Horace Mann Educators Corporation (NYSE: HMN) Stock Analysis & Fundamentals

HMNHorace Mann Educators Corporation

NYSE · US · Financial Services · Insurance - Property & Casualty · horacemann.com

50.39USD0.00%Mkt Cap: 2.04B $P/E: 11.77Today

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 Supplement…

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Key Statistics

Company

Market Cap2.04B $

Enterprise Value2.41B $

Revenue (TTM)1.75B $

Gross Profit689.50M $

Net Income (TTM)162.10M $

Revenue/Share42.59 USD

Last Price50.39 USD

Fiscal Year EndDec 2025

MR QuarterJun 2026

Employees1.8K

CountryUS

SectorFinancial Services

IndustryInsurance - Property & Casualty

ISINGB00BK7YQK64

Valuation

P/E (Trailing)11.77

P/E (Forward)9.36

PEG1.16

EV/EBITDA8.55

EV/Revenue1.38

P/S1.17

P/B1.36

EPS (TTM)4.28

EPS (Forward)5.38

52W Range

41.2965% of range55.33

52W High55.33 USD

52W Low41.29 USD

Profitability

Gross Margin39.49%

Oper. Margin13.21%

EBITDA Margin16.11%

Profit Margin9.98%

ROE10.93%

ROA1.06%

Growth

Revenue Growth7.70%

Earnings Growth42.30%

Cash Flow & Leverage

Operating CF553.20M $

CapEx (TTM)—

FCF Margin12.75%

FCF Yield10.91%

Net Debt364.80M $

Net Debt/EBITDA1.30

Balance Sheet

Debt/Equity0.40

Current Ratio2.87

Quick Ratio0.22

Book Value/Sh37.11 USD

Cash/Share5.664 USD

Dividends

Fwd Div Rate1.440 USD

Trail. Div Rate1.420 USD

Div. Yield2.86%

5Y Avg Yield3.48%

Payout Ratio33.18%

Ex-Div DateJun 15, 2026

Pay DateJun 30, 2026

Splits

Last Split2:1

Split DateDec 16, 1997

Analyst Consensus

Rating1.7 (Buy)

Strong BuyBuyHoldSellStr. Sell

Target (Mean)56.50 USD

Upside (mean)+12.1%

Target Range54.00 USD – 59.00 USD

$54.00+12.1% to mean$59.00

# Analysts2

Ownership

Shares Out.40.50M

Float40.25M

Insiders1.59%

Institutions106.72%

Short Interest

Short Ratio3.8d

Short % Float3.20%

Short % Out.2.33%

Shares Short943.58K

Short (prev mo.)1.34M

Technical

SMA 5051.52 (-2.2%)

SMA 20046.34 (+8.7%)

Beta0.10

S&P 52W Chg18.16%

Avg Vol (30d)182.07K

Avg Vol (10d)271.96K

Technical Indicators

RSI (14)42.1

MACD0.0357

MACD Signal0.2887

MACD Hist.-0.2530

BB Upper53.48 USD

BB Middle52.01 USD

BB Lower50.55 USD

BB Width5.62%

ATR (14)1.416 USD

Vol Ratio (20d)0.93x