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HMN

Horace Mann Educators Corporation

HMN

NYSE·Financial Services·Insurance - Property & Casualty·Mkt cap $2.1B

$53.85

▲ +2.34%

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Our plain-language verdict, the thesis, risk factors, and what is changing about the business.

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52-Week Range

$40.04 - $54.25

P/E

13.53

Fwd P/E

11.90

Beta

0.13

Div Yield

2.70%

Avg Vol

242.7K

Shares Out

40.4M

Mkt Cap

$2.1B

Price action

Price chart

Up 25.5% over the trailing year

1W
1M
3M
6M
YTD
1Y
5Y
MAX

Total returns

Price performance

Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.

Why we rate it this way

The thesis at a glance

Bull and bear case · plain-English context across the five lenses we evaluate.

▲

Bull Case

5 reasons

  • Exclusive focus on K-12 educator market creates strong brand loyalty and switching costs
  • Established distribution network of full-time exclusive agents with deep school system relationships
  • Specialized product expertise tailored to educator financial needs and compensation structures
  • Recurring revenue model from stable, professional demographic with predictable insurance demand
  • 75+ year heritage and trust within education community provides competitive moat
▼

Bear Case

1 risk

  • Low volatility (beta 0.1).

Growth

Revenue decline expected

Expansion of supplemental insurance products and higher attachment rates among existing customer base

Value

Fairly valued vs Property & Casualty Insurance peers

Momentum

Hot

+21.8% over 3m

Quality

Strong

Excellent business quality

Dividend

Solid

2.70% yield

Earnings track record

Latest print - beat on both lines

AI-summarized recap of last quarter, plus the surprise on every print.

Next: May 4, 2026

“
Q2 26 RECAP

MAY 6, 2026

Reported EPS of $1.28 vs $1.10 consensus (+16.4% surprise). Revenue of $429.3M vs $319.1M expected (+34.5%). Beat on both top and bottom lines.

EPS beat +16.4%
Rev beat +34.5%
Double beat

EPS surprise · last 4Q

1 of 1 beats

Q2 26

+16.4%

Next: May 4, 2026

Revenue trend · last 8Q

—

—

+2%

+5%

+3%

+5%

+13%

+7%

Q2 24

Q3 24

Q4 24

Q1 25

Q2 25

Q3 25

Q4 25

Q1 26

$370.3M

$388.9M

$384.6M

$400.1M

$391.6M

$417.1M

$434.8M

$429.3M

Margins · last 8Q

Gross

—

Operating

—

Profit

9.6%

View full earnings history →

Wall Street consensus

Analyst coverage

Live ratings and price targets aggregated across covering analysts.

No analyst coverage on file for this stock yet.

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vs Industry

How HMN stacks vs Insurance - Property & Casualty

Stock metrics vs industry averages. Green = better than industry.

Industry comparison data unavailable for this stock.