Inside the research
Horace Mann Educators Corporation
HMN Research profile · latest available data
Price overview
$45.35
▼ -0.53 (-1.2%)
| 52w hi | $53.73 |
|---|---|
| 52w lo | $40.88 |
| Vol | 372.10K |
| As of | 25 Sep 2026 |
The Verdict
Our score +0.03
| Short | -0.18 |
|---|---|
| Medium | +0.06 |
| Long | +0.37 |
computed 2026-09-27
Key fundamentals
Horace Mann Educators Corporation
Financial Services · Insurance - Property & Casualty
| Market cap | $1.84B |
|---|---|
| Enterprise value | $2.20B |
| Trailing P/E | 10.60x |
| Forward P/E | 8.56x |
| EV / EBITDA | 7.83x |
| P / S (ttm) | 1.05x |
| Profit margin | 10.2% |
| Return on equity | 12.4% |
| Revenue growth | +7.7% |
| Earnings growth | +42.3% |
| Debt / equity | 39.54 |
Layer Breakdown
| Layer | Raw | Contribution |
|---|---|---|
| Fundamental | +0.37 | |
| Sector | +0.02 | |
| Technical | -0.08 | |
| Earnings | +0.00 | |
| Sentiment | -0.07 |
macro × 1.00 · 2026-09-27
Business 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.
Risk Metrics
| Beta vs SPX | 0.32 |
|---|---|
| Corr SPX | 0.22 |
| Annual vol | 23.1% |
| Annual ret | +16.0% |
| Sharpe | 0.69 |
| Max DD | -16.2% |
Window: 504 trading days (504 obs)
Material Events
| Date | Event | 8-K |
|---|---|---|
| 2026-08-05 | Earnings Release, Exhibits | read |
| 2026-07-21 | Material Agreement, Material Obligation… | read |
| 2026-07-21 | Material Agreement, Material Obligation… | read |
| 2026-05-21 | Shareholder Vote | read |
| 2026-05-06 | Earnings Release, Exhibits | read |
| 2026-03-27 | Officer / Director Change | read |
| 2026-02-03 | Earnings Release, Exhibits | read |
| 2025-11-04 | Earnings Release, Exhibits | read |
| 2025-09-29 | Other Material Event | read |
| 2025-09-26 | Other Material Event, Exhibits | read |
| 2025-08-13 | Officer / Director Change | read |
| 2025-08-06 | Earnings Release, Exhibits | read |
SEC Filings
The Long Run
FY 2011–2025 · 15 years
| Line | Latest | CAGR | Trend |
|---|---|---|---|
| Revenue | $1.49B | +3.1% | |
| Net income | $162.10M | +5.8% | |
| Cash from ops | $302.10M | +4.5% |
Indices
Recent Sessions
| Date | Open | High | Low | Close | Vol |
|---|---|---|---|---|---|
| Sep 25 | $46.00 | $46.24 | $45.31 | $45.35 | 372.10K |
| Sep 24 | $46.94 | $46.94 | $45.85 | $45.88 | 375.40K |
| Sep 23 | $47.51 | $47.65 | $46.30 | $46.54 | 334.00K |
| Sep 22 | $48.43 | $48.43 | $47.13 | $47.21 | 303.50K |
| Sep 21 | $48.52 | $48.86 | $48.12 | $48.20 | 250.00K |
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