HMN
NEUTRAL
$45.8
Live
Horace Mann Educators Corporation · NYSE
Target $51.5
(+12.4%)
$40.04
52W Range
$48.33
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 28, 2026
Market cap
$1.85B
P/E
11.74
ROE
11.7%
Profit margin
9.5%
Debt/Equity
1.1
Dividend yield
3.14%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
HMN presents as a classic value play with a stable Piotroski F-Score of 4/9 and a current price ($45.80) trading significantly below its Graham Number of $56.57. While valuation metrics like the P/E (11.74) and Forward P/E (9.11) are attractive, the company is struggling with negative YoY earnings growth (-5.4%) and a bearish technical trend. Strong dividend sustainability (35.9% payout) and a consistent history of earnings beats provide a fundamental floor, but aggressive insider selling suggests a lack of confidence in near-term catalysts.
Key Strengths
Trading below Graham Number ($56.57)
Attractive Forward P/E of 9.11
Sustainable dividend with a low payout ratio (35.9%)
Strong track record of beating quarterly earnings estimates
Positive revenue growth (6.3% YoY)
Key Risks
Negative YoY earnings growth (-5.4%) and EPS decline (-25.3%)
Bearish insider sentiment with 7 sells and 0 buys
Very low Quick Ratio (0.12) indicating potential liquidity tightness
Bearish technical trend (0/100)
Low Return on Assets (1.00%)
AI Fair Value Estimate
Based on comprehensive analysis
$44.0
-3.9% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
66
Strong
85
40
75
50
80
AI Verdict
Stable Value Trap Risk
Key drivers: Low valuation multiples, Negative earnings growth, Bearish insider activity
Confidence
80%
Value
85/100
Ref P/E, PEG, Graham Number
Positives
- P/E below sector average
- Price below Graham Number
- Low Price/Book (1.26)
Watchpoints
- Price exceeds growth-based intrinsic value ($27.3)
Future
40/100
Ref Growth rates
Positives
- Steady revenue growth
Watchpoints
- Negative YoY earnings growth
- Declining EPS trends
Past
75/100
Ref Historical trends
Positives
- High frequency of earnings beats (3/4 last 4)
- Positive 5Y price change (+37.3%)
Watchpoints
- Recent quarterly EPS contraction
Health
50/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Current Ratio 1.67
- Piotroski score in 'Stable' range
Watchpoints
- Piotroski F-Score 4/9
- Quick Ratio 0.12
Dividend
80/100
Ref Yield, Payout
Positives
- Healthy 3.14% yield
- Conservative payout ratio
Watchpoints
No urgent risks highlighted.
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$45.8
Analyst Target
$51.5
Upside/Downside
+12.4%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for HMN and closest competitors.
Updated 2026-04-27
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
HMN
Horace Mann Educators Corporation
Primary
|
+37.3% | +63.5% | +13.5% | +4.8% | +8.3% | +1.4% |
|
CLBK
Columbia Financial, Inc.
Peer
|
+1.0% | -3.4% | +35.5% | +19.9% | -0.3% | +1.7% |
|
QFIN
Qfin Holdings, Inc.
Peer
|
-31.6% | -12.4% | -58.1% | -44.0% | +7.0% | +4.0% |
|
AGM
Federal Agricultural Mortgage Corporation
Peer
|
+153.5% | +48.7% | -9.9% | -0.9% | -3.9% | -0.9% |
|
GCMG
GCM Grosvenor Inc.
Peer
|
+1.0% | +45.6% | -19.0% | -13.6% | -15.2% | +0.9% |
HMN
Horace Mann Educators Corporation
Primary
5Y
+37.3%
3Y
+63.5%
1Y
+13.5%
6M
+4.8%
1M
+8.3%
1W
+1.4%
CLB
Columbia Financial, Inc.
Peer
5Y
+1.0%
3Y
-3.4%
1Y
+35.5%
6M
+19.9%
1M
-0.3%
1W
+1.7%
QFI
Qfin Holdings, Inc.
Peer
5Y
-31.6%
3Y
-12.4%
1Y
-58.1%
6M
-44.0%
1M
+7.0%
1W
+4.0%
AGM
Federal Agricultural Mortgage Corporation
Peer
5Y
+153.5%
3Y
+48.7%
1Y
-9.9%
6M
-0.9%
1M
-3.9%
1W
-0.9%
GCM
GCM Grosvenor Inc.
Peer
5Y
+1.0%
3Y
+45.6%
1Y
-19.0%
6M
-13.6%
1M
-15.2%
1W
+0.9%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
11.74
Forward P/E
9.11
PEG Ratio
1.16
P/B Ratio
1.26
P/S Ratio
1.09
EV/Revenue
1.91
EV/EBITDA
12.27
Market Cap
$1.85B
Profitability
Profit margins and return metrics
Profit Margin
9.53%
Operating Margin
12.81%
Gross Margin
38.12%
ROE
11.7%
ROA
1.0%
Growth
Revenue and earnings growth rates
Revenue Growth
+6.3%
Earnings Growth
-5.4%
Q/Q Revenue Growth
+6.64%
Q/Q Earnings Growth
-5.2%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
1.1
Moderate
Current Ratio
1.67
Good
Quick Ratio
0.12
Poor
Cash/Share
$5.85
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.4B
Net Margin
8.6%
Total Assets
$15.3B
Liabilities
$13.8B
Equity
$1.5B
Debt/Equity
9.30x
Operating CF
$0.1B
Free Cash Flow
$0.1B
FCF Yield
100%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-06
$N/A
2026-02-03
$1.21
+2.8% surprise
2025-11-04
$1.36
+22.2% surprise
2025-08-06
$1.06
+78.2% surprise
Financial Services Sector Comparison
Comparing HMN against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
11.74
This Stock
vs
36.01
Sector Avg
-67.4%
(Discount)
Return on Equity (ROE)
11.7%
This Stock
vs
-0.73%
Sector Avg
-1697.1%
(Below Avg)
Profit Margin
9.53%
This Stock
vs
91.62%
Sector Avg
-89.6%
(Weaker)
Debt to Equity
1.1
This Stock
vs
1.36
Sector Avg
-18.9%
(Lower)
Revenue Growth
6.3%
This Stock
vs
35.27%
Sector Avg
-82.1%
(Slower)
Current Ratio
1.67
This Stock
vs
3.18
Sector Avg
-47.4%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
HMN
Horace Mann Educators Corporation
|
NEUTRAL | $1.85B | 11.74 | 11.7% | 9.5% | $45.8 | |
|
CLBK
Columbia Financial, Inc.
|
NEUTRAL | $1.86B | 34.92 | 4.6% | 20.8% | $17.81 | Compare |
|
QFIN
Qfin Holdings, Inc.
|
BULLISH | $1.86B | 2.19 | 24.7% | 31.2% | $14.13 | Compare |
|
AGM
Federal Agricultural...
|
NEUTRAL | $1.87B | 10.02 | 13.7% | 57.2% | $171.22 | Compare |
|
GCMG
GCM Grosvenor Inc.
|
NEUTRAL | $1.83B | 23.31 | 765.9% | 8.2% | $9.79 | Compare |
HMN
Horace Mann...
NEUTRAL
Mkt Cap
$1.8B
P/E
11.7
ROE
11.7%
Price
$45.8
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-04-01 | MCCLURE BEVERLEY J | Director | Sale | 1,081 | $45,986 |
| 2026-03-26 | CHAUBY STEVEN R | Officer | Purchase | 180 | $7,632 |
| 2026-03-04 | DESROCHERS MARK R. | Officer | Stock Award | 3,825 | - |
| 2026-03-04 | ZURAITIS MARITA | Chief Executive Officer | Stock Award | 85,012 | - |
| 2026-03-04 | CARLEY DONALD M | General Counsel | Stock Award | 8,440 | - |
| 2026-03-04 | SANDERS DERIK TYSON | Officer | Stock Award | 4,208 | - |
| 2026-03-04 | FULKS STEPHANIE A | Officer | Stock Award | 5,260 | - |
| 2026-03-04 | GREENIER RYAN E. | Chief Financial Officer | Stock Award | 6,213 | - |
| 2026-03-04 | TEMCHUK MAUREEN AMANDA | Officer | Stock Award | 1,149 | - |
| 2026-03-04 | CHAUBY STEVEN R | Officer | Stock Award | 4,440 | - |
| 2026-03-04 | JACKSON VANESSA A | Officer | Stock Award | 2,868 | - |
| 2026-03-04 | MCGINNIS JENNIFER L | Officer | Stock Award | 1,722 | - |
| 2026-02-25 | FETTER VICTOR | Director | Purchase | 3,500 | $149,540 |
| 2026-01-02 | ZURAITIS MARITA | Chief Executive Officer | Sale | 5,000 | $225,760 |
| 2026-01-02 | MCCLURE BEVERLEY J | Director | Sale | 1,081 | $48,837 |
MCCLURE BEVERLEY J
Director
2026-04-01
1,081 shares
·
$45,986
CHAUBY STEVEN R
Officer
2026-03-26
180 shares
·
$7,632
DESROCHERS MARK R.
Officer
2026-03-04
3,825 shares
ZURAITIS MARITA
Chief Executive Officer
2026-03-04
85,012 shares
CARLEY DONALD M
General Counsel
2026-03-04
8,440 shares
SANDERS DERIK TYSON
Officer
2026-03-04
4,208 shares
FULKS STEPHANIE A
Officer
2026-03-04
5,260 shares
GREENIER RYAN E.
Chief Financial Officer
2026-03-04
6,213 shares
TEMCHUK MAUREEN AMANDA
Officer
2026-03-04
1,149 shares
CHAUBY STEVEN R
Officer
2026-03-04
4,440 shares
JACKSON VANESSA A
Officer
2026-03-04
2,868 shares
MCGINNIS JENNIFER L
Officer
2026-03-04
1,722 shares
FETTER VICTOR
Director
2026-02-25
3,500 shares
·
$149,540
ZURAITIS MARITA
Chief Executive Officer
2026-01-02
5,000 shares
·
$225,760
MCCLURE BEVERLEY J
Director
2026-01-02
1,081 shares
·
$48,837
Insider transactions can signal confidence or concerns about company prospects
Past News Coverage
Recent headlines mentioning HMN from our newsroom.
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