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

Company Overview

Horace Mann Educators Corporation (NYSE: HMN) is a specialty insurance and financial services company primarily focused on serving the unique needs of educators in the United States. Founded in 1945, the company offers a comprehensive suite of products, including auto, home and life insurance, as well as retirement annuities and supplemental health insurance. Through its principal subsidiary, Horace Mann Life Insurance Company, the firm delivers tailored risk management solutions designed to address the personal and professional exposures faced by teachers, administrators and school staff.

In addition to traditional insurance offerings, Horace Mann provides retirement planning products such as fixed and indexed annuities, 403(b) plans and IRAs, supporting educators along every stage of their career and into retirement. The company’s financial services division offers investment advisory services, college savings plans and individual retirement accounts, helping members build long-term financial security while navigating changes in education policy and funding models.

Headquartered in Springfield, Illinois, Horace Mann maintains a presence across all 50 states through a network of field representatives, call centers and digital channels. This geographic reach allows the company to stay close to its core constituency—public and private school faculty and staff—while aligning product development and customer service with regional market requirements. Over its history, Horace Mann has cultivated strong relationships with numerous school districts, teacher associations and educational foundations, reinforcing its position as a trusted partner in the education community.

The company’s leadership team is led by President and Chief Executive Officer James J. Keegan, who has steered strategic initiatives since 2018, focusing on digital transformation and product innovation. Under his direction, Horace Mann has invested in data analytics, streamlined underwriting processes and expanded its educational outreach programs. The board of directors and executive officers bring decades of experience in insurance, financial services and education, ensuring that the company remains responsive to evolving member needs and industry trends.

Key Stats

• Today's Range: $40.37 to $40.95
• 50-Day Range: $40.56 to $43.97
• 52-Week Range: $31.95 to $44.44
• Volume: 349,056 shs
• Average Volume: 250,181 shs
• Market Capitalization: $1.66 billion
• P/E Ratio: 14.72
• Dividend Yield: 3.45%
• Price Target: $46.33
• Consensus Rating: Moderate Buy

Horace Mann Educators Stock Analysis - MarketRank™

Horace Mann Educators scored higher than 86% of companies evaluated by MarketBeat, and ranked 212th out of 936 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: 2.3 / 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 2.50, and is based on no buy ratings, 3 hold ratings, and no sell ratings.

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 14.72, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.90.

Price to Earnings Ratio vs. Sector

The P/E ratio of Horace Mann Educators is 14.72, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.04.

Price to Book Value per Share Ratio

Horace Mann Educators has a P/B Ratio of 1.29. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.26% 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 1.7, 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 17.33%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Horace Mann Educators pays a meaningful dividend of 3.45%, 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 50.72%. 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

1.26% 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 1.7, 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 17.33%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 1.5 / 5
• News Sentiment: 0.72

News Sentiment

Horace Mann Educators has a news sentiment score of 0.72. 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 0.95 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Horace Mann Educators this week, compared to 5 articles on an average week.

Search Interest

Only 1 people have searched for HMN on MarketBeat in the last 30 days. This is a decrease of -67% compared to the previous 30 days.

MarketBeat Follows

Only 1 people have added Horace Mann Educators to their MarketBeat watchlist in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Horace Mann Educators insiders have sold 1,331.86% more of their company's stock than they have bought. Specifically, they have bought $154,105.00 in company stock and sold $2,206,574.00 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 3.5% and is now trading at $40.6190.

How were Horace Mann Educators' earnings last quarter?

Horace Mann Educators Corporation (NYSE:HMN) issued its quarterly earnings results on Tuesday, May, 6th. The insurance provider reported $1.07 EPS for the quarter, beating analysts' consensus estimates of $0.88 by $0.19. The business's revenue was up 7.9% 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 share buyback plan on Tuesday, May 13th 2025, which authorizes the company to buy back $50,000,000 in outstanding shares, according to EventVestor. This means that the company could purchase up to 3% of its stock through open market purchases. Stock buyback plans are usually a sign that the company's board believes its stock is undervalued.

Who are Horace Mann Educators' major shareholders?

Top institutional investors of Horace Mann Educators include Harbor Capital Advisors Inc. (0.16%), Exchange Traded Concepts LLC (0.05%), Wealth Enhancement Advisory Services LLC (0.01%) and Financiere des Professionnels Fonds d investissement inc. (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: 5/06/2025
• Record date for 6/30 Dividend: 6/16/2025
• Ex-Dividend for 6/30 Dividend: 6/16/2025
• Dividend Payable: 6/30/2025
• Today: 7/12/2025
• Next Earnings (Estimated): 8/06/2025
• 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: $46.33
• High Price Target: $49.00
• Low Price Target: $45.00
• Potential Upside/Downside: +14.1%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.76
• Trailing P/E Ratio: 14.72
• Forward P/E Ratio: 10.50
• P/E Growth: N/A
• Net Income: $102.80 million
• Net Margins: 7.04%
• Pretax Margin: 8.80%
• Return on Equity: 11.86%
• Return on Assets: 1.05%

Debt

• Debt-to-Equity Ratio: 0.41
• Current Ratio: 0.09
• Quick Ratio: 0.09

Sales & Book Value

• Annual Sales: $1.60 billion
• Price / Sales: 1.04
• Cash Flow: $3.89 per share
• Price / Cash Flow: 10.44
• Book Value: $31.59 per share
• Price / Book: 1.29

Miscellaneous

• Outstanding Shares: 40,780,000
• Free Float: 39,148,000
• Market Cap: $1.66 billion
• Optionable: Optionable
• Beta: 0.27