HORACE MANN EDUCATORS

HMNNYSE

🏆 #1799 by market capEarnings Nov 3US Equity

$51.94▼ $0.32 (−0.61%)

Live

1h▼ 0.1%

24h▼ 0.6%

7d▼ 0.3%

14d▼ 0.5%

30d▼ 1.2%

1y▲ 16.6%

🏦Market Cap

$2.10B

Small Cap

📈Revenue Growth (YoY)

+4.8%

Slowing

📊Gross Margin

59.2%

Healthy

💵FCF Margin

33.1%

Strong

⚖️P/S Ratio

1.2x

Cheap

Otter Score

Weak

Trading Snapshot

Day Range: $51.32 – $52.32
52-Week Range: $41.29 – $55.56
Volume: $3.20B
Avg Volume: $4.19B
Shares Outstanding: 40.4M
Next Earnings: Oct 28, 2026

Fundamentals Snapshot

Annual Revenue: $1.62B
Last Q Revenue: $444M
P/E Ratio: 12.1
P/S Ratio: 1.2x
EPS (TTM): $4.33
Dividend Yield: 2.73%

Why Investors Own HMN

✓High-growth profile — revenue up +15.5% YoY with expanding US Equity exposure.
✓Healthy economics — 67% gross margin and 18% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$1.62B▲ +17.9% YoY

Gross Margin (TTM)

67.0%▲ +3.7% YoY

Operating Income (TTM)

$333M▲ +17.9% YoY

Free Cash Flow (TTM)

$288M▲ +17.9% YoY

About HORACE MANN EDUCATORS

Horace Mann Educators Corporation functions as an insurance holding company, conducting its operations through various subsidiaries throughout the United States. The company is structured into three main divisions: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits. It offers a comprehensive suite of personal insurance options, such as automobile and home coverage. Additionally, Horace Mann provides supplemental protection plans, addressing specific needs like cancer, cardiac conditions, hospitalization, extended disability, and accidental injuries. For financial planning, the corporation delivers tax-advantaged fixed and variable annuities, alongside a range of life insurance products including whole life, term life, and indexed universal life policies. Beyond insurance, the company also assists educators with student loan management via online platforms. Its extensive portfolio of services is distributed by a dedicated network of full-time, exclusive agents, primarily targeting K-12 teachers, school administrators, other public school personnel, and their families. Established in 1945, Horace Mann Educators Corporation is headquartered in Springfield, Illinois.

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