Horace Mann Educators Corporation (HMN)

NYSE: HMN · USD

$45.8

-0.52 (-1.1%)· Recorded snapshot

Market cap	1.9B
Revenue (ttm)	1.7B
Net income (ttm)	177.3M
EPS (ttm)	$4.28
Shares out	40.5M
P/E (trailing)	10.7x
P/E (forward)	9.8x
Dividend	$1.44 (3.15%)
Volume	88,536
Beta	0.10

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 1.7B
Net income (ttm): 177.3M
EPS (ttm): $4.28
P/E (trailing): 10.7x
P/E (forward): 9.8x
Market cap: 1.9B

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	ซื้อมาก
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	ซื้อมาก
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	ถือ

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E9.8

P25 8.7P50 10.4P75 12.8

Trailing P/E10.7

P25 10.7P50 13.5P75 31.8

ROE12.4

P25 4.9P50 11P75 15.4

ROIC10

P25 -0.7P50 6.7P75 12.6

Benchmarks · 1M

All HMN indicators

Market & fundamental data

Available fields

254

Groups with data

Currency

USD

Showing 254 of 254 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	USD
CIK code	0000850141
Company name	Horace Mann Educators Corporation
Country	United States
Country code	US
CUSIP number	440327104
Earnings date	2026-11-03
Earnings time	amc
Employees	1,800
Employees change	50
Employees growth	2.86%
Enterprise value	$2.4B
Exchange	NYSE
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1945
In index	RUSSELL2000
Industry	Insurance - Property & Casualty
IPO date	1991-11-15
Is primary listing	Yes
Is SPAC	No
ISIN number	US4403271046
Last 10-K release date	2026-02-27
Last earnings date	2026-08-05
Last refreshed	2026-10-28
Last stock split date	1997-12-16
Last stock split type	Forward
Market cap	$1.9B
Market cap category	Small-Cap
Next earnings date	2026-11-03
Options	Yes
Price	$45.75
Price currency	USD
Sector	Financials
SIC code	6331
Stock price date	2026-10-28
Symbol	HMN
U.S. state	Illinois
Website	https://www.horacemann.com

Valuation

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

Metric	Value
Adjusted P/E ratio	9.11x
Average P/E ratio (10Y)	24.65x
Average P/E ratio (3Y)	15.58x
Average P/E ratio (5Y)	30.43x
Earnings yield	9.36%
EV/Earnings	13.59x
EV/EBIT	9.47x
EV/EBITDA	8.57x
EV/Sales	1.38x
Forward EV/Sales	1.26x
Forward P/E	9.84x
Forward P/S	0.97x
Graham number	59.79237
Graham upside	30.18%
Industry forward P/E	12.55x
Industry P/E	10.1x
Lynch fair value	$21.41
Lynch upside	-53.39%
P/(OCF - SBC) ratio	3.34x
P/B ratio	1.25x
P/E ratio	10.69x
P/OCF ratio	3.29x
P/S ratio	1.07x
Price / tangible book value	1.42x
Price/EBITDA ratio	6.61x
Sector forward P/E	13.61x
Sector P/E	15.65x

Profitability

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

Metric	Value
EBIT margin	14.57%
EBITDA margin	16.11%
Effective tax rate	18.07%
Gross margin	39.49%
Operating margin	14.57%
Pretax margin	12.39%
Profit margin	10.15%
Profit per employee	$98,500
Profitable quarters	12
Profitable years	32
Revenue per employee	$970,056
ROA	1.05%
ROA (5Y)	0.66%
ROCE	1.75%
ROE	12.38%
ROE (5Y)	6.97%
ROIC	10.02%
ROIC (5Y)	4.73%
SBC / revenue	0.55%
Tax / revenue	2.24%

Growth

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

Metric	Value
EPS growth	26.67%
EPS growth (Q)	42.25%
EPS growth (QoQ)	1%
EPS growth 10Y	8.45%
EPS growth 5Y	1.12%
EPS growth quarters	2
EPS growth years	3
Net income growth	26.55%
Net income growth (Q)	41.5%
Net income growth (QoQ)	0.97%
Net income growth 5Y	0.81%
Net income growth quarters	2
Net income growth years	3
OCF growth	-7.12%
OCF growth (Q)	70.37%
OCF growth (QoQ)	264.93%
OCF growth 10Y	9.69%
OCF growth 3Y	32.13%
OCF growth 5Y	21.84%
Revenue growth	5.88%
Revenue growth (Q)	7.72%
Revenue growth (QoQ)	3.31%
Revenue growth 10Y	4.76%
Revenue growth 3Y	7.66%
Revenue growth 5Y	5.15%
Revenue growth quarters	16
Revenue growth years	5

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
EBIT	$254.4M
EBITDA	$281.3M
EPS	$4.28
Financing cash flow	$-294M
Gross profit	$689.5M
Income taxes	$39.1M
Investing cash flow	$-266.8M
Net borrowing	$-773.3M
Net cash flow	$5.3M
Net income	$177.3M
Operating cash flow minus SBC	$556.5M
Operating income	$254.4M
Revenue	$1.7B
Stock-based compensation	$9.6M

Financial strength

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

Metric	Value
Book value per share	$37.11
Debt / EBITDA	2.11
Debt / equity	0.4
Goodwill	$54.3M
Interest coverage	6.69
Net cash (debt)	$-549.6M
Net cash / market cap	-29.55%
Net debt / EBITDA	1.95
Net debt / equity	0.37
Piotroski F-Score	5
Shareholders' equity	$1.5B
Tangible book value	$1.3B
Tangible book value per share	$32.45
Total assets	$15.6B
Total cash	$229.4M
Total debt	$594.2M
Total liabilities	$14.1B
WACC	4.89%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.12
Current ratio	2.87
Net working capital	$1.9B
Quick ratio	0.22
Working capital	$2B

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	0.36%
Dividend growth	2.88%
Dividend growth (10Y)	3.19%
Dividend growth (3Y)	2.96%
Dividend growth (5Y)	3.06%
Dividend growth years	16
Dividend payment date	2026-09-30
Dividend payment years	35
Dividend payout frequency	Quarterly
Dividend per share	$1.44
Dividend yield	3.15%
Ex-dividend date	2026-09-16
Last dividend	$0.36
Payout ratio	33.63%
Shareholder yield	3.49%

Performance and technicals

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

Metric	Value
10Y price change	28.33%
10Y return CAGR	5.85%
10Y total return	76.55%
150-day SMA	$48.14
15Y price change	230.56%
15Y return CAGR	11.78%
15Y total return	431.18%
1D price change	-1.12%
1M price change	0.88%
1M total return	0.88%
1W price change	-1.29%
1W total return	-1.29%
1Y price change	3.02%
1Y return CAGR	6.25%
1Y total return	6.24%
20-day SMA	$45.93
200-day SMA	$46.86
20Y price change	128.75%
20Y return CAGR	7.36%
20Y total return	314.18%
3M price change	-11.61%
3M total return	-10.96%
3Y price change	47.77%
3Y return CAGR	17.87%
3Y total return	63.78%
50-day SMA	$47.88
50-day SMA vs 200-day SMA	50over200
52-week high	$55.56
52-week high date	2026-07-07
52-week low	$41.29
52-week low date	2026-03-20
5Y price change	16.77%
5Y return CAGR	6.87%
5Y total return	39.41%
6M price change	-0.11%
6M total return	1.37%
All-time high	$55.56
All-time high date	2026-07-07
All-time low	$4.00
All-time low date	2008-10-09
Average true range (ATR)	$0.90
Average volume	267.2K
Beta (1Y)	0.05
Beta (2Y)	0.3
Beta (5Y)	0.1
Change from 52-week high	-17.66%
Change from 52-week low	10.8%
Change from all-time high	-17.66%
Change from all-time low	1,043.75%
Change from open	-0.39%
Day's gap	-0.73%
Dollar volume	$4.1M
High price	$45.93
Low price	$45.60
Monthly RSI	53.67
Open price	$45.93
Position in 52-week range	45.45%
Premarket change	-0.11%
Premarket close	$46.27
Premarket price	$46.22
Previous close	$46.27
Price vs 150-day SMA	-4.96%
Price vs 20-day SMA	-0.4%
Price vs 200-day SMA	-2.36%
Price vs 50-day SMA	-4.45%
Relative volume	0.33
RSI	42.15
Sharpe ratio	0.2
Sharpe ratio (3Y)	0.66
Sharpe ratio (5Y)	0.21
Sortino ratio	0.57
Sortino ratio (3Y)	1.23
Sortino ratio (5Y)	0.52
Volume	88.5K
Weekly RSI	41.98
YTD price change	-0.93%
YTD total return	1.4%

Ownership and float

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

Metric	Value
Float	40.3M
Float percentage	99.42%
Shares change (QoQ)	0%
Shares change (YoY)	-0.36%
Shares held by insiders	0.54%
Shares held by institutions	105.07%
Shares outstanding	40.5M
Short % of float	2.53%
Short % of shares	2.51%
Short ratio	2.9 days

Deeper analysis on HMN

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this HMN report

Is a complete HMN research report available?

No complete published report is available for Horace Mann Educators Corporation (HMN) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Horace Mann Educators Corporation (HMN)

Price

Financial snapshot

Fair-value bridge

Latest news · HMN

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All HMN indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on HMN

Frequently asked questions