17

Performance

HMN stock returns vs the market

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

Ownership

Who owns HMN?

Insider, institutional, and short-interest positioning.

Institutional ownership

+101.7%

Float: +98.8% of shares outstanding

Insider ownership

+1.1%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

HMN momentum and risk profile

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

RSI (14)

46.2

Neutral momentum band

Price vs 200-day MA

+0.0%

50/200-day relationship not available

Beta (5Y)

0.12

Less volatile than the market

Sharpe ratio

0.38

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

Peers

HMN vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	Réduire
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	Réduire
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	Réduire

Questions

About HMN

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

What is the current HMN stock rating?

Horace Mann Educators Corporation 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 HMN analysis?

The full report lives at /stocks/HMN/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 HMN?

The latest report frames HMN 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 HMN 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.