Horace Mann/$HMN
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
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 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
- Finance
- Primary listing
- NYSE
- Employees
- 1,800
- Headquarters
- Springfield, United States
- Website
- www.horacemann.com
Horace Mann Metrics
BasicAdvanced
$1.9B
10.82
$4.28
0.10
$1.43
3.11%
Price and volume
Market cap
$1.9B
Beta
0.1
52-week high
$55.56
52-week low
$41.29
Average daily volume
344K
Dividend rate
$1.43
Financial strength
Current ratio
2.872
Quick ratio
0.504
Long term debt to equity
0.395
Total debt to equity
0.395
Dividend payout ratio (TTM)
32.49%
Interest coverage (TTM)
6.69%
Profitability
EBITDA (TTM)
281.3
Gross margin (TTM)
39.49%
Net profit margin (TTM)
10.15%
Operating margin (TTM)
14.57%
Effective tax rate (TTM)
18.07%
Revenue per employee (TTM)
$970,000
Management effectiveness
Return on assets (TTM)
1.05%
Return on equity (TTM)
12.38%
Valuation
Price to earnings (TTM)
10.822
Price to revenue (TTM)
1.088
Price to book
1.25
Price to tangible book (TTM)
1.43
Price to free cash flow (TTM)
3.355
Free cash flow yield (TTM)
29.80%
Free cash flow per share (TTM)
13.807
Dividend yield (TTM)
3.09%
Forward dividend yield
3.11%
Growth
Revenue change (TTM)
5.88%
Earnings per share change (TTM)
26.67%
3-year revenue growth (CAGR)
7.66%
10-year revenue growth (CAGR)
4.76%
3-year earnings per share growth (CAGR)
312.40%
10-year earnings per share growth (CAGR)
8.45%
3-year dividend per share growth (CAGR)
2.99%
10-year dividend per share growth (CAGR)
3.26%
What the Analysts think about Horace Mann
Analyst ratings (Buy, Hold, Sell) for Horace Mann stock.
Analyst projections of the future price of Horace Mann stock.
Bulls say / Bears say
Horace Mann posted record second-quarter core earnings of $1.17 per share, while Property & Casualty core earnings rose 56% and the combined ratio improved to 89.6%. Management consequently raised 2026 core EPS guidance to $4.60–$4.90, giving the earnings recovery clear near-term support. (Stockhouse)
The Medical Mutual of Ohio transactions would add nearly $200 million of annual revenue, more than one million covered lives and over 1,000 agents and brokers. Management expects the deals to be immediately accretive and to add roughly $0.40–$0.50 to annual run-rate EPS from 2027. (StockTitan, The Motley Fool)
The educator-focused model is showing signs of durable customer loyalty while the company broadens its mix. Auto household retention remains near 84%, other customer retention is near or above 90%, and sales momentum is strongest in supplemental and group benefits. (The Motley Fool)
The strong P&C result benefited from favourable weather, lower catastrophe losses and $7 million of favourable prior-year reserve development. Management expects catastrophe losses to normalise in the second half, so the 89.6% combined ratio may not represent a sustainable run rate. (The Motley Fool)
Horace Mann lowered its 2026 net investment income outlook to $465 million–$475 million, even as it raised EPS guidance. Higher rates support core fixed-income yields, but weaker returns from private equity, infrastructure debt and property-related strategies could offset part of the underwriting improvement. (The Motley Fool)
The Medical Mutual transactions require about $240 million of capital and will be funded partly with borrowings under Horace Mann’s revolving credit facility. The RNIC and reinsurance transactions still need regulatory approval, while management has indicated a six-to-seven-year tangible-book-value payback period, leaving execution and financing risk. (StockTitan, AM Best)
Data summarised monthly by Lightyear AI. Last updated on 25 Sept 2026.
Horace Mann Financial Performance
Revenues and expenses
Horace Mann Earnings Performance
Company profitability
Upcoming events
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Funds containing Horace Mann
AllUSDEURGBP
Fund name | Fund size | $HMN weighting |
|---|---|---|
iShares Ageing Population$AGED | $953M | 0.17% |
iShares Ageing Population€AGED | $903M | 0.17% |
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.11% |
iShares S&P Small Cap 600£ISP6 | $3.2B | 0.11% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.07% |
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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