Horace Mann Educators Corporation (HMN)

Currency in USD
45.18
-0.23(-0.51%)
Closed·
45.180.00(0.00%)
·
Earnings results expected in 15 days
HMN is not included in our AI-picked strategies. See which stocks are.
Fair Value
Day's Range
45.0745.84
52 wk Range
38.8848.33
Key Statistics
Prev. Close
45.41
Open
45.36
Day's Range
45.07-45.84
52 wk Range
38.88-48.33
Volume
126.95K
Average Volume (3m)
251.3K
1-Year Change
16.3234%
Book Value / Share
36.44
Fair Value
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Fair Value Upside
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HMN Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
51.50
Upside
+13.99%
Members' Sentiments
Bearish
Bullish
ProTips
2 analysts have revised their earnings downwards for the upcoming period
Show more

Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Neutral
Technical Indicators
Strong Sell
Moving Averages
Buy

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.

Industry
Insurance
Sector
Financial
Employees
1800

Horace Mann Educators Corporation SWOT Analysis


Educator-Focused Insure
Horace Mann's specialized approach to the educator market sets it apart, but also presents unique challenges and opportunities in the competitive insurance landscape
Financial Health Check
Explore Horace Mann's robust liquidity metrics, consistent dividend growth, and recent earnings outperformance, balanced against modest forward growth projections
Strategic Expansion
Delve into Horace Mann's acquisitions and product diversification efforts, including a new cancer offering, aimed at enhancing market reach and customer retention
Future Outlook
Learn about Horace Mann's EPS guidance of $3.60 to $3.90 for FY2025, its pursuit of double-digit ROE, and upcoming investor day, with analyst price targets around $44
Read full SWOT analysis

Horace Mann Educators Corporation Earnings Call Summary for Q4/2025

  • Horace Mann exceeded Q4 2025 expectations with EPS of $1.21 (vs. $1.17 forecast) and revenue of $434.8M (vs. $314.05M projected), despite a 0.93% premarket stock decline
  • 2025 delivered record core earnings of $196M, a 39% year-over-year increase, with trailing twelve-month core ROE reaching 12.4%
  • CEO Marita Zuraitis attributed success to strengthened value proposition for educators through expanded product offerings, digital enhancements, and strategic partnerships
  • Management provided 2026 core EPS guidance of $4.20-$4.50, projecting a 10% average compound annual growth rate while balancing business reinvestment with shareholder returns
  • Key challenges include macroeconomic pressures, reinsurance pricing adjustments, competitive retention pressures, and execution risks in product launches and digital transformation
Last Updated: 04/02/2026, 19:12
Read Full Transcript

Compare HMN to Peers and Sector

Metrics to compare
HMN
Peers
Sector
Relationship
P/E Ratio
11.3x10.2x10.0x
PEG Ratio
0.200.260.03
Price/Book
1.2x1.8x1.0x
Price / LTM Sales
1.1x1.1x2.9x
Upside (Analyst Target)
13.4%12.6%12.8%
Fair Value Upside
Unlock−0.4%1.5%Unlock

Analyst Ratings

2 Buy
1 Hold
0 Sell
Ratings:
3 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 51.50
(+13.99% Upside)
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate
BMO Capital
Buy50.00+10.67%51.00MaintainFeb 12, 2026
BMO Capital
Buy50.00+10.67%48.00MaintainAug 13, 2025
Piper Sandler
Hold48.00+6.24%45.00MaintainAug 07, 2025
BMO Capital
Buy48.00+6.24%-New CoverageJul 28, 2025
Piper Sandler
Hold45.00-0.40%44.00MaintainJul 03, 2025

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 3.90%
Dividend Yield
3.22%
Industry Median 3.34%
Annualised payout
1.44
Paid quarterly
5-Years Growth
+3.13%
Growth Streak

Earnings

Latest Release
Feb 03, 2026
EPS / Forecast
1.21 / 1.17
Revenue / Forecast
434.8M / 314.05M
EPS Revisions
Last 90 days

HMN Income Statement

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FAQ

What Is the Horace Mann Educators (HMN) Stock Price Today?

The Horace Mann Educators stock price today is 45.18 USD.

What Stock Exchange Does Horace Mann Educators Trade On?

Horace Mann Educators is listed and trades on the New York Stock Exchange.

What Is the Stock Symbol for Horace Mann Educators?

The stock symbol for Horace Mann Educators is "HMN."

What Is the Horace Mann Educators Market Cap?

As of today, Horace Mann Educators market cap is 1.83B USD.

What Is Horace Mann Educators's Earnings Per Share (TTM)?

The Horace Mann Educators EPS (TTM) is 3.90.

When Is the Next Horace Mann Educators Earnings Date?

Horace Mann Educators will release its next earnings report on May 06, 2026.

From a Technical Analysis Perspective, Is HMN a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Buy.

How Many Times Has Horace Mann Educators Stock Split?

Horace Mann Educators has split 1 times.

How Many Employees Does Horace Mann Educators Have?

Horace Mann Educators has 1800 employees.

What is the current trading status of Horace Mann Educators (HMN)?

As of Apr 21, 2026, Horace Mann Educators (HMN) is trading at a price of 45.18 USD, with a previous close of 45.41 USD. The stock has fluctuated within a day range of 45.07 USD to 45.84 USD, while its 52-week range spans from 38.88 USD to 48.33 USD.

What Is Horace Mann Educators (HMN) Price Target According to Analysts?

The average 12-month price target for Horace Mann Educators is 51.50 USD, with a high estimate of 53 USD and a low estimate of 50 USD. 2 analysts recommend buying the stock, while 0 suggest selling, leading to an overall rating of Buy. The stock has an +13.99% Upside potential.
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