Horace Mann Educators Corporation
HMN
NYSE·Financial Services·Insurance - Property & Casualty·Mkt cap $2.1B
$51.50
▲ +1.58%
P/E
12.00
Mkt Cap
$2.1B
52-Wk Range
$41.29–$55.56
52-Week Range
$41.29 - $55.56
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 11.5% over the trailing year
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
Strong
+13.7% over 3m
Quality
Strong
Strong fundamentals
Dividend
Solid
2.76% yield
Smart-money signal
Who's buying HMN right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Nov 3, 2026
AUG 5, 2026
Reported EPS of $1.17 vs $0.79 consensus (+48.7% surprise). Revenue of $443.5M vs $321.7M expected (+37.9%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+48.7%
Revenue trend · last 8Q
—
+2%
+5%
+3%
+5%
+13%
+7%
+13%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$388.9M
$384.6M
$400.1M
$391.6M
$417.1M
$434.8M
$429.3M
$443.5M
Margins · last 8Q
Gross
0.0%
Operating
0.0%
Profit
9.4%
Wall Street consensus
1 analyst · 100% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
100%
Hold
0%
Sell
0%
Median Price Target
—
Latest: Raymond James · Aug 13, 2026
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.
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