Horace Mann Educators Corporati

Valuation Analysis

About the Company

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 univers

Horace Mann Educators Corporati Stock at a Glance

Horace Mann Educators Corporati (HMN) is currently trading at $48.86 with a market capitalization of $2B. The trailing P/E ratio stands at 12.28x, with a forward P/E of 9.63x. The 52-week range spans from $40.04 to $49.60; the current price is 1.5% below the yearly high. Year-over-year revenue growth stands at +3.1%. The net profit margin stands at 9.63%.

💰 Dividend

Horace Mann Educators Corporati pays an annual dividend of $1.44 per share, representing a yield of 2.95%. The payout ratio stands at 35.43%.

📊 Analyst Rating

2 analysts rate Horace Mann Educators Corporati (HMN) on consensus: Buy. The average price target is $52.00, implying +6.43% from the current price. Analyst price targets range from $51.00 to $53.00.

Horace Mann Educators Corporati: The Investment Case in Detail

Horace Mann Educators Corporati (HMN) operates in the Financial Services — specifically Insurance - Property & Casualty — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

The Bear Case

Revenue growth has slowed to just 3.1%, which is below nominal GDP — the business is no longer outgrowing the broader economy.

Valuation in Context

The PEG ratio at 1.16 sits in the reasonable zone — the price tag is roughly aligned with the company's growth profile, neither punishing nor euphoric. The EV/EBITDA multiple of 9.23x is below the historical equity-market average — strategic acquirers would find the cash-flow profile attractive at this level.

What to Watch Next

• The forward P/E of 9.63x is meaningfully below the trailing 12.28x — analysts expect earnings to step up; the next earnings release is the test.
• The share is trading at 92.3% of its 52-week range — a break above the recent high opens technical upside, a failure here often invites profit-taking.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to relatively defensive market behavior.

Trading Data

💵 Dividend Info

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