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Horace Mann Educators Corporation HMN R2K

Financial Services · Insurance - Property & Casualty · United States
https://www.horacemann.com
Company Profile ↓
$52.30
+31.64% 1Y
Mkt Cap$2.11B
P/E13.14
P/B1.36
Div. Yield2.95%
52W High$54.12
52W Low$38.94
Book Value$35.94
EPS (TTM)$3.98

Company Overview

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.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 13.1, below the sector median of 13.3.

Dividend Income

Offers a dividend yield of 2.95%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $1.70B (+6.7% YoY); net profit $162.10M.
  • Trailing 12 Months Year-on-year growth — revenue +3.1%, earnings +8.7%.
  • 5-Year Trend Long-term compounding — revenue CAGR 3.8%, profit CAGR 5.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:3.80%
1 Year:3.10%

Compounded Profit Growth

5 Years:5.07%
1 Year:8.70%

Stock Price Performance

1 Year:+31.64%
6 Months:+19.47%
3 Months:+17.77%
1 Month:+8.08%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 88% of range
$38.94 $54.12
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)63.15 · Neutral
Price Performance
1M+8.08%
3M+17.77%
6M+19.47%
1Y+31.64%
Valuation vs Sector

P/E of 13.14 is below the sector median of 13.30 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Attractive dividend yield of 2.95%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
13.14
Industry PE
13.30
Forward P/E
10.31
PEG Ratio
1.16
Book Value
$35.94
Price to Book
1.36
P/S
1.15
EV/EBITDA
9.23
Dividend Yield
2.95%

Growth (CAGR)

Revenue 5Y
3.80%
Profit 5Y
5.07%
Revenue (YoY)
3.10%
Earnings (YoY)
8.70%

Profitability & Returns

ROCE
-
ROE
11.74%
ROA
1.03%
Profit Margin
9.63%
Op Margin
13.91%
Gross Margin
38.76%
EPS (Latest Qtr)
$1.00
EPS (TTM)
$3.98

Balance Sheet & Liquidity

Debt/Equity
0.40
Quick Ratio
0.09
Current Ratio
2.84
Debt
$593.80M
Total Assets
$14.97B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
1.65%
Chg in Prom Hold
0.03%
FII / Inst Holding
103.95%
Chg in FII Hold
-0.36%

Financial Snapshot

Enterprise Value
$2.11B
Total Revenue (TTM)
$1.71B
EBITDA
$267.70M
Free Cash Flow
$275.64M
Operating Cash Flow
$473.70M
Shares Outstanding
40.38M
Gross Margin
38.76%
Payout Ratio
35.43%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 HMN Horace Mann Educators Corporation R2K 52.30 13.14 $2.11B 2.95% - 11.74% 3.80% 5.07%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue 265.75M276.11M271.30M283.56M291.18M282.87M287.30M291.44M289.82M302.99M295.49M306.26M311.32M278.54M313.21M451.48M334.42M331.38M307.30M314.90M337.10M352.34M321.70M346.90M329.40M331.20M346.70M345.90M342.60M346.40M353.90M356.40M378.70M386.00M388.10M412.10M416.40M411.70M438.50M429.30M
Net Income 21.98M21.04M25.15M11.87M26.92M19.82M15.32M2.26M26.55M125.33M20.16M5.92M12.53M-20.26M32.17M93.82M25.45M33.00M18.50M30.50M36.50M47.79M49.10M54.20M20.20M46.90M20.30M-4.20M20.40M-16.70M6.60M-12.80M11.70M26.50M3.80M34.30M38.20M29.40M58.30M41.20M
Diluted EPS 0.520.500.610.290.650.480.370.050.643.000.480.140.30-0.490.772.240.600.780.440.730.871.131.161.290.481.110.48-0.100.49-0.400.16-0.310.280.640.090.830.920.711.401.00

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 937.43M974.71M998.30M1.01B1.03B1.06B1.08B1.13B1.17B1.19B1.43B1.31B1.33B1.38B1.49B1.60B1.70B
Net Income 73.49M80.13M70.51M103.87M110.89M104.24M93.48M83.77M169.46M18.34M184.40M133.30M170.40M19.80M45.00M102.80M162.10M
Diluted EPS 1.811.951.702.512.662.472.202.024.080.444.403.174.040.471.092.483.90

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -6.95B7.44B8.17B8.83B9.77B10.06B10.58B11.20B11.03B12.48B13.47B14.46B13.31B14.05B14.49B15.27B
Total Equity 719.54M847.09M1.06B1.25B1.10B1.34B1.26B1.29B1.50B1.29B1.57B1.79B1.50B1.10B1.18B1.29B1.48B
Cash & Equivalents ---------------38.10M27.50M
Long Term Debt -199.68M199.74M199.81M199.87M199.94M246.97M247.21M297.47M297.74M298.02M302.30M253.60M249.00M546.00M547.00M593.40M
Total Liabilities -6.10B6.38B6.92B7.73B8.43B8.79B9.28B9.70B9.74B10.91B11.68B12.58B12.21B12.87B13.20B13.78B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 178.90M157.75M115.88M202.85M205.94M221.93M207.71M211.43M256.59M200.89M127.60M259.80M204.90M171.50M302.10M452.10M553.20M
Investing Cash Flow -267.91M-304.07M-303.01M-354.80M-598.33M-565.51M-415.85M-325.36M-228.66M-186.50M55.90M-406.80M-302.00M-214.60M-107.40M-135.80M-252.10M
Financing Cash Flow 87.65M144.40M188.65M159.68M395.40M337.07M211.97M115.09M-36.97M-10.11M-169.90M143.80M208.50M-47.80M-207.80M-307.90M-311.70M
Share Buybacks --2.05M--------------

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % 7.8%8.2%7.1%10.3%10.8%9.8%8.7%7.4%14.5%1.5%12.9%10.2%12.8%1.4%3.0%6.4%9.5%
ROE % 10.2%9.5%6.7%8.3%10.1%7.8%7.4%6.5%11.3%1.4%11.8%7.4%11.4%1.8%3.8%8.0%10.9%
ROCE % -----------------

Shareholding Pattern

Insiders
1.65%
Institutions
103.95%
Public Float
105.69%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 14.60% 5.90M $317.75M
2 Franklin Resources, Inc. 7.43% 3.00M $161.64M
3 Vanguard Portfolio Management LLC 7.04% 2.84M $153.14M
4 Price (T.Rowe) Associates Inc 6.35% 2.56M $138.17M
5 Dimensional Fund Advisors LP 5.41% 2.18M $117.73M
6 Fuller & Thaler Asset Management Inc. 4.92% 1.99M $107.00M
7 Vanguard Capital Management LLC 4.52% 1.82M $98.33M
8 State Street Corporation 4.28% 1.73M $93.16M
9 Earnest Partners LLC 2.79% 1.13M $60.72M
10 Geode Capital Management, LLC 2.62% 1.06M $56.97M

Analyst View

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Latest News

Recent headlines for HMN

Google News ue, 14 Jul 2026

Hsbc Holdings PLC Makes New Investment in Horace Mann Educators Corporation $HMN - MarketBeat

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Google News Sun, 14 Jun 2026

Horace Mann Educators (HMN) Stock Valuation Check After Recent Share Price Momentum - Yahoo Finance

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Google News Sun, 05 Jul 2026

Discipline and Rules-Based Execution in HMN Response - Stock Traders Daily

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Google News hu, 02 Jul 2026

Horace Mann CEO Marita Zuraitis sells $394,612 in HMN shares - Investing.com

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Google News Mon, 06 Apr 2026

HORACE MANN EDUCATORS CORP /DE/ ($HMN) President & CEO 2025 Pay Revealed - Quiver Quantitative

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Google News Sun, 05 Jul 2026

Should Earnings Momentum Amid Slower Growth Require Action From Horace Mann Educators (HMN) Investors? - simplywall.st

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HMN — Frequently Asked Questions

What is the current share price of Horace Mann Educators Corporation (HMN)?

As of 2026-07-14 21:23 PDT, Horace Mann Educators Corporation (HMN) trades at $52.30 on NYSE. Its 52-week range is $38.94 to $54.12.

What is the market capitalisation of HMN?

Horace Mann Educators Corporation (HMN) has a market capitalisation of $2.11B on NYSE.

What is the P/E ratio of HMN?

HMN trades at a trailing price-to-earnings (P/E) ratio of 13.14. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.36.

Does HMN pay a dividend?

Horace Mann Educators Corporation (HMN) currently offers a dividend yield of 2.95%.

What is the return on equity (ROE) of HMN?

HMN has a return on equity (ROE) of 11.74%.

Is HMN a good stock to buy?

This page provides a data-driven analysis of Horace Mann Educators Corporation (HMN), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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