HMN
Horace Mann Educators Corporation
Price Chart
Latest Quote
$50.57
-0.18 (-0.35%)
Current Price
| Previous Close | $50.75 |
| Open | $51.26 |
| Day High | $51.50 |
| Day Low | $50.57 |
| Volume | 257,677 |
Stock Information
| Quarterly Dividend / Yield | $1.44 / 2.84% |
| Shares Outstanding | 40.38M |
| Quarterly Dividend Yield | 2.84% |
| Quarterly Dividend | $1.44 |
| Total Debt | $593.80M |
| Cash Equivalents | $96.30M |
| Revenue | $1.71B |
| Net Income | $165.10M |
| Sector | Financial Services |
| Industry | Insurance - Property & Casualty |
| Market Cap | $2.04B |
| P/E Ratio | 12.71 |
| EPS (TTM) | $3.98 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $2.55B |
| Sales | $1.71B |
| Income | $165.10M |
| Book/sh | $36.40 |
| Cash/sh | $2.38 |
| Employees | 2K |
Financial Ratios
| Quick Ratio | 0.09 |
| Current Ratio | 2.84 |
| Debt/Eq | 40.40 |
| EPS Growth TTM | 7.90% |
Returns & Margins
| ROA | 1.03% |
| ROE | 11.74% |
| Gross Margin | 38.76% |
| Operating Margin | 13.91% |
| Profit Margin | 9.63% |
Ownership
| Insider Ownership | 1.62% |
| Institutional Ownership | 104.31% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 9.97 |
| PEG | 1.16 |
| P/S | 1.19 |
| P/B | 1.39 |
Analyst Data
| Recommendation | buy |
| Target Price | $52.00 |
Technical Indicators
| SMA20 | $47.44 |
| SMA50 | $46.09 |
| SMA200 | $44.25 |
| RSI | 88.39 |
| ATR | 1.2338 |
| Shares Float | 39.91M |
| Short Float | 3.53% |
| Short Ratio | 4.68 |
| Volatility | 0.13 |
| Rel Volume | 0.93 |
Performance History
| Week | +3.82% |
| Month | +8.76% |
| Quarter | +18.78% |
| 6 Months | +10.40% |
| YTD | +13.73% |
| Year | +20.80% |
| 3 Years | +84.85% |
| 5 Years | +54.05% |
| 10 Years | +119.18% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-24 | $50.57 | 257,677 |
| 2026-06-23 | $50.75 | 244,500 |
| 2026-06-22 | $49.03 | 237,500 |
| 2026-06-18 | $48.68 | 503,000 |
| 2026-06-17 | $48.62 | 323,000 |
| 2026-06-16 | $48.71 | 377,300 |
| 2026-06-15 | $48.30 | 416,100 |
| 2026-06-12 | $48.50 | 294,000 |
| 2026-06-11 | $48.39 | 205,100 |
| 2026-06-10 | $48.14 | 296,000 |
| 2026-06-09 | $47.32 | 278,100 |
| 2026-06-08 | $46.25 | 159,700 |
| 2026-06-05 | $46.62 | 161,800 |
| 2026-06-04 | $45.24 | 257,700 |
| 2026-06-03 | $44.97 | 231,000 |
| 2026-06-02 | $45.73 | 217,300 |
| 2026-06-01 | $45.08 | 284,200 |
| 2026-05-29 | $45.39 | 236,900 |
| 2026-05-28 | $46.01 | 298,100 |
| 2026-05-27 | $46.43 | 281,400 |
| 2026-05-26 | $47.03 | 263,000 |
About Horace Mann Educators Corporation
Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. It operates through three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits segments. The Property & Casualty segment offers insurance products, including private passenger auto insurance, residential home insurance, and personal umbrella insurance; standard auto coverage including liability, collision, and comprehensive; property coverage for homeowners and renters. The Life & Retirement segment sells tax-qualified fixed, fixed indexed, and variable annuities; the Horace Mann Retirement Advantage open architecture platform and other defined contribution plans; traditional term, whole life insurance products, and indexed universal life (IUL) products. This segment also offers Life by Design, a portfolio of individual whole life and individual term insurance products that address the financial planning needs of educators; Life Select, a combination product that mixes a base of either traditional whole life, 20-pay life, or life paid-up at age 65 with a variety of term riders; single premium whole life products; and cash value term. The Supplemental & Group Benefits segment offers employer-sponsored products, including accident, critical illness, limited-benefit fixed indemnity insurance, term life, and short-term and long-term disability, as well as worksite direct products, such as supplemental heart, cancer, disability, and accident coverages. The company offers individual protection and savings solutions, including auto insurance, property insurance, liability insurance, 403(b) retirement plans, mutual funds, life insurance, student loan solutions, credit monitoring, and financial wellness workshops. It distributes its products and services through agents, brokers, benefit specialists, direct and digital channels. The company was founded in 1945 and is headquartered in Springfield, Illinois.
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $1,624,900,000 | $1,550,400,000 | $1,432,800,000 | $1,341,100,000 |
| Operating Revenue | $1,624,900,000 | $1,550,400,000 | $1,432,800,000 | $1,341,100,000 |
| Expenses | ||||
| Interest Expense | $36,400,000 | $34,600,000 | $29,700,000 | $19,400,000 |
| Total Expenses | $1,423,700,000 | $1,421,800,000 | $1,379,500,000 | $1,324,600,000 |
| Other Income Expense | $21,700,000 | $20,800,000 | $14,000,000 | $9,500,000 |
| Net Non Operating Interest Income Expense | $-36,400,000 | $-34,600,000 | $-29,700,000 | $-19,400,000 |
| Interest Expense Non Operating | $36,400,000 | $34,600,000 | $29,700,000 | $19,400,000 |
| Other Operating Expenses | $396,600,000 | $345,500,000 | $318,100,000 | $315,500,000 |
| Loss Adjustment Expense | $711,500,000 | $745,000,000 | $769,100,000 | $747,000,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $162,100,000 | $102,800,000 | $45,000,000 | $19,800,000 |
| Net Interest Income | $-36,400,000 | $-34,600,000 | $-29,700,000 | $-19,400,000 |
| Normalized Income | $162,100,000 | $102,800,000 | $45,000,000 | $23,592,000 |
| Net Income From Continuing And Discontinued Operation | $162,100,000 | $102,800,000 | $45,000,000 | $19,800,000 |
| Net Income Common Stockholders | $162,100,000 | $102,800,000 | $45,000,000 | $19,800,000 |
| Net Income | $162,100,000 | $102,800,000 | $45,000,000 | $19,800,000 |
| Net Income Including Noncontrolling Interests | $162,100,000 | $102,800,000 | $45,000,000 | $19,800,000 |
| Net Income Continuous Operations | $162,100,000 | $102,800,000 | $45,000,000 | $19,800,000 |
| Pretax Income | $201,200,000 | $128,600,000 | $53,300,000 | $16,500,000 |
| Depreciation And Amortization In Income Statement | $14,300,000 | $14,500,000 | $14,800,000 | $16,800,000 |
| Special Income Charges | - | $0 | $0 | $-4,800,000 |
| Per Share | ||||
| Diluted EPS | $3.90 | $2.48 | $1.09 | $0.47 |
| Basic EPS | $3.93 | $2.49 | $1.09 | $0.48 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $-1,008,000 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $27,100,000 | $26,400,000 | $26,200,000 | $27,600,000 |
| EBIT | $237,600,000 | $163,200,000 | $83,000,000 | $35,900,000 |
| Diluted Average Shares | $41,600,000 | $41,500,000 | $41,400,000 | $41,800,000 |
| Basic Average Shares | $41,200,000 | $41,300,000 | $41,300,000 | $41,600,000 |
| Diluted NI Availto Com Stockholders | $162,100,000 | $102,800,000 | $45,000,000 | $19,800,000 |
| Tax Provision | $39,100,000 | $25,800,000 | $8,300,000 | $-3,300,000 |
| Amortization | $14,300,000 | $14,500,000 | $14,800,000 | $16,800,000 |
| Net Policyholder Benefits And Claims | $711,500,000 | $745,000,000 | $769,100,000 | $747,000,000 |
| Policyholder Benefits Gross | $759,600,000 | $788,000,000 | $814,800,000 | $790,500,000 |
| Policyholder Benefits Ceded | $48,100,000 | $43,000,000 | $45,700,000 | $43,500,000 |
| Total Unusual Items | - | $0 | $0 | $-4,800,000 |
| Total Unusual Items Excluding Goodwill | - | $0 | $0 | $-4,800,000 |
| Impairment Of Capital Assets | - | $0 | $0 | $4,800,000 |
Fetched: 2026-06-15
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $1,300,300,000 | $1,077,400,000 | $950,700,000 | $858,800,000 |
| Total Assets | $15,266,600,000 | $14,487,800,000 | $14,049,900,000 | $13,306,100,000 |
| Goodwill And Other Intangible Assets | $182,400,000 | $210,100,000 | $224,600,000 | $239,500,000 |
| Other Intangible Assets | $128,100,000 | $155,800,000 | $170,300,000 | $185,200,000 |
| Receivables | $419,000,000 | $424,800,000 | $480,500,000 | $468,000,000 |
| Accounts Receivable | $419,000,000 | $424,800,000 | $480,500,000 | $468,000,000 |
| Cash Cash Equivalents And Short Term Investments | $634,500,000 | $5,620,900,000 | $5,493,100,000 | $5,407,200,000 |
| Cash And Cash Equivalents | $26,200,000 | $33,100,000 | $29,000,000 | $42,200,000 |
| Debt | ||||
| Net Debt | $567,200,000 | $513,900,000 | $517,000,000 | $455,800,000 |
| Total Debt | $593,400,000 | $547,000,000 | $546,000,000 | $498,000,000 |
| Long Term Debt And Capital Lease Obligation | $593,400,000 | $547,000,000 | $546,000,000 | $249,000,000 |
| Long Term Debt | $593,400,000 | $547,000,000 | $546,000,000 | $249,000,000 |
| Current Debt And Capital Lease Obligation | - | $0 | $0 | $249,000,000 |
| Current Debt | - | $0 | $0 | $249,000,000 |
| Other Current Borrowings | - | $0 | - | - |
| Liabilities | ||||
| Minimum Pension Liabilities | $-2,500,000 | $-7,000,000 | $-7,600,000 | $-8,800,000 |
| Total Liabilities Net Minority Interest | $13,783,900,000 | $13,200,300,000 | $12,874,600,000 | $12,207,800,000 |
| Equity | ||||
| Common Stock Equity | $1,482,700,000 | $1,287,500,000 | $1,175,300,000 | $1,098,300,000 |
| Total Equity Gross Minority Interest | $1,482,700,000 | $1,287,500,000 | $1,175,300,000 | $1,098,300,000 |
| Stockholders Equity | $1,482,700,000 | $1,287,500,000 | $1,175,300,000 | $1,098,300,000 |
| Gains Losses Not Affecting Retained Earnings | $-154,600,000 | $-253,500,000 | $-314,000,000 | $-399,400,000 |
| Other Equity Adjustments | $93,400,000 | $110,900,000 | $21,900,000 | $59,000,000 |
| Retained Earnings | $1,651,700,000 | $1,548,200,000 | $1,502,200,000 | $1,512,400,000 |
| Long Term Equity Investment | $1,100,600,000 | $1,121,300,000 | $1,138,800,000 | $983,700,000 |
| Investments In Other Ventures Under Equity Method | $1,100,600,000 | $1,121,300,000 | $1,138,800,000 | $983,700,000 |
| Other | ||||
| Treasury Shares Number | $26,664,472 | $26,167,246 | $25,911,087 | $25,714,153 |
| Ordinary Shares Number | $40,659,457 | $40,864,918 | $40,836,734 | $40,904,312 |
| Share Issued | $67,323,929 | $67,032,164 | $66,747,821 | $66,618,465 |
| Tangible Book Value | $1,300,300,000 | $1,077,400,000 | $950,700,000 | $858,800,000 |
| Invested Capital | $2,076,100,000 | $1,834,500,000 | $1,721,300,000 | $1,596,300,000 |
| Total Capitalization | $2,076,100,000 | $1,834,500,000 | $1,721,300,000 | $1,347,300,000 |
| Unrealized Gain Loss | $-245,500,000 | $-357,400,000 | $-328,300,000 | $-449,600,000 |
| Treasury Stock | $553,300,000 | $532,500,000 | $523,900,000 | $517,400,000 |
| Additional Paid In Capital | $538,800,000 | $525,200,000 | $510,900,000 | $502,600,000 |
| Capital Stock | $100,000 | $100,000 | $100,000 | $100,000 |
| Common Stock | $100,000 | $100,000 | $100,000 | $100,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $7,166,500,000 | $6,775,600,000 | $6,689,100,000 | $6,448,300,000 |
| Goodwill | $54,300,000 | $54,300,000 | $54,300,000 | $54,300,000 |
| Net PPE | $70,800,000 | $73,400,000 | $68,600,000 | $69,300,000 |
| Other Short Term Investments | $608,300,000 | $5,587,800,000 | $5,464,100,000 | $5,365,000,000 |
| Line Of Credit | - | $0 | $0 | $249,000,000 |
Fetched: 2026-06-15
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $553,200,000 | $452,100,000 | $302,100,000 | $171,500,000 |
| Operating Activities | ||||
| Operating Cash Flow | $553,200,000 | $452,100,000 | $302,100,000 | $171,500,000 |
| Cash Flow From Continuing Operating Activities | $553,200,000 | $452,100,000 | $302,100,000 | $171,500,000 |
| Operating Gains Losses | $8,000,000 | $52,800,000 | $9,500,000 | $74,700,000 |
| Investing Activities | ||||
| Investing Cash Flow | $-252,100,000 | $-135,800,000 | $-107,400,000 | $-214,600,000 |
| Cash Flow From Continuing Investing Activities | $-252,100,000 | $-135,800,000 | $-107,400,000 | $-214,600,000 |
| Net Other Investing Changes | $-9,800,000 | $7,200,000 | $9,200,000 | $-9,600,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-20,800,000 | $-8,600,000 | $-6,500,000 | $-24,000,000 |
| Financing Cash Flow | $-311,700,000 | $-307,900,000 | $-207,800,000 | $-47,800,000 |
| Cash Flow From Continuing Financing Activities | $-311,700,000 | $-307,900,000 | $-207,800,000 | $-47,800,000 |
| Net Other Financing Charges | $237,200,000 | $9,100,000 | $63,600,000 | $112,600,000 |
| Cash Dividends Paid | $-57,100,000 | $-55,500,000 | $-53,900,000 | $-52,600,000 |
| Common Stock Dividend Paid | $-57,100,000 | $-55,500,000 | $-53,900,000 | $-52,600,000 |
| Net Common Stock Issuance | $-20,800,000 | $-8,600,000 | $-6,500,000 | $-24,000,000 |
| Other | ||||
| Repayment Of Debt | $-759,500,000 | $-270,000,000 | $-438,500,000 | $-154,000,000 |
| Issuance Of Debt | $295,200,000 | $0 | $297,700,000 | $0 |
| Interest Paid Supplemental Data | $32,200,000 | $33,500,000 | $30,100,000 | $18,200,000 |
| Income Tax Paid Supplemental Data | $34,700,000 | $22,100,000 | $14,000,000 | $8,600,000 |
| End Cash Position | $27,500,000 | $38,100,000 | $29,700,000 | $42,800,000 |
| Beginning Cash Position | $38,100,000 | $29,700,000 | $42,800,000 | $133,700,000 |
| Changes In Cash | $-10,600,000 | $8,400,000 | $-13,100,000 | $-90,900,000 |
| Proceeds From Stock Option Exercised | $5,300,000 | $5,100,000 | $0 | $0 |
| Common Stock Payments | $-20,800,000 | $-8,600,000 | $-6,500,000 | $-24,000,000 |
| Net Issuance Payments Of Debt | $-464,300,000 | $-270,000,000 | $-140,800,000 | $-154,000,000 |
| Net Long Term Debt Issuance | $-464,300,000 | $-270,000,000 | $-140,800,000 | $-154,000,000 |
| Long Term Debt Payments | $-759,500,000 | $-270,000,000 | $-438,500,000 | $-154,000,000 |
| Long Term Debt Issuance | $295,200,000 | $0 | $297,700,000 | $0 |
| Net Investment Purchase And Sale | $-272,300,000 | $-187,700,000 | $49,200,000 | $249,200,000 |
| Sale Of Investment | $1,178,300,000 | $978,300,000 | $688,200,000 | $1,300,800,000 |
| Purchase Of Investment | $-1,450,600,000 | $-1,166,000,000 | $-639,000,000 | $-1,051,600,000 |
| Net Business Purchase And Sale | $30,000,000 | $44,700,000 | $-165,800,000 | $-454,200,000 |
| Sale Of Business | $98,800,000 | $119,500,000 | $41,400,000 | $66,600,000 |
| Purchase Of Business | $-68,800,000 | $-74,800,000 | $-207,200,000 | $-520,800,000 |
| Change In Working Capital | $349,600,000 | $261,600,000 | $211,900,000 | $35,700,000 |
| Change In Other Working Capital | $222,200,000 | $150,600,000 | $40,200,000 | $-409,000,000 |
| Change In Payables And Accrued Expense | $2,100,000 | $28,200,000 | $-15,000,000 | $110,500,000 |
| Change In Payable | $2,100,000 | $28,200,000 | $-15,000,000 | $110,500,000 |
| Change In Tax Payable | $2,100,000 | $28,200,000 | $-15,000,000 | $110,500,000 |
| Change In Income Tax Payable | $2,100,000 | $28,200,000 | $-15,000,000 | $110,500,000 |
| Other Non Cash Items | $-3,800,000 | $-1,400,000 | - | - |
| Stock Based Compensation | $10,200,000 | $9,900,000 | $9,500,000 | $8,900,000 |
| Depreciation And Amortization | $27,100,000 | $26,400,000 | $26,200,000 | $27,600,000 |
| Earnings Losses From Equity Investments | $-5,000,000 | $35,500,000 | $-14,500,000 | $18,200,000 |
| Gain Loss On Investment Securities | $13,000,000 | $17,300,000 | $24,000,000 | $56,500,000 |
| Net Income From Continuing Operations | $162,100,000 | $102,800,000 | $45,000,000 | $19,800,000 |
| Asset Impairment Charge | - | $0 | $0 | $4,800,000 |
| Net Short Term Debt Issuance | - | - | $-249,000,000 | $0 |
| Short Term Debt Payments | - | - | $-249,000,000 | $0 |
| Short Term Debt Issuance | - | - | $0 | $0 |
| Change In Receivables | - | - | - | - |
| Changes In Account Receivables | - | - | - | - |
Fetched: 2026-06-15