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Horace Mann Educators Corporati

HMN

Last
$45.56
Day
-0.7%
1y
+2.0%
5y
+12.4%
52w
-17.4%
SPY YTD
+13.3%
XLF
-1.3%
Earnings
2026-11-0323d
EMA 21
46.69
EMA 50
48.32
EMA 200
47.43
20d high
-8.3%
5y high
-17.4%
5y range
65th
Website · 1,800 employees · United States

Positions held

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Add it to see shares, cost, and P&L here.

Score
1
Hold
watch
Signal
Neutral
Target
$47.62
Stop
$44.47
Stop distance
2.4%
Target vs last
+4.5%

Bull / bear case

Site-generated summary from fundamentals, news, and score — not investment advice. As of 2026-10-08.

Bull case
  • Horace Mann Educators Corporation operates in a stable insurance market, which is less susceptible to economic downturns compared to other sectors.
  • Revenue increased by 2% from the previous quarter, reaching $426 million.
  • The company has shown a strong earnings growth of 42.3%.
Bear case
  • The insurance industry is highly competitive, which may pressure profit margins and market share.
  • The trailing P/E ratio is 10.63, indicating potential undervaluation but also reflecting market skepticism.
  • The current score is neutral, with a signal score of 1.00, suggesting mixed market sentiment.

Fundamentals

Market cap$1.86BEnterprise value$2.22BTrailing P/E10.72Forward P/E8.53
PEG1.16Price / book1.24Beta0.10Dividend yield3.14%
Revenue growth7.7%Earnings growth42.3%Gross margin39.5%Operating margin13.2%
Profit margin10.2%ROE12.4%ROA1.0%Debt / equity0.40
Current ratio2.87Free cash flow$222.65MAnalyst recommendationbuyMean target$56.50
52w high$55.5652w low$41.29

Quarterly

2026-Q22026-Q12025-Q42025-Q32025-Q22025-Q1
Revenue$426M$416M$419M$417M$392M—
Op margin——————
Net income$41.6M$41.2M$36.2M$58.3M$29.4M—
Gross margin——————
Gross profit——————
Operating income——————
  • Revenue +2% vs prior quarter ($426M vs $416M).

Yearly (6y)

20252024202320222021
Revenue$1.6B$1.6B$1.4B$1.3B—
Op margin—————
Net income$162M$103M$45.0M$19.8M—
Gross margin—————
Gross profit—————
Operating income—————
Headline scan

No flags

• No distress or material-risk keywords in recent headlines (keyword scan only — not a guarantee).

News

HMN · daily-2.8% over 13 sessions
Close EMA21 EMA50 EMA200
44.0745.2146.3647.5048.642026-092026-092026-092026-092026-102026-102026-10
Quarterly · revenue, net income, margins
Revenue Net income Gross margin Op margin
$0M$107M$213M$320M$426M0%5%10%2025-Q22025-Q32025-Q42026-Q12026-Q2