Horace Mann Educators Corporation (HMN) Stock Price

HMNStock

$46.33+6.36%52W

Market Cap$1.88B

P/E11.58x

PEG Ratio1.16

Div yield3.95%

Beta0.11

HMN Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)-5.46%

Price vs S&P 500 (4W)-2.55%

PEG Ratio1.16

VGM Score47.13

P/E Ratio (Annual)11.58x

Indicated Dividend Yield (Annual)3.95%

P/CF (Annual)3.39x

Book Value / Share (Quarterly)$37.11

P/TBV (Annual)1.40x

Indicated Dividend (Annual)$1.44

Revenue Growth (3Y)7.06%

Cash Flow / Share (Quarterly)$13.98

Payout Ratio (TTM)32.49%

Price vs S&P 500 (YTD)-11.60%

Net Profit Margin (TTM)10.12%

EPS (TTM)$4.28

10-Day Avg Trading Volume0.27M

EPS Excl Extra (TTM)$4.28

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)10.58x

Revenue Growth QoQ (YoY)6.84%

EPS Growth (5Y)4.19%

P/E Normalized (Annual)11.58x

ROA (Last FY)1.06%

Revenue Growth TTM (YoY)6.33%

EBITD / Share (TTM)$6.53

ROE (5Y Avg)6.08%

Operating Margin (TTM)14.63%

Cash Flow / Share (Annual)$13.61

P/B Ratio1.25x

P/B Ratio (Quarterly)1.39x

Net Income / Employee (Annual)$90,100

EV / Revenue (TTM)1.39x

Net Interest Coverage (TTM)6.23x

ROA (TTM)1.16%

EPS Growth QoQ (YoY)42.88%

EV / EBITDA (TTM)8.97x

EPS Incl Extra (Annual)$3.90

3-Month Avg Trading Volume0.29M

52-Week Price Return6.36%

EV / Free Cash Flow (Annual)4.39x

P/E Incl Extra (TTM)10.58x

Revenue / Employee (TTM)$973,000

Tangible BV / Share (Quarterly)$33.80

P/S Ratio (Annual)1.10x

Asset Turnover (Annual)0.11x

52-Week High$55.56

Operating Margin (5Y Avg)8.70%

EPS Excl Extra (Annual)$3.90

Tangible BV CAGR (5Y)-3.85%

26-Week Price Return4.44%

13-Week Price Return-11.94%

Total Debt / Equity (Annual)0.40x

Enterprise Value$2.43B

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 Dev20.07%

Net Income / Employee (TTM)$98,500

EBITDA CAGR (5Y)6.07%

EBITDA Interim CAGR (5Y)-0.75%

ROE (Last FY)10.93%

Net Interest Coverage (Annual)6.44x

EPS Basic Excl Extra (Annual)$3.90

P/FCF (TTM)3.31x

EV / Free Cash Flow (TTM)4.29x

Total Debt / Equity (Quarterly)0.40x

EPS Incl Extra (TTM)$4.28

ROI (TTM)8.32%

Dividend Growth Rate (5Y)2.98%

P/S Ratio (TTM)1.07x

Pretax Margin (5Y Avg)7.13%

Revenue / Share (Annual)$41.11

Tangible BV / Share (Annual)$32.99

Forward P/E9.06x

Free OCF CAGR (5Y)16.32%

Price vs S&P 500 (52W)-9.17%

P/E Ratio (TTM)10.58x

EPS Growth TTM (YoY)26.89%

Year-to-Date Return0.32%

5-Day Price Return1.58%

EPS Normalized (Annual)$3.90

ROA (5Y Avg)0.61%

Net Profit Margin (Annual)9.48%

Month-to-Date Return3.88%

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)3.31x

ROI (5Y Avg)4.41%

P/E Excl Extra (TTM)10.58x

LT Debt / Equity (Quarterly)0.40x

EPS Basic Excl Extra (TTM)$4.28

P/TBV (Quarterly)1.52x

Payout Ratio (Annual)35.23%

P/B Ratio (Annual)1.27x

Dividend / Share (TTM)$1.42

Pretax Margin (TTM)12.36%

Book Value / Share (Annual)$36.47

Price vs S&P 500 (13W)-14.62%

Net Margin Growth (5Y)-1.32%

Dividend Yield (TTM)3.07%

Beta0.11x

P/FCF (Annual)3.39x

Revenue / Share (TTM)$42.51

ROE (TTM)12.03%

52-Week Low$41.29

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HMN Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Aug 5, 2026	$0.73	$1.17	+60.27%(+$0.44)
Q1 2026	May 6, 2026	$1.10	$1.28	+16.36%(+$0.18)
Q4 2025	Feb 3, 2026	$1.18	$1.21	+2.76%(+$0.03)
Q3 2025	Nov 4, 2025	$1.11	$1.36	+22.25%(+$0.25)
Q2 2025	Aug 6, 2025	$0.59	$1.06	+78.15%(+$0.47)

HMN Analyst Recommendations

Jun 2026

Jul 2026

Aug 2026

Sep 2026

3.86

3.88

Industry Peers — Property & Casualty Insurance(74)

Symbol	Value Score	Growth Score	Momentum Score	P/B Ratio (Quarterly)	ROE (TTM)	Indicated Dividend Yield (Annual)	Operating Margin (TTM)	Price
HMNHorace Mann Educators Corporation	B	C	D	1.4x	12.0%	3.9%	14.6%	$46.33
BRK.BBERKSHIRE HATHAWAY Class B	F	C	B	1.4x	11.9%	—	13.9%	$532.02
BRK.ABerkshire Hathaway Inc.	F	C	B	1.4x	11.9%	—	13.9%	$798000.00
CBChubb Limited	D	C	B	1.8x	15.2%	1.5%	23.3%	$359.79
PGRProgressive Corporation	C	C	C	3.7x	35.4%	0.2%	16.6%	$218.49
TRVThe Travelers Companies, Inc.	D	C	A	2.1x	25.6%	2.3%	22.0%	$389.54
ALLThe Allstate Corporation	B	B	B	1.8x	43.1%	2.6%	24.2%	$247.88
AIGAmerican International Group, Inc.	C	D	C	1.0x	7.3%	2.2%	15.1%	$80.74
HIGThe Hartford Insurance Group, Inc.	C	C	C	1.9x	23.0%	2.4%	17.6%	$135.12
ACGLArch Capital Group Ltd	C	C	C	1.4x	19.5%	—	23.9%	$101.27
WRBW.R. Berkley Corporation	D	C	C	2.7x	19.7%	0.5%	17.4%	$75.42
CINFCincinnati Financial Corp	D	C	C	1.7x	20.9%	2.9%	16.6%	$171.25
MKLMarkel Group Inc.	C	C	D	1.3x	12.4%	—	18.6%	$1850.13
LLoews Corporation	D	C	C	1.2x	9.0%	0.4%	14.0%	$110.52
EGEverest Group, Ltd.	B	C	B	0.9x	12.4%	1.7%	14.3%	$389.10
RNRRenaissanceRe Holdings Ltd.	B	C	B	1.1x	22.7%	0.7%	42.0%	$351.06
CNACNA Financial Corporation	B	C	D	1.2x	11.0%	4.0%	11.2%	$47.90
AFGAmerican Financial Group, Inc.	D	D	B	2.4x	20.0%	2.5%	14.4%	$149.13
KNSLKinsale Capital Group, Inc.	F	B	C	3.7x	29.1%	0.2%	33.8%	$365.24
THGThe Hanover Insurance Group, Inc.	C	C	A	2.0x	21.2%	2.7%	14.6%	$232.97
AXSAxis Capital Holders Limited	B	B	D	1.2x	17.3%	3.2%	19.7%	$99.63
MCYMercury General Corp.	B	B	C	2.1x	37.2%	3.4%	18.8%	$102.80
RLIRLI Corp.	D	B	C	3.1x	24.4%	0.8%	28.5%	$61.07
SIGISelective Insurance Group	C	C	C	1.6x	13.9%	1.4%	11.9%	$89.16
WTMWhite Mountains Insurance Group Ltd.	C	B	C	1.0x	21.2%	0.0%	46.7%	$2160.31
PLMRPalomar Holdings, Inc. Common stock	F	A	B	3.4x	21.6%	1.5%	24.1%	$139.59
HGHamilton Insurance Group, Ltd. Class B Common Shares	B	B	B	1.2x	21.2%	0.0%	28.2%	$36.21
LMNDLemonade, Inc.	F	A	F	10.0x	-26.8%	—	-13.7%	$44.20
SLDESlide Insurance Holdings, Inc. Common Stock	B	A	A	1.9x	50.7%	1.3%	53.0%	$27.07
SPNTSiriusPoint Ltd.	C	B	C	1.2x	21.8%	—	22.0%	$25.12
SKWDSkyward Specialty Insurance Group, Inc. Common Stock	D	B	B	1.9x	16.8%	—	15.2%	$61.23
HCIHCI Group, Inc.	C	B	C	2.1x	30.8%	1.8%	48.8%	$198.55
PLGOPelagos Insurance Capital Limited	B	C	B	0.9x	17.3%	2.5%	19.5%	$25.36
KMPRKemper Corporation	B	F	C	0.7x	-19.3%	2.9%	-10.2%	$29.27
SAFTSafety Insurance Group Inc	D	D	A	1.3x	7.8%	4.7%	6.8%	$104.03
UFCSUnited Fire Group Inc.	C	B	A	1.4x	15.0%	3.0%	12.9%	$56.44
UVEUNIVERSAL INSURANCE HLDG, INC.	B	B	A	1.8x	38.8%	3.8%	17.9%	$47.12
ASICAtegrity Specialty Insurance Company Holdings	D	A	A	1.7x	17.1%	—	20.6%	$27.25
BOWBowhead Specialty Holdings Inc.	D	B	B	2.1x	13.7%	—	14.7%	$34.19
HRTGHERITAGE INSURANCE HOLDINGS INC	B	C	A	1.4x	42.4%	2.8%	34.5%	$35.77
HIPOHippo Holdings Inc.	D	A	B	1.6x	27.4%	—	24.6%	$35.28
EIGEmployers Holdings, Inc.	D	D	B	1.1x	0.8%	2.9%	1.1%	$51.21
ROOTRoot, Inc. Class A Common Stock	B	C	D	2.0x	15.1%	—	5.2%	$50.47
MHLAMaiden Holdings, Ltd.	C	C	F	0.6x	-30.2%	—	-83.3%	$8.93
DGICBDonegal Group Inc	C	D	C	1.1x	11.0%	4.7%	9.2%	$19.09
DGICADonegal Group Inc	C	D	C	1.1x	11.0%	4.7%	9.2%	$18.68
TIPTTiptree Inc. Common Stock	A	C	D	0.7x	68.6%	1.1%	7.7%	$16.46
AIIAmerican Integrity Insurance Group, Inc.	B	C	B	1.0x	25.9%	0.0%	36.2%	$27.50
ACICAmerican Coastal Insurance Corporation Common Stock	C	D	C	1.6x	30.4%	0.0%	40.3%	$11.10
GLREGreenlight Captial RE, LTD. Class A	B	C	D	0.8x	7.3%	—	5.0%	$14.82
AMSFAMERISAFE, Inc.	C	D	F	2.5x	18.4%	2.6%	14.5%	$25.25

About Horace Mann Educators Corporation

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.

HMN Next Earnings Report

Report dateNov 3, 2026

QuarterQ3 2026

Report timeAMC

EPS estimate$1.11

Revenue estimate$444.20M

Also reporting on Nov 3, 2026

Scheduled date with consensus estimates — both can change before the company reports.

Earnings calendar for November 2026

HMN Insider Transactions

SellOct 8, 2026
ZURAITIS MARITA
Chief Executive Officer
Shares: 550Value: $25,307
SellOct 6, 2026
ZURAITIS MARITA
Chief Executive Officer
Shares: 100Value: $4,600
SellSep 3, 2026
HINES PERRY GLENN
Director
Shares: 3,237Value: $169,036
SellSep 3, 2026
CARLEY DONALD M
General Counsel
Shares: 2,054Value: $107,385
SellSep 1, 2026
ZURAITIS MARITA
Chief Executive Officer
Shares: 7,500Value: $382,425

Open-market buys and sells filed with the SEC over the last 90 days. Grants, gifts and option exercises are excluded.

All insider transactions for October 2026

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Same SIC sector, outside this company's own industry.

Analyst Sentiment

3.9

Buy

Consensus rating

52-Week Range

Low$41.29

High$55.56