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: $50.80 to $51.82
• 50-Day Range: $50.28 to $54.16
• 52-Week Range: $41.29 to $55.56
• Volume: 273,560 shs
• Average Volume: 230,011 shs
• Market Capitalization: $2.06 billion
• P/E Ratio: 11.90
• Dividend Yield: 2.83%
• Price Target: $59.00
• Consensus Rating: Strong Buy

Horace Mann Educators Stock Analysis - MarketRank™

Horace Mann Educators scored higher than 74% of companies evaluated by MarketBeat, and ranked 362nd out of 842 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: 1.9 / 5
• Analyst Rating: Strong Buy

Upside Potential

Horace Mann Educators has a consensus price target of $59.00, representing about 15.8% upside from its current price of $50.93.

Amount of Analyst Coverage

Horace Mann Educators has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 9.83%

Earnings Growth

Earnings for Horace Mann Educators are expected to grow by 9.83% in the coming year, from $4.78 to $5.25 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Horace Mann Educators is 11.90, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 45.01.

Price to Earnings Ratio vs. Sector

The P/E ratio of Horace Mann Educators is 11.90, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 26.18.

Price to Book Value per Share Ratio

Horace Mann Educators has a P/B Ratio of 1.40. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

2.69% 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 4.02.

Change versus previous month

Short interest in Horace Mann Educators has recently increased by 11.14%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Horace Mann Educators pays a meaningful dividend of 2.83%, 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 33.64%. 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 27.43% next year. This indicates that Horace Mann Educators will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.8 / 5
• News Sentiment: 1.08

News Sentiment

Horace Mann Educators has a news sentiment score of 1.08. 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 higher news sentiment than the 0.95 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 10 news articles for Horace Mann Educators this week, compared to 3 articles on an average week.

MarketBeat Follows

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

Company Ownership

• Score: 1.6 / 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 $1,167,300.00 in company stock.

Percentage Held by Insiders

3.60% 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.

Company Calendar

• Record date for 6/30 Dividend: 6/15/2026
• Ex-Dividend for 6/30 Dividend: 6/15/2026
• Dividend Payable: 6/30/2026
• Last Earnings: 8/05/2026
• Today: 9/06/2026
• Record date for 9/30 Dividend: 9/16/2026
• Ex-Dividend for 9/30 Dividend: 9/16/2026
• Dividend Payable: 9/30/2026
• Next Earnings (Estimated): 11/03/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Insurance
• Sub-Industry: Multi-line Insurance
• Current Symbol: NYSE:HMN
• CIK: 850141
• Web: www.horacemann.com
• Phone: (217) 789-2500
• Fax: 217-535-7109
• Employees: 1,800
• Year Founded: 1945

Price Target and Rating

• Average Price Target for Horace Mann Educators: $59.00
• High Price Target: $59.00
• Low Price Target: $59.00
• Potential Upside/Downside: +15.8%
• Consensus Rating: Strong Buy
• Rating Score (0-4): 4.00
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $4.28
• Trailing P/E Ratio: 11.90
• Forward P/E Ratio: 10.65
• P/E Growth: N/A
• Net Income: $162.10 million
• Net Margins: 10.15%
• Pretax Margin: 12.39%
• Return on Equity: 14.08%
• Return on Assets: 1.35%

Debt

• Debt-to-Equity Ratio: 0.40
• Current Ratio: 0.08
• Quick Ratio: 0.08

Sales & Book Value

• Annual Sales: $1.70 billion
• Price / Sales: 1.21
• Cash Flow: $5.48 per share
• Price / Cash Flow: 9.30
• Book Value: $36.44 per share
• Price / Book: 1.40

Miscellaneous

• Outstanding Shares: 40,500,000
• Free Float: 39,043,000
• Market Cap: $2.06 billion
• Optionable: Optionable
• Beta: 0.08