Horace Mann/$HMN
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About Horace Mann
Horace Mann Educators Corp is a diversified insurance holding company that markets and underwrites personal lines of property and casualty insurance, retirement annuities, and life insurance. The company's property and casualty operations focus on automobile and homeowner insurance, while the retirement annuities are 403(b) tax-qualified products. Horace Mann Educators markets its products to kindergarten through 12th-grade teachers, administrators, and other employees of public schools and their families. The Company conducts and manages its business in four reporting segments: (1) Property & Casualty, (2) Life & Retirement, (3) Supplemental & Group Benefits and (4) Corporate & Other.
Ticker
$HMN
Sector
Primary listing
NYSE
Employees
1,750
Headquarters
Website
Horace Mann Metrics
BasicAdvanced
$1.9B
14.07
$3.38
0.29
$1.38
2.94%
Price and volume
Market cap
$1.9B
Beta
0.29
52-week high
$47.72
52-week low
$33.05
Average daily volume
212K
Dividend rate
$1.38
Financial strength
Current ratio
2.996
Quick ratio
0.193
Long term debt to equity
40.248
Total debt to equity
40.248
Dividend payout ratio (TTM)
40.19%
Interest coverage (TTM)
6.04%
Profitability
EBITDA (TTM)
236.7
Gross margin (TTM)
35.76%
Net profit margin (TTM)
8.50%
Operating margin (TTM)
12.72%
Effective tax rate (TTM)
19.94%
Revenue per employee (TTM)
$940,000
Management effectiveness
Return on assets (TTM)
0.90%
Return on equity (TTM)
10.91%
Valuation
Price to earnings (TTM)
14.075
Price to revenue (TTM)
1.191
Price to book
1.43
Price to tangible book (TTM)
1.68
Price to free cash flow (TTM)
3.223
Free cash flow yield (TTM)
31.02%
Free cash flow per share (TTM)
14.758
Dividend yield (TTM)
2.90%
Forward dividend yield
2.94%
Growth
Revenue change (TTM)
6.01%
Earnings per share change (TTM)
71.62%
3-year revenue growth (CAGR)
6.81%
10-year revenue growth (CAGR)
4.39%
3-year earnings per share growth (CAGR)
24.89%
10-year earnings per share growth (CAGR)
3.06%
3-year dividend per share growth (CAGR)
3.08%
10-year dividend per share growth (CAGR)
3.70%
What the Analysts think about Horace Mann
Analyst ratings (Buy, Hold, Sell) for Horace Mann stock.
Bulls say / Bears say
Horace Mann beat expectations in Q2 2025 with core EPS of $1.06 versus a $0.59 forecast, driving a 2.78% stock price rise and prompting an upgrade of full-year core EPS guidance to $4.15–$4.45, underscoring strong operational momentum and investor confidence (Investing.com).
Moody’s affirmed Horace Mann’s Baa2 senior unsecured and A2 insurance financial strength ratings with a stable outlook, citing improved underwriting results and robust capitalization as key strengths supporting the company’s credit profile (Investing.com published March 26, 2025).
In May 2025, Horace Mann authorized a $50 million share repurchase program alongside a 34-year dividend streak and a current yield of 3.33%, reflecting the company’s strong capital generation and commitment to shareholder returns (Investing.com published May 13, 2025).
Net investment losses of $4.7 million in Q2 2025 highlight volatility in the company’s investment portfolio amid rising interest rates, which could pressure future core earnings if market conditions remain unfavorable (Business Wire via August 6, 2025).
Moody’s notes that Horace Mann’s substantial gross exposure to natural disasters leaves its Property & Casualty results vulnerable to volatile catastrophe costs, posing a risk to underwriting profitability during severe weather events (Investing.com published March 26, 2025).
The reinsurance agreement with Reinsurance Group of America on a large block of annuities concentrates counterparty credit risk, meaning a potential reinsurer default could materially impact Horace Mann’s financial condition (SEC Form 10-K filed February 17, 2025).
Data summarised monthly by Lightyear AI. Last updated on 30 Aug 2025.
Horace Mann Financial Performance
Revenues and expenses
Horace Mann Earnings Performance
Company profitability
Horace Mann News
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Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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Capital at risk
Upcoming events
Sept16
Horace Mann
DividendEx-dividend
Sept30
Horace Mann
DividendPayment
$0.35Per share
FAQs
What’s the current market cap for Horace Mann stock?
Horace Mann (HMN) has a market cap of $1.9B as of September 15, 2025.
What is the P/E ratio for Horace Mann stock?
The price to earnings (P/E) ratio for Horace Mann (HMN) stock is 14.07 as of September 15, 2025.
Does Horace Mann stock pay dividends?
Yes, the Horace Mann (HMN) stock pays dividends to shareholders. As of September 15, 2025, the dividend rate is $1.38 and the yield is 2.94%. Horace Mann has a payout ratio of 40.19% on a trailing twelve-month basis.
When is the next Horace Mann dividend payment date?
The next Horace Mann (HMN) dividend payment is scheduled for September 30, 2025.
What is the beta indicator for Horace Mann?
Horace Mann (HMN) has a beta rating of 0.29. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.