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Horace Mann Educators Corporation (HMN)

Horace Mann Educators Corporation is a U.S.-based insurance holding company listed on the NYSE under the ticker HMN. The company operates through three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits. Its insurance offerings include private passenger auto, homeowners, renters, liability, and umbrella coverage, along with life insurance and retirement-oriented products such as fixed, fixed indexed, and variable annuities, defined contribution solutions, and several forms of term and whole life coverage. The Supplemental & Group Benefits segment provides employer-sponsored and worksite protection products, including accident, critical illness, disability, and term life coverage. Horace Mann also markets related financial protection and wellness solutions, such as student loan solutions, credit monitoring, and financial wellness workshops. The company distributes its products through agents, brokers, benefit specialists, and direct and digital channels. Founded in 1945, it is headquartered in Springfield, Illinois.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NYSE-HMN
$69.69
36.9% Upside
Undervalued
$52
2.1% Upside
Fair
Great
—
—
1.44
2.8%
August 5, 2026
12.4x
1.4x
1.2x
2.083 B
2.63 B
22.2%
99.4%
0.6
34.8%
286.9%
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Valuation • Fair Value

Horace Mann Educators Corporation (NYSE-HMN) Fair Value by Valuation Model

Compare the primary fair value estimate for Horace Mann Educators Corporation (NYSE-HMN) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$69.69

Estimated upside of 36.9% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$45.37

Classic Ben Graham valuation formula reference.

DDM Fair Value

$98.73

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$50.33

Comparable-company valuation reference.

Analyst Price Target

$52

Analysts imply upside of 2.1%.

How to read these valuation models

Use this section to compare the primary fair value estimate for Horace Mann Educators Corporation (NYSE-HMN) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Horace Mann Educators Corporation (NYSE-HMN)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

1.714 B

Current operating scale indicator.

Revenue Forecast

1.769 B

Forward revenue estimate.

EBITDA

267.7 M

Current operating profitability reference.

EBITDA Forecast

222.6 M

Forward operating profitability estimate.

How to read profitability and growth

This section helps investors review Horace Mann Educators Corporation (NYSE-HMN) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Horace Mann Educators Corporation (NYSE-HMN)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Great

Positive financial-health read.

Piotroski Score

7

Relatively strong quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

0.6

Lower score that deserves closer risk review.

FCF / Net Income

286.9%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Horace Mann Educators Corporation (NYSE-HMN). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Horace Mann Educators Corporation (NYSE-HMN)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

August 5, 2026

Days to Earnings

15

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

2.8%

Income yield reference.

Upcoming Dividend

1.44

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

34.8%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Horace Mann Educators Corporation (NYSE-HMN), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Horace Mann Educators Corporation (NYSE-HMN) Stock Forecast & Technical Outlook

Review Horace Mann Educators Corporation (NYSE-HMN) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for Horace Mann Educators Corporation (NYSE-HMN) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for Horace Mann Educators Corporation (NYSE-HMN) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Sell

The daily technical read for Horace Mann Educators Corporation (NYSE-HMN) is currently Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Horace Mann Educators Corporation (NYSE-HMN) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Horace Mann Educators Corporation (NYSE-HMN) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Horace Mann Educators Corporation (NYSE-HMN)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Buy

Based on the available recommendation mix, Horace Mann Educators Corporation (NYSE-HMN) has a Buy consensus, with 2 buy, 1 hold and 0 sell recommendations in the current data set.

Buy 2
Hold 1
Sell 0
FAQ • Fast Investor Answers

Horace Mann Educators Corporation (NYSE-HMN) Stock FAQ

Quick answers about Horace Mann Educators Corporation (NYSE-HMN) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$69.69
Estimated upside 36.9%
Valuation Rating
Undervalued
Estimated upside of 36.9%
Analyst Target
$52
Implied upside 2.1%
Financial Health
Great
Current financial-health read

The current fair value estimate for Horace Mann Educators Corporation (NYSE-HMN) is $69.69. This implies an estimated upside of 36.9% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 36.9% versus the current market price.

The available analyst price target for Horace Mann Educators Corporation (NYSE-HMN) is $52. The analyst target implies estimated upside of 2.1%.

The current financial health read for Horace Mann Educators Corporation (NYSE-HMN) is Great. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Horace Mann Educators Corporation (NYSE-HMN) is August 5, 2026.

Based on the current data, dividend yield is 2.8%, upcoming dividend amount is 1.44.

The current P/E ratio listed for Horace Mann Educators Corporation (NYSE-HMN) is 12.4x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Horace Mann Educators Corporation is 2.083 B.

The current enterprise value listed for Horace Mann Educators Corporation is 2.63 B. Enterprise value can provide a broader valuation view than market capitalization alone because it also considers net debt.

The ticker symbol for Horace Mann Educators Corporation is NYSE-HMN, and the stock is listed on NYSE.

Horace Mann Educators Corporation (NYSE-HMN) is listed on NYSE.

The current debt-to-total-capital ratio listed for Horace Mann Educators Corporation is 22.2%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Horace Mann Educators Corporation is 99.4%. Free float helps investors understand how much of the share base is available for public trading.

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