Horace Mann Educators (HMN) Stock Price, News & Analysis

Company Overview

Horace Mann Educators Corporation, based in Springfield, Illinois, specializes in insurance and retirement solutions tailored to educators and school employees across the United States. Founded in 1945, the company partners with public school districts to deliver property and casualty insurance products—including auto, home and liability coverage—through a network of dedicated local agents. Its targeted approach focuses on understanding the unique needs and schedules of teachers, administrators and other school staff, distinguishing its services within the broader insurance market.

In addition to property and casualty offerings, Horace Mann provides life and disability insurance, annuities and retirement plan products designed to help educators plan for financial security beyond their teaching careers. These product lines are supported by the company’s in-house underwriting and claims management capabilities, ensuring responsive service and tailored solutions. Educational seminars and online tools further reinforce its commitment to the professional development and well-being of its policyholders.

Operating primarily in the U.S., Horace Mann maintains relationships with thousands of school districts through a specialized sales force embedded in local communities. This localized distribution model enables the company to align product design and risk assessment with the regional requirements of public education institutions. Led by President and Chief Executive Officer Steven C. Kerber, Horace Mann continues to build on its long-standing mission to serve the financial needs of those shaping tomorrow’s leaders.

Key Stats

• Today's Range: $44.02 to $45.07
• 50-Day Range: $41.22 to $47.65
• 52-Week Range: $34.19 to $47.81
• Volume: 219,402 shs
• Average Volume: 233,137 shs
• Market Capitalization: $1.81 billion
• P/E Ratio: 13.14
• Dividend Yield: 3.15%
• Price Target: $46.75
• Consensus Rating: Moderate Buy

Horace Mann Educators Stock Analysis - MarketRank™

Horace Mann Educators scored higher than 78% of companies evaluated by MarketBeat, and ranked 427th out of 933 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.2 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Horace Mann Educators has received a consensus rating of Moderate Buy. The company's average rating score is 2.67, and is based on 2 buy ratings, 3 hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for Horace Mann Educators is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Horace Mann Educators has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 9.04%

Earnings Growth

Earnings for Horace Mann Educators are expected to grow by 9.04% in the coming year, from $3.87 to $4.22 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Horace Mann Educators is 13.14, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 283.50.

Price to Earnings Ratio vs. Sector

The P/E ratio of Horace Mann Educators is 13.14, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 245.94.

Price to Book Value per Share Ratio

Horace Mann Educators has a P/B Ratio of 1.41. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.47% of the float of Horace Mann Educators has been sold short.

Short Interest Ratio / Days to Cover

Horace Mann Educators has a short interest ratio ("days to cover") of 2.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Horace Mann Educators has recently decreased by 1.04%, indicating that investor sentiment is improving.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Horace Mann Educators pays a meaningful dividend of 3.15%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Horace Mann Educators has been increasing its dividend for 17 years.

Dividend Coverage

The dividend payout ratio of Horace Mann Educators is 41.42%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Horace Mann Educators will have a dividend payout ratio of 33.18% next year. This indicates that Horace Mann Educators will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.47% of the float of Horace Mann Educators has been sold short.

Short Interest Ratio / Days to Cover

Horace Mann Educators has a short interest ratio ("days to cover") of 2.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Horace Mann Educators has recently decreased by 1.04%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.4 / 5
• News Sentiment: 0.28

News Sentiment

Horace Mann Educators has a news sentiment score of 0.28. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.66 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 6 news articles for Horace Mann Educators this week, compared to 5 articles on an average week.

MarketBeat Follows

2 people have added Horace Mann Educators to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Horace Mann Educators insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $825,040.00 in company stock.

Percentage Held by Insiders

Only 4.00% of the stock of Horace Mann Educators is held by insiders.

Percentage Held by Institutions

99.28% of the stock of Horace Mann Educators is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

HMN Stock Analysis - Frequently Asked Questions

How have HMN shares performed this year?

Horace Mann Educators' stock was trading at $39.23 on January 1st, 2025. Since then, HMN stock has increased by 13.2% and is now trading at $44.4210.

How were Horace Mann Educators' earnings last quarter?

Horace Mann Educators Corporation (NYSE:HMN) released its quarterly earnings results on Wednesday, August, 6th. The insurance provider reported $1.06 earnings per share for the quarter, beating analysts' consensus estimates of $0.61 by $0.45. The company's revenue was up 6.1% compared to the same quarter last year.
Read the conference call transcript.

Is Horace Mann Educators doing a stock buyback?

Horace Mann Educators' Board of Directors initiated a stock buyback plan on Tuesday, May 13th 2025, which permits the company to repurchase $50,000,000 in shares, according to EventVestor. This means that the company could reacquire up to 3% of its shares through open market purchases. Shares buyback plans are usually a sign that the company's management believes its shares are undervalued.

Who are Horace Mann Educators' major shareholders?

Horace Mann Educators' top institutional shareholders include GAMMA Investing LLC (0.01%). Insiders that own company stock include Marita Zuraitis, Bret A Conklin, Matthew P Sharpe, Donald M Carley, Kimberly A Johnson, Victor Fetter, Beverley J Mcclure and Michael Weckenbrock.
View institutional ownership trends.

How do I buy shares of Horace Mann Educators?

Shares of HMN stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Horace Mann Educators own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Horace Mann Educators investors own include NVIDIA (NVDA), Broadcom (AVGO), Meta Platforms (META), Adobe (ADBE), Advanced Micro Devices (AMD), Arista Networks (ANET) and ServiceNow (NOW).

Company Calendar

• Last Earnings: 8/06/2025
• Record date for 9/30 Dividend: 9/16/2025
• Ex-Dividend for 9/30 Dividend: 9/16/2025
• Dividend Payable: 9/30/2025
• Today: 10/04/2025
• Next Earnings (Estimated): 11/03/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: INS - MULTI LINE
• Sub-Industry: Multi-line Insurance
• Current Symbol: NYSE:HMN
• CIK: 850141
• Web: www.horacemann.com
• Phone: (217) 789-2500
• Fax: 217-535-7109
• Employees: 1,750
• Year Founded: 1945

Price Target and Rating

• Average Price Target for Horace Mann Educators: $46.75
• High Price Target: $49.00
• Low Price Target: $45.00
• Potential Upside/Downside: +5.2%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.67
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.38
• Trailing P/E Ratio: 13.14
• Forward P/E Ratio: 11.48
• P/E Growth: N/A
• Net Income: $102.80 million
• Net Margins: 8.49%
• Pretax Margin: 10.61%
• Return on Equity: 14.23%
• Return on Assets: 1.29%

Debt

• Debt-to-Equity Ratio: 0.40
• Current Ratio: 0.09
• Quick Ratio: 0.09

Sales & Book Value

• Annual Sales: $1.60 billion
• Price / Sales: 1.13
• Cash Flow: $3.91 per share
• Price / Cash Flow: 11.37
• Book Value: $31.59 per share
• Price / Book: 1.41

Miscellaneous

• Outstanding Shares: 40,700,000
• Free Float: 39,068,000
• Market Cap: $1.81 billion
• Optionable: Optionable
• Beta: 0.21