Horace Mann Educators Corporation (HMN)

Price$46.97

Value ScoreC

Growth ScoreC

Momentum ScoreB

Favorite Metrics

Price vs S&P 500 (26W)-5.33%

Price vs S&P 500 (4W)5.54%

VGM Score56.59

Market Capitalization$1.90B

P/E Ratio (Annual)11.70x

Indicated Dividend Yield (Annual)3.16%

All Metrics

P/CF (Annual)3.43x

Book Value / Share (Quarterly)$36.40

P/TBV (Annual)1.40x

Indicated Dividend (Annual)$1.44

Revenue Growth (3Y)7.06%

Cash Flow / Share (Quarterly)$11.73

Payout Ratio (TTM)34.77%

Price vs S&P 500 (YTD)-6.45%

Net Profit Margin (TTM)9.58%

EPS (TTM)$3.98

10-Day Avg Trading Volume0.25M

EPS Excl Extra (TTM)$3.98

Revenue Growth (5Y)5.38%

EPS (Annual)$3.90

Dividend / Share (Annual)$1.40

ROI (Annual)7.81%

Net Profit Margin (5Y Avg)5.89%

Cash / Share (Quarterly)$0.84

P/E Basic Excl Extra (TTM)11.49x

Revenue Growth QoQ (YoY)3.11%

EPS Growth (5Y)4.19%

P/E Normalized (Annual)11.70x

ROA (Last FY)1.06%

Revenue Growth TTM (YoY)6.29%

EBITD / Share (TTM)$6.20

ROE (5Y Avg)6.08%

Operating Margin (TTM)14.11%

Cash Flow / Share (Annual)$13.61

P/B Ratio1.29x

P/B Ratio (Quarterly)1.17x

Net Income / Employee (Annual)$90,100

EV / Revenue (TTM)1.43x

Net Interest Coverage (TTM)6.23x

ROA (TTM)1.09%

EPS Growth QoQ (YoY)8.90%

EV / EBITDA (TTM)9.60x

EPS Incl Extra (Annual)$3.90

3-Month Avg Trading Volume0.24M

52-Week Price Return8.85%

EV / Free Cash Flow (Annual)4.47x

P/E Incl Extra (TTM)11.49x

Revenue / Employee (TTM)$957,200

Tangible BV / Share (Quarterly)$32.99

P/S Ratio (Annual)1.11x

Asset Turnover (Annual)0.11x

52-Week High$48.33

Operating Margin (5Y Avg)8.70%

EPS Excl Extra (Annual)$3.90

Tangible BV CAGR (5Y)-3.85%

26-Week Price Return2.60%

13-Week Price Return8.00%

Total Debt / Equity (Annual)0.40x

Enterprise Value$2.47B

Revenue / Share Growth (5Y)5.58%

Asset Turnover (TTM)0.11x

Book Value / Share Growth (5Y)-3.54%

Revenue / Employee (Annual)$950,000

Pretax Margin (Annual)11.77%

Cash / Share (Annual)$1.05

3-Month Return Std Dev18.83%

Net Income / Employee (TTM)$91,700

EBITDA CAGR (5Y)6.07%

EBITDA Interim CAGR (5Y)3.27%

ROE (Last FY)10.93%

Net Interest Coverage (Annual)6.20x

EPS Basic Excl Extra (Annual)$3.90

P/FCF (TTM)4.00x

EV / Free Cash Flow (TTM)5.22x

Total Debt / Equity (Quarterly)0.40x

EPS Incl Extra (TTM)$3.98

ROI (TTM)7.93%

Dividend Growth Rate (5Y)2.98%

P/S Ratio (TTM)1.10x

Pretax Margin (5Y Avg)7.13%

Revenue / Share (Annual)$41.11

Tangible BV / Share (Annual)$32.99

Forward P/E9.71x

Free OCF CAGR (5Y)16.32%

Price vs S&P 500 (52W)-15.51%

P/E Ratio (TTM)11.49x

EPS Growth TTM (YoY)44.21%

Year-to-Date Return1.71%

5-Day Price Return3.44%

EPS Normalized (Annual)$3.90

ROA (5Y Avg)0.61%

Net Profit Margin (Annual)9.48%

Month-to-Date Return2.71%

Cash Flow / Share (TTM)$0.32

EBITD / Share (Annual)$6.11

EPS Growth (3Y)-9.88%

Operating Margin (Annual)14.02%

LT Debt / Equity (Annual)0.40x

P/CF (TTM)4.00x

ROI (5Y Avg)4.41%

P/E Excl Extra (TTM)11.49x

LT Debt / Equity (Quarterly)0.40x

EPS Basic Excl Extra (TTM)$3.98

P/TBV (Quarterly)1.29x

Payout Ratio (Annual)35.23%

P/B Ratio (Annual)1.27x

Dividend / Share (TTM)$1.41

Pretax Margin (TTM)11.83%

Book Value / Share (Annual)$36.47

Price vs S&P 500 (13W)-0.25%

Net Margin Growth (5Y)-1.32%

Dividend Yield (TTM)3.03%

Beta0.13x

P/FCF (Annual)3.43x

Revenue / Share (TTM)$41.82

ROE (TTM)11.48%

52-Week Low$40.04

vGradeC

gGradeC

mGradeB

vgmGradeC

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Earnings Surprise History

Q1 261.28est. 1.10

Analyst Recommendations

Mar 2026

Apr 2026

May 2026

Jun 2026

3.75

3.86

Industry Peers — Property & Casualty Insurance(73)

Symbol	Value Score	Growth Score	Momentum Score	Price
HMNHorace Mann Educators Corporation	C	C	B	$46.97
BRK.ABerkshire Hathaway Inc.	F	C	C	$733550.00
BRK.BBERKSHIRE HATHAWAY Class B	F	C	C	$488.13
CBChubb Limited	D	B	B	$326.27
PGRProgressive Corporation	C	B	D	$204.02
TRVThe Travelers Companies, Inc.	C	B	B	$303.25
ALLThe Allstate Corporation	B	B	B	$221.01
AIGAmerican International Group, Inc.	C	D	D	$75.49
HIGThe Hartford Insurance Group, Inc.	C	B	C	$132.14
ACGLArch Capital Group Ltd	C	B	D	$91.19
ACGLNArch Capital Group Ltd. Depositary Shares, each Representing a 1/1,000th Interest in a 4.550% Non-Cumulative Preferred Share, Series G	C	B	D	$16.36

About

Horace Mann Educators Corp is an insurance holding company specializing in serving K-12 educators through a diversified portfolio of property and casualty, life, and retirement insurance products. The company operates through four segments—Property & Casualty, Life & Retirement, Supplemental & Group Benefits, and Corporate—offering auto insurance, homeowners insurance, tax-qualified annuities, and life insurance products tailored to the education sector.