HMN
Horace Mann Educators Corporation
NYSE: HMN · FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY
$45.88
-0.54% today
Updated 2026-04-29
Market cap
$1.85B
P/E ratio
11.76
P/S ratio
1.09x
EPS (TTM)
$3.90
Dividend yield
3.03%
52W range
$39 – $48
Volume
0.2M
WallStSmart proprietary scores
56
out of 100
Grade: C+
Hold
Investment rating
4.7
Growth
C6.0
Quality
B5.5
Profitability
C+7.0
Valuation
B+4/9
Piotroski F-Score
Moderate
—
Altman Z-Score
—
—
Industry rank
—
View all highly rated stocks (75+) →206 stocks currently score above 75
Price targets
Analyst target
$51.50
+12.25%
12-Month target
$40.34
-12.07%
Intrinsic (DCF)
—
Margin of safety
—
0 Strong Buy2 Buy2 Hold0 Sell0 Strong Sell
Price chart
X-Ray snapshot
Strengths
+ Free cash flow $129.90M — positive
+ Debt/equity 0.40x — low leverage
Risks
No major risks identified
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $1.34B | $1.43B | $1.55B | $1.70B | $1.70B |
| Net income | $19.80M | $45.00M | $102.80M | $162.10M | $36.20M |
| EPS | — | — | — | — | $3.90 |
| Free cash flow | $135.80M | $136.30M | $452.10M | $98.00M | $129.90M |
| Profit margin | 1.48% | 3.14% | 6.63% | 9.53% | 9.53% |
Peer comparison
Smart narrative
Horace Mann Educators Corporation trades at $45.88. representing a P/E of 11.76x trailing earnings. Our Smart Value Score of 56/100 indicates the stock is fair. The company scores 4/9 on the Piotroski F-Score. TTM revenue stands at $1.70B. with profit margins at 9.53%.
Frequently asked questions
What is Horace Mann Educators Corporation's stock price?
Horace Mann Educators Corporation (HMN) trades at $45.88.
Is Horace Mann Educators Corporation overvalued?
Smart Value Score 56/100 (Grade C+, Hold).
What is the price target of Horace Mann Educators Corporation (HMN)?
The analyst target price is $51.50, representing +12.2% upside from the current price of $45.88.
What is Horace Mann Educators Corporation's revenue?
TTM revenue is $1.70B.
Piotroski F-Score?
4/9 — moderate financial health.
Company info
SectorFINANCIAL SERVICES
IndustryINSURANCE - PROPERTY & CASUALTY
CountryUSA
ExchangeNYSE
CurrencyUSD
Quick metrics
P/S ratio1.09x
ROE11.70%
Beta0.05
50D MA$43.59
200D MA$44.34
Shares out0.04B
Float0.04B
Short ratio—
Avg volume0.2M
Performance
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YTD—
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