Price
$52.22-1.08%Social Signal Score
Analyst Ratings
9 analystsRevenue
$443.50M+52.31%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Marita Zuraitis
- Sector
- Financial Services
- Industry
- Insurance - Property & Casualty
- Employees
- 1,800
- Beta
- 0.09
- Country
- US
- Piotroski score
- 7 / 9 (Strong)
- Altman Z-score
- 0.84
Financials
Revenue
$443.50M+52.3%Net Income
$41.60M+54.5%EBITDA
$65.30M+71.9%Free Cash Flow
$223.70M+355.9%EPS (diluted)
$1.01+55.4%Shares Outstanding (diluted)
41.20M-0.4%Cash & Debt
$5.81BReturn of Capital
$14.60MRevenue by Segment (annual)
$961.20MDividend per Share
$0.36Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $1.62B | $162.10M | $3.93 |
| 2024 | $1.55B | $102.80M | $2.49 |
| 2023 | $1.43B | $45.00M | $1.09 |
| 2022 | $1.34B | $19.80M | $0.48 |
| 2021 | $1.25B | $170.40M | $3.45 |
| 2020 | $1.29B | $133.30M | $3.22 |
| 2019 | $1.40B | $184.40M | $4.47 |
| 2018 | $1.18B | $18.34M | $0.45 |
| 2017 | $1.17B | $169.46M | $4.16 |
| 2016 | $1.13B | $83.77M | $2.08 |
| 2015 | $1.08B | $93.48M | $2.30 |
| 2014 | $1.06B | $104.24M | $2.55 |
| 2013 | $1.03B | $110.89M | $2.74 |
| 2012 | $1.01B | $103.87M | $2.64 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from HMN's reported EPS growth of 3.1% a year over 13 years.
- EPS in 5 years
- $4.54
- Implied price
- $54.52
- Return from $45.26
- 3.8% a year
To earn 15.0% a year on these assumptions you'd need to buy at $27.11 — -40.1% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 8 | 10 | 12 | 14 | 16 |
|---|---|---|---|---|---|
| -6.9% | -13.6% | -9.6% | -6.3% | -3.3% | -0.7% |
| -1.9% | -8.9% | -4.8% | -1.2% | 1.9% | 4.6% |
| 3.1% | -4.3% | 0.1% | 3.8% | 7.0% | 9.9% |
| 8.1% | 0.3% | 4.9% | 8.8% | 12.2% | 15.3% |
| 13.1% | 5.0% | 9.8% | 13.9% | 17.4% | 20.6% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
70+40.00%Social Signal Score
Mentions (14)
- Newszacks.com·1d ago·Positive
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Horace Mann (HMN) have what it takes?
View source ↗ - Newszacks.com·13d ago·Positive
Best Value Stocks to Buy for September 23rd LCUT, MAX and HMN made it to the Zacks Rank #1 (Strong Buy) value stocks list on September 23rd, 2026.
View source ↗ - Newszacks.com·18d ago·Positive
New Strong Buy Stocks for September 18th PGY, OPHC, PDEX, TRV and HMN have been added to the Zacks Rank #1 (Strong Buy) List on September 18th, 2026.
View source ↗ - Newszacks.com·18d ago·Positive
Best Income Stocks to Buy for September 18th IPOOF, HMN, TRV made it to the Zacks Rank #1 (Strong Buy) income stocks list on September 18th, 2026.
View source ↗ - Newszacks.com·19d ago·Positive
Why Horace Mann (HMN) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Horace Mann (HMN) have what it takes?
View source ↗ - Newszacks.com·34d ago·Positive
Best Value Stocks to Buy for September 2nd LCUT, SLDE and HMN made it to the Zacks Rank #1 (Strong Buy) value stocks list on September 2, 2026.
View source ↗ - Newsbusinesswire.com·35d ago·Neutral
Horace Mann Declares Quarterly Dividend SPRINGFIELD, Ill.--(BUSINESS WIRE)--Horace Mann Educators Corporation (NYSE:HMN) today announced that the Board of Directors declared a regular quarterly cash dividend of $0.36 per share payable on September 30, 2026, to shareholders of record as of September 16, 2026.About Horace MannHorace Mann Educators Corporation is the largest multiline financial services company focused on helping America's educators and others who serve the community achieve lifelo…
View source ↗ - Newszacks.com·35d ago·Positive
Horace Mann (HMN) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Horace Mann (HMN) have what it takes?
View source ↗ - Newszacks.com·40d ago·Positive
New Strong Buy Stocks for August 27th NVST, VIRT, ONTO, HMN and PROV have been added to the Zacks Rank #1 (Strong Buy) List on August 27th, 2026.
View source ↗ - Newszacks.com·40d ago·Positive
Best Value Stocks to Buy for August 27th MCY, LEG and HMN made it to the Zacks Rank #1 (Strong Buy) value stocks list on August 27th, 2026.
View source ↗ - Newsseekingalpha.com·49d ago·Neutral
Horace Mann Educators: Raised Guidance Implies Further Upside Horace Mann Educators delivered record Q2 2026 core earnings, beating expectations by over 60% and raising FY 2026 EPS guidance. Recent acquisitions expand HMN's client base beyond educators, expected to add 100 basis points to ROE and be immediately accretive. Book value per share rose 11.4% year-over-year; forward PE remains below 11, supporting the Buy rating and attractive valuation.
View source ↗ - Newszacks.com·52d ago·Positive
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Horace Mann (HMN) have what it takes?
View source ↗ - Newszacks.com·55d ago·Positive
All You Need to Know About Horace Mann (HMN) Rating Upgrade to Strong Buy Horace Mann (HMN) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy).
View source ↗ - Newsmarketbeat.com·59d ago·Neutral
Horace Mann Educators Q2 Earnings Call Highlights Horace Mann Educators NYSE: HMN raised its full-year 2026 core earnings guidance after reporting record second-quarter core earnings of $1.17 per share, up more than 10% from the prior-year period.
View source ↗
Earnings
Tue, Nov 3(in 4 weeks)
Consensus estimate $1.08 per share
Typical surprise +30.8% (median, so one quarter with a near-zero estimate can't distort it)
- Wed, Aug 5$1.17 vs $0.79beat
- Wed, May 6$1.28 vs $1.10beat
- Tue, Feb 3$1.21 vs $1.18beat
- Tue, Nov 4$1.36 vs $1.04beat
- Wed, Aug 6$1.06 vs $0.61beat
- Tue, May 6$1.07 vs $0.88beat
Estimates and results for HMN via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by HMN officers and directors.
- Bought
- $157k
- Sold
- $6.2m
2 trades
34 trades
- Carley Donald Msold
- Hines Perry G.sold
- Zuraitis Maritasold
- Reece Henry Wadesold
- Bradley Thomas Asold
- Zuraitis Maritasold
- Zuraitis Maritasold
- Zuraitis Maritasold
64 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
- Gilbert Cisneroshouse · CA31 · disclosed Sep 11, 2026 (22d later)Buy$1,001 - $15,000
- Gilbert Ray Cisneroshouse · CA31 · disclosed Sep 7, 2026 (59d later)Buy$1,001 - $15,000
- Gilbert Ray Cisneroshouse · CA31 · disclosed Feb 13, 2026 (39d later)Sell$1,001 - $15,000
- Lisa C. McClainhouse · MI09 · disclosed Aug 13, 2025 (63d later)Sell$1,001 - $15,000
- Lisa C. McClainhouse · MI09 · disclosed Aug 13, 2025 (65d later)Buy$1,001 - $15,000
- Josh S. Gottheimerhouse · NJ05 · disclosed May 14, 2025 (35d later)Sell$1,001 - $15,000
- Josh S. Gottheimerhouse · NJ05 · disclosed Aug 21, 2023 (38d later)Buy$1,001 - $15,000
- Josh S. Gottheimerhouse · NJ05 · disclosed Jul 11, 2023 (28d later)Sell$1,001 - $15,000
- Josh S. Gottheimerhouse · NJ05 · disclosed Nov 5, 2020 (20d later)Buy$1,001 - $15,000
- Josh S. Gottheimerhouse · NJ05 · disclosed Oct 13, 2020 (28d later)Sell$1,001 - $15,000
- Gilbert Ray Cisneroshouse · CA31 · disclosed Sep 14, 2020 (12d later)Buy$1,001 - $15,000
- Gilbert Ray Cisneroshouse · CA31 · disclosed Jun 16, 2020 (28d later)Buy$1,001 - $15,000
- Gilbert Ray Cisneroshouse · CA31 · disclosed Apr 16, 2020 (37d later)Buy$1,001 - $15,000
- Josh S. Gottheimerhouse · NJ05 · disclosed Mar 16, 2020 (27d later)Buy$1,001 - $15,000
- Josh S. Gottheimerhouse · NJ05 · disclosed Mar 16, 2020 (31d later)Buy$1,001 - $15,000
- Gilbert Ray Cisneroshouse · CA31 · disclosed Mar 10, 2020 (18d later)Buy$1,001 - $15,000
- Gilbert Ray Cisneroshouse · CA31 · disclosed Mar 10, 2020 (15d later)Buy$1,001 - $15,000
Self-reported filings, amounts as brackets. Via Senate/House disclosures.