HMN Share Price | Horace Mann Educators Corp. Stock Analysis & Recommendation

Q: How big is Horace Mann Educators Corp.?

Market Cap: As of Jun 18, Horace Mann Educators Corp. has a market capitalization of 2,761.82 million, classifying it as a Small Cap company.Recent Quarterly Performance: For the latest four quarters, the company reported net sales of 0.00 million and a net profit of 114.50 million.Balance Sheet Snapshot: As of Dec 24, the company's shareholder's funds amounted to 1,287.50 million, while total assets were reported at 12,171.50 million.

Q: What does Horace Mann Educators Corp. do?

Overview: Horace Mann Educators Corporation (HMEC) is an insurance holding company that operates in the insurance industry, specifically focusing on personal lines of property and casualty insurance, retirement annuities, and life insurance. It falls within the small-cap market segment.Financial Snapshot: Net Profit: 38 Million (Quarterly Results - Mar 2025) Market Cap: USD 2,761.82 Million (Small Cap)Key Metrics: P/E: 25.00 Dividend Yield: 2.04% Debt Equity: -999,999.00 Return on Equity: 8.53% Price to Book: 2.06Contact Details: Address: 1 HORACE MANN PLZ, SPRINGFIELD IL: 62715-0001 Tel: ['1 217 7892500', '1 217 7885144'] Fax: 1 217 7885798 Website: http://www.horacemann.com/

Q: Is Horace Mann Educators Corp. overvalued or undervalued?

As of 6 August 2025, the valuation grade for Horace Mann Educators Corp. has moved from expensive to fair. Based on the current metrics, the company appears fairly valued. Key valuation ratios include a P/E ratio of 25, a Price to Book Value of 2.15, and a PEG Ratio of 0.33, which suggests that the stock is reasonably priced relative to its growth potential.In comparison to its peers, Horace Mann's P/E ratio of 21.74 is higher than that of American Financial Group, which stands at 15.03, indicating a premium valuation, while its PEG ratio is more favorable than that of Selective Insurance Group at 0.34. Despite recent underperformance against the S&P 500 over the 1-week and 3-year periods, where it returned -2.61% and 28.20% respectively, the company has outperformed the index on a year-to-date and 1-year basis, with returns of 18.10% and 35.35%.

Q: Is Horace Mann Educators Corp. technically bullish or bearish?

As of 3 October 2025, the technical trend for Horace Mann Educators Corp. has changed from bullish to mildly bullish. The weekly MACD and KST indicators are bullish, while the monthly MACD is also bullish, indicating some strength. However, the monthly RSI is bearish, suggesting potential weakness. The Bollinger Bands are mildly bullish on both weekly and monthly time frames, and the daily moving averages are mildly bullish as well. Dow Theory shows a mixed stance with weekly being mildly bearish and monthly mildly bullish. In terms of performance, the stock has underperformed the S&P 500 over the past week and month, with returns of -1.40% and -4.30% compared to the S&P's 1.09% and 4.15%, respectively. However, it has outperformed the benchmark over the year with a return of 23.44% versus 17.82%. Overall, the current technical stance is mildly bullish, but with caution due to mixed signals.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

252.61 k

Shareholding (Sep 2025)

FII

5.48%

Held by 94 FIIs

DII

33.05%

Held by 68 DIIs

Promoter

0.00%

How big is Horace Mann Educators Corp.?

22-Jun-2025

As of Jun 18, Horace Mann Educators Corp. has a market capitalization of $2.76 billion and reported net sales of $0 million with a net profit of $114.5 million over the latest four quarters. The company's shareholder's funds are $1.29 billion, and total assets amount to $12.17 billion.

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What does Horace Mann Educators Corp. do?

22-Jun-2025

Horace Mann Educators Corporation is an insurance holding company specializing in personal property and casualty insurance, retirement annuities, and life insurance, with a market cap of approximately $2.76 billion. As of March 2025, it reported a net profit of $38 million and has a P/E ratio of 25.00.

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Who are in the management team of Horace Mann Educators Corp.?

22-Jun-2025

As of March 2022, the management team of Horace Mann Educators Corp. includes H. Wade Reece as Independent Chairman and Marita Zuraitis as President and CEO, along with several Independent Directors on the Board.

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Is Horace Mann Educators Corp. overvalued or undervalued?

20-Sep-2025

As of August 6, 2025, Horace Mann Educators Corp. is fairly valued with a P/E ratio of 25 and a PEG ratio of 0.33, despite having a higher P/E than American Financial Group and a more favorable PEG than Selective Insurance Group, while showing mixed performance against the S&P 500.

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Is Horace Mann Educators Corp. technically bullish or bearish?

07-Oct-2025

As of October 3, 2025, Horace Mann Educators Corp. shows a mildly bullish trend with mixed technical indicators, having underperformed the S&P 500 recently but outperformed it over the past year.

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Score

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Dashboard

With a growth in Net Sales of 1.3%, the company declared Very Positive results in Jun 25

The company has declared positive results for the last 3 consecutive quarters
OPERATING CASH FLOW(Y) Highest at USD 609.5 MM
NET PROFIT(HY) At USD 67.6 MM has Grown at 123.1%
ROCE(HY) Highest at 10.91%

With ROE of 8.53%, it has a expensive valuation with a 2.15 Price to Book Value

Mojo Parameters

Stock DNA

Industry

Insurance

Market cap

USD 1,742 Million (Small Cap)

P/E

25.00

Industry P/E

Dividend Yield

3.28%

Debt Equity

-999,999.00

Return on Equity

11.39%

Price to Book

1.21

Revenue and Profits:

Net Sales:

(Quarterly Results - Jun 2025)

Net Profit:

29 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

5.96%

6 Months

4.43%

1 Year

28.17%

2 Years

37.3%

3 Years

19.08%

4 Years

12.83%

5 Years

9.43%

Horace Mann Educators Corp. for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

5.07%

EBIT Growth (5y)

EBIT to Interest (avg)

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

19.99%

Dividend Payout Ratio

54.90%

Pledged Shares

Institutional Holding

100.00%

ROCE (avg)

ROE (avg)

6.23%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

2.15

EV to EBIT

EV to EBITDA

118.37

EV to Capital Employed

1.95

EV to Sales

1.95

PEG Ratio

0.33

Dividend Yield

1.94%

ROCE (Latest)

ROE (Latest)

8.53%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

Mildly Bullish

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Sep 2025

Shareholding Compare (%holding)

Majority shareholders

Domestic Funds

Held in 68 Schemes (61.39%)

Foreign Institutions

Held by 94 Foreign Institutions (5.48%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

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          "val1": "0.00",
          "val2": "0.00",
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        {
          "field": "Consolidate Net Profit",
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        "Dec'24",
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          "field": "Operating Profit Margin (Excl OI)",
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Quarterly Results Snapshot (Consolidated) - Jun'25 - QoQ

Jun'25

Mar'25

Change(%)

Net Sales

0.00

Operating Profit (PBDIT) excl Other Income

6.60

7.00

-5.71%

Interest

8.60

8.90

-3.37%

Exceptional Items

0.00

Consolidate Net Profit

29.40

38.20

-23.04%

Operating Profit Margin (Excl OI)

109.50%

135.40%

-2.59%

USD in Million.

Compare with Peers

Net Sales

QoQ Growth in quarter ended Jun 2025 is 0.00% vs 0.00% in Mar 2025

Consolidated Net Profit

QoQ Growth in quarter ended Jun 2025 is -23.04% vs 0.00% in Mar 2025

All Quarterly Results

Annual Results Snapshot (Consolidated) - Dec'24

Dec'24

Dec'23

Change(%)

Net Sales

0.00

Operating Profit (PBDIT) excl Other Income

26.40

26.20

0.76%

Interest

34.60

29.70

16.50%

Exceptional Items

0.00

Consolidate Net Profit

102.80

45.00

128.44%

Operating Profit Margin (Excl OI)

102.30%

55.60%

4.67%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in year ended Dec 2024 is 0.00% vs 0.00% in Dec 2023

Consolidated Net Profit

YoY Growth in year ended Dec 2024 is 128.44% vs 127.27% in Dec 2023

All Annual Results

Company CV

About Horace Mann Educators Corp.

Horace Mann Educators Corp.

Insurance

Horace Mann Educators Corporation (HMEC) is an insurance holding company. Through its subsidiaries, HMEC markets and underwrites personal lines of property and casualty (primarily personal lines automobile and homeowners) insurance, retirement annuities (primarily tax-qualified products) and life insurance in the United States. The Company's operating segments include Property and Casualty segment, comprising primarily personal lines automobile and homeowners products; Retirement segment, comprising primarily tax-qualified fixed and variable annuities; Life segment life insurance, and Corporate and Other. It markets and services its products through a sales force of full-time agents supported by its Customer Contact Center. These agents sell HMEC's products and limited additional third-party vendor products. As of December 31, 2016, its property and casualty subsidiaries and its life insurance subsidiary were licensed to write business in over 48 states and the District of Columbia.

Company Coordinates

Company Details

1 HORACE MANN PLZ , SPRINGFIELD IL : 62715-0001

Tel: 1 217 78925001 217 7885144

http://www.horacemann.com/

Registrar Details

Horace Mann Educators Corp.

1Day

52 Week

CASH

FII

DII

Promoter

How big is Horace Mann Educators Corp.?

Watch in Real-Time

What does Horace Mann Educators Corp. do?

Who are in the management team of Horace Mann Educators Corp.?

Is Horace Mann Educators Corp. overvalued or undervalued?

Is Horace Mann Educators Corp. technically bullish or bearish?

Compare Horace Mann Educators Corp. with Similar Stocks

MarketsMojo — Loved in India, Now Global

Dashboard

With a growth in Net Sales of 1.3%, the company declared Very Positive results in Jun 25

With ROE of 8.53%, it has a expensive valuation with a 2.15 Price to Book Value

Mojo Parameters

Stock DNA

Total Returns (Price + Dividend)

Risk Adjusted Returns v/s

News

Announcements

Corporate Actions

Quality key factors

Valuation key factors

Technicals key factors

Shareholding Snapshot : Sep 2025

Shareholding Compare (%holding)

Quarterly Results Snapshot (Consolidated) - Jun'25 - QoQ

Annual Results Snapshot (Consolidated) - Dec'24

About Horace Mann Educators Corp.

Company Coordinates