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HMN

Horace Mann Educators Corporation (NYSE)

Financial Services — Insurance - Property & Casualty

Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. It operates through three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits segments. The Property & Casualty segment offers insurance products, including private passenger auto insurance, residential home insurance, and personal umbrella insurance; standard auto coverage including liability, collision, and comprehensive; property coverage for homeowners and renters. The Life & Retirement segment sells tax-qualified fixed, fixed indexed, and variable annuities; the Horace Mann Retirement Advantage open architecture platform and other defined contribution plans; traditional term, whole life insurance products, and indexed universal life (IUL) products. This segment also offers Life by Design, a portfolio of individual whole life and individual term insurance products that address the financial planning needs of educators; Life Select, a combination product that mixes a base of either traditional whole life, 20-pay life, or life paid-up at age 65 with a variety of term riders; single premium whole life products; and cash value term. The Supplemental & Group Benefits segment offers employer-sponsored products, including accident, critical illness, limited-benefit fixed indemnity insurance, term life, and short-term and long-term disability, as well as worksite direct products, such as supplemental heart, cancer, disability, and accident coverages. The company offers individual protection and savings solutions, including auto insurance, property insurance, liability insurance, 403(b) retirement plans, mutual funds, life insurance, student loan solutions, credit monitoring, and financial wellness workshops. It distributes its products and services through agents, brokers, benefit specialists, direct and digital channels. The company was founded in 1945 and is headquartered in Springfield, Illinois.

None 2 analysts
$52.62
+$0.97 (+1.88%)
Target: $52.00 (-1.2%)
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Price History

52-Week Range

Fundamentals

Market Cap$2.12B
P/E Ratio (TTM)13.22
Forward P/E10.37
EPS (TTM)$3.98
Dividend Yield2.74%
Profit Margin9.63%
Revenue Growth3.10%
ROE11.74%
Debt/Equity40.40
Recommendation None
Analyst Target$52.00
Analysts2
Indexes NYSE

Technical Indicators

RSI (14)81.2
Beta0.13
SMA 20-
SMA 40-
52-Week High$52.93
52-Week Low$40.04
50-Day Avg$47.07
200-Day Avg$45.07
Avg Volume243.2K
Volume148.0K

Performance Analysis

NEUTRAL

HMN presents a mixed picture with both positive and negative indicators.

- Trading near its 52-week high ($52.93), which may indicate limited upside.
- RSI at 81.2 indicates overbought conditions — a pullback may be due.
+ Price is above both the 50-day and 200-day moving averages — strong uptrend.
+ P/E of 13.2 suggests the stock may be undervalued.
~ Modest revenue growth of 3.1% year-over-year.
~ Wall Street consensus is "none" from 2 analysts.
- Average analyst target of $52.00 implies 1.2% downside.

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Last updated: Jul 02, 2026 13:13 UTC

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