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Horace Mann Educators Corp

HMN

45.840USD

-0.475-1.03%
Close 09/19, 16:00ETQuotes delayed by 15 min
1.87BMarket Cap
13.36P/E TTM

Horace Mann Educators Corp

45.840

-0.475-1.03%

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Currency: USD Updated: 2025-09-19

Key Insights

The company's fundamentals are relatively stable. Its valuation is considered undervalued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Buy. Despite an average stock market performance, the company shows strong technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Industry Ranking
50 / 112
Overall Ranking
179 / 4720
Industry
Insurance

Support & Resistance

No Data

Score Analysis

Current score
Previous score

Analyst Rating

Based on 4 analysts
Buy
Current Rating
49.000
Target Price
+5.76%
Upside Space
Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Company Highlights

StrengthsRisks
Horace Mann Educators Corporation is a financial services company focused on helping America's educators and others who serve the community. The Company's segments include Property & Casualty, Life & Retirement, Supplemental & Group Benefits, and Corporate & Other. The Property & Casualty segment's primary insurance products include private passenger auto insurance, residential home insurance, and personal umbrella insurance. The Life & Retirement segment markets 403(b) tax-qualified fixed, fixed indexed and variable annuities; the Horace Mann Retirement Advantage open architecture platform for 403(b)(7) and other defined contribution plans, and traditional term and whole life insurance products and indexed universal life (IUL) products. The Supplemental & Group Benefits segment offers employer-sponsored products including accident, critical illness, short-term disability and long-term disability, as well as worksite direct products including supplemental heart and supplemental cancer.
High Profit Growth
The company's net income leads the industry, with the latest annual income totaling USD 419.19.
High Dividend
The company is a high dividend payer, with the latest dividend payout ratio of 55.25%.
Stable Dividend
The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 55.25%.
Fairly Valued
The company’s latest PE is 13.51, at a medium 3-year percentile range.
Institutional Selling
The latest institutional holdings are 43.90M shares, decreasing 7.24% quarter-over-quarter.
Held by The Vanguard
Star Investor The Vanguard holds 4.92M shares of this stock.
Lower Market Activity
The company has less investor interest, with a 20-day turnover ratio of -0.15.

Financial Health

Currency: USD Updated: 2025-09-19

The company's current financial score is 5.91, which is lower than the Insurance industry's average of 6.34. Its financial status is weak, and its operating efficiency is average. Its latest quarterly revenue reached 415.50M, representing a year-over-year increase of 6.73%, while its net profit experienced a year-over-year increase of 673.68%.

Score

Industry at a Glance

Previous score
5.91
Change
0

Financials

4.05

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data

Quality of Earnings

8.13

Operational Efficiency

6.71

Growth Potential

4.00

Shareholder Returns

6.66

Company Valuation

Currency: USD Updated: 2025-09-19

The company’s current valuation score is 3.40, which is lower than the Insurance industry's average of 4.49. Its current P/E ratio is 13.66, which is 11.13% below the recent high of 15.18 and 2.68% above the recent low of 13.29.

Score

Industry at a Glance

Previous score
3.40
Change
0

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 50/112
No Data

Earnings Forecast

Currency: USD Updated: 2025-09-19

The company’s current earnings forecast score is 6.80, which is lower than the Insurance industry's average of 7.17. The average price target for Horace Mann Educators Corp is 49.00, with a high of 50.00 and a low of 48.00.

Score

Industry at a Glance

Previous score
6.80
Change
0

Support & Resistance

No Data

Analyst Rating

Based on 4 analysts
Buy
Current Rating
49.000
Target Price
+6.89%
Upside Space
Strong Buy
Buy
Hold
Sell
Strong Sell

Peer Comparison

59
Total
5
Median
6
Average
Company name
Ratings
Analysts
Horace Mann Educators Corp
HMN
4
Travelers Companies Inc
TRV
26
Progressive Corp
PGR
25
Allstate Corp
ALL
23
American International Group Inc
AIG
20
W R Berkley Corp
WRB
18
1
2
3
...
12

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-09-19

The company’s current price momentum score is 7.11, which is lower than the Insurance industry's average of 7.69. Sideways: Currently, the stock price is trading between the resistance level at 47.86 and the support level at 44.75, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score
7.11
Change
-0.25

Support & Resistance

No Data

Indicators

The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators
Sell(2)
Neutral(3)
Buy(0)
Indicators
Value
Direction
MACD(12,26,9)
-0.425
Neutral
RSI(14)
51.681
Neutral
STOCH(KDJ)(9,3,3)
24.715
Sell
ATR(14)
0.893
High Vlolatility
CCI(14)
-72.017
Neutral
Williams %R
81.913
Oversold
TRIX(12,20)
0.230
Sell
StochRSI(14)
5.310
Oversold
Moving Average
Sell(3)
Neutral(0)
Buy(3)
Indicators
Value
Direction
MA5
46.120
Sell
MA10
46.517
Sell
MA20
46.215
Sell
MA50
44.029
Buy
MA100
43.301
Buy
MA200
41.841
Buy

Institutional Confidence

Currency: USD Updated: 2025-09-19

The company’s current institutional recognition score is 10.00, which is higher than the Insurance industry's average of 7.84. The latest institutional shareholding proportion is 107.87%, representing a quarter-over-quarter increase of 0.21%. The largest institutional shareholder is The Vanguard, holding a total of 4.92M shares, representing 12.09% of shares outstanding, with 1.25% decrease in holdings.

Score

Industry at a Glance

Previous score
10.00
Change
0

Institutional Shareholding

No Data

Shareholder Activity

Name
Shares Held
Chg %
BlackRock Institutional Trust Company, N.A.
5.52M
-0.73%
The Vanguard Group, Inc.
Star Investors
4.92M
-1.37%
Franklin Mutual Advisers, LLC
3.62M
+8.20%
T. Rowe Price Associates, Inc.
Star Investors
2.11M
-0.37%
Dimensional Fund Advisors, L.P.
2.56M
-3.61%
Fuller & Thaler Asset Management Inc.
2.25M
-0.67%
State Street Global Advisors (US)
1.63M
-4.84%
EARNEST Partners, LLC
1.30M
-2.76%
Brown Advisory
1.03M
-0.51%
Geode Capital Management, L.L.C.
967.94K
+1.26%
1
2

Risk Assessment

Currency: USD Updated: 2025-09-19

The company’s current risk assessment score is 6.45, which is higher than the Insurance industry's average of 5.26. The company's beta value is 0.22. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.

Score

Industry at a Glance

Previous score
6.45
Change
0
Beta vs S&P 500 index
0.22
VaR
+2.47%
240-Day Maximum Drawdown
+14.26%
240-Day Volatility
+26.73%
Return
Best Daily Return
60 days
+2.68%
120 days
+3.76%
5 years
+8.58%
Worst Daily Return
60 days
-2.96%
120 days
-3.81%
5 years
-10.26%
Sharpe Ratio
60 days
+1.51
120 days
+0.90
5 years
+0.36
Risk Assessment
Maximum Drawdown
240 days
+14.26%
3 years
+29.57%
5 years
+36.41%
Return-to-Drawdown Ratio
240 days
+2.14
3 years
+0.19
5 years
+0.08
Skewness
240 days
+0.47
3 years
-0.16
5 years
-0.30
Volatility
Realised Volatility
240 days
+26.73%
5 years
+27.19%
Standardised True Range
240 days
+1.97%
5 years
+1.86%
Downside Risk-Adjusted Return
120 days
+146.91%
240 days
+146.91%
Maximum Daily Upside Volatility
60 days
+15.85%
Maximum Daily Downside Volatility
60 days
+14.14%
Liquidity
Average Turnover Rate
60 days
+0.61%
120 days
+0.65%
5 years
--
Turnover Deviation
20 days
-14.65%
60 days
+5.47%
120 days
+12.16%

Peer Comparison

Insurance
Horace Mann Educators Corp
Horace Mann Educators Corp
HMN
6.36 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Hci Group Inc
Hci Group Inc
HCI
8.12 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Assured Guaranty Ltd
Assured Guaranty Ltd
AGO
8.12 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
W R Berkley Corp
W R Berkley Corp
WRB
7.83 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Essent Group Ltd
Essent Group Ltd
ESNT
7.69 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Unum Group
Unum Group
UNM
7.69 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
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