Zacks Investment Research·5 days ago
Are You Looking for a Top Momentum Pick? Why Horace Mann (HMN) is a Great ChoiceDoes Horace Mann (HMN) have what it takes to be a top stock pick for momentum investors? Let's find out.
Horace Mann Educators Corporation(HMN)Earnings, Financials & Key Ratios
HMN•NYSE•Insurance & Managed Care
$53.85
13.8× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryProperty & Casualty InsuranceSub-IndustryPersonal auto and homeowners insurers
AboutHorace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. It operates in three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits. The company underwrites and markets personal lines of property and casualty insurance, including personal lines auto and property insurance products; supplemental insurance products, which include cancer, heart, hospital, supplemental disability, and accident coverages; retirement products, such as tax-qualified fixed and variable annuities; and life insurance products comprising whole life and term, as well as indexed universal life insurance products. It also offers student loan solutions, including online student loan management accounts for educators. The company markets its products through its sales force of full-time exclusive agents to K-12 teachers, administrators, and other employees of public schools and their families. Horace Mann Educators Corporation was founded in 1945 and is headquartered in Springfield, Illinois.Show more
- Revenue$1.62B+4.8%
- Combined Ratio87.62%-4.5%
- Net Income$162M+57.7%
- Return on Equity11.7%+40.2%
- Medical Cost Ratio64.8%-6.3%
- Operating Margin12.38%+49.3%
- Net Margin9.98%+50.5%
- ROA1.09%+51.2%
- Equity / Assets9.71%+9.3%
HMN Price & Volume
Horace Mann Educators Corporation (HMN) stock price & volume — 10-year historical chart
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Educator Niche Stability Offsets Underwriting Margin Volatility
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Stable
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:P&C underwriting margin volatility
Key Thesis Takeaways
- Horace Mann Educators Corporation leverages a specialized distribution model to drive consistent revenue growth, evidenced by a 7.3% year-over-year increase in 2026Q1.
- While the company has demonstrated operational recovery from the 2024Q2 combined ratio peak of 98.8%, investors should monitor the sensitivity of underwriting margins to claims volatility.
- A conservative capital structure, highlighted by a 0.40 debt-to-equity ratio, provides a necessary buffer against potential P&C sector headwinds.
Verdict Logic
while the company maintains a healthy 0.40 debt-to-equity ratio and consistent revenue growth, the historical volatility in the combined ratio, which fluctuated between 82.9% and 98.8% since 2024, warrants further investigation into long-term underwriting sustainability.
HMN Growth Metrics
Horace Mann Educators Corporation (HMN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years4.17%
5 Years4.73%
3 Years6.61%
TTM5.57%
Profit CAGR
10 Years5.66%
5 Years3.99%
3 Years101.55%
TTM44.19%
EPS CAGR
10 Years5.89%
5 Years3.91%
3 Years102.45%
TTM44.2%
Return on Capital
10 Years0.96%
5 Years0.86%
3 Years0.88%
Last Year1.35%
HMN Recent Earnings
Horace Mann Educators Corporation (HMN) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 3/12 qtrs (25%)
Q2 2026Latest
May 6, 2026Metric
Actual
Est
EPS
$1.28+16.4%
$1.10
Rev
$313M-1.9%
$319M
Q1 2026
Feb 3, 2026Metric
Actual
Est
EPS
$1.21+2.5%
$1.18
Rev
$317M+1.0%
$314M
Q4 2025
Nov 4, 2025Metric
Actual
Est
EPS
$1.36+30.8%
$1.04
Rev
$417M-3.2%
$431M
Q3 2025
Aug 6, 2025Metric
Actual
Est
EPS
$1.06+73.8%
$0.61
Rev
$412M-3.1%
$425M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 6, 2026 | $1.28vs $1.10+16.4% | $313Mvs $319M-1.9% |
| Q1 2026 | Feb 3, 2026 | $1.21vs $1.18+2.5% | $317Mvs $314M+1.0% |
| Q4 2025 | Nov 4, 2025 | $1.36vs $1.04+30.8% | $417Mvs $431M-3.2% |
| Q3 2025 | Aug 6, 2025 | $1.06vs $0.61+73.8% | $412Mvs $425M-3.1% |
Based on last 12 quarters of dataView full earnings history →
Latest HMN News
Recent stock market news and headlines for Horace Mann Educators Corporation (HMN)
Business Wire·Jun 16, 2026
Horace Mann Helps Educators Achieve Millions in Student Loan Relief Through Student Loan Solutions ProgramSPRINGFIELD, Ill.--(BUSINESS WIRE)--Horace Mann (NYSE:HMN) is helping educators across the country reduce financial stress and achieve long-term financial security through its Student Loan Solutions program, which provides guidance on navigating an oftentimes complex loan forgiveness process. For many educators, student loan debt remains a significant barrier to financial wellbeing. Horace Mann's program offers no-cost access to tools, resources, and expert loan coaches to help educators identi.
Peers Comparison
Key metrics vs top competitors for Horace Mann Educators Corporation (HMN)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $53.85 | $2.17B | 13.81 | 4.81% | 9.98% | 11.7% | 2.55% | |
| $121.49 | $61.84B | 17.79 | -8.84% | 25.44% | 16.08% | — | |
| $52.89 | $4.94B | 22.51 | 0.94% | 5.44% | 9.56% | — | |
| $176.67 | $13.72B | 12.57 | 3.82% | 19.37% | 20.32% | — | |
| $28.81 | $3.91B | 15.32 | 5.72% | 9.11% | 11.15% | — | |
| $91.67 | $59.77B | 19.10 | 10.22% | 4.7% | 12.72% | — |
Compare HMN vs Peers
Horace Mann Educators Corporation (HMN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
HMN SEC Filings & Documents
Horace Mann Educators Corporation (HMN) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
May 6, 2026·SEC
Material company update
Mar 27, 2026·SEC
Material company update
Feb 3, 2026·SEC
10-K Annual Reports
410-Q Quarterly Reports
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HMN Frequently Asked Questions
Horace Mann Educators Corporation (HMN) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Horace Mann Educators Corporation growing?
Horace Mann Educators Corporation (HMN) grew revenue by 4.8% over the past year. Growth has been modest.
Is HMN profitable?
Yes, Horace Mann Educators Corporation (HMN) is profitable, generating $165.1M in net income for fiscal year 2025 (10.0% net margin).
Dividend & Returns
Does HMN pay dividends?
Yes, Horace Mann Educators Corporation (HMN) pays a dividend with a yield of 2.55%. This makes it attractive for income-focused investors.
What is HMN's return on equity?
Horace Mann Educators Corporation (HMN) has a return on equity (ROE) of 11.7%. This is reasonable for most industries.
Industry Metrics
What is Horace Mann Educators Corporation's combined ratio?
Horace Mann Educators Corporation (HMN) has a combined ratio of 87.6%. A ratio below 100% indicates underwriting profitability.