Horace Mann Educators Corporation
NYQ: HMNLive Quote
📈 ZcoreAI Score
Our AI model analyzes Horace Mann Educators Corporation's price action across multiple timeframes using regression channels and statistical scoring.
Get HMN Z-Score →About Horace Mann Educators Corporation
Financial Services
Insurance - Property & Casualty
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.
📊 Fundamental Analysis
Horace Mann Educators Corporation demonstrates a profit margin of 9.5%, which is below the sector average, suggesting competitive pressure.
The company recently reported 6.3% revenue growth, which is above average for the Financial Services sector.
Return on Equity (ROE) is 11.7%, which suggests room for improvement in capital utilization.
At a current price of $44.22, HMN currently sits at the 57th percentile of its 52-week range (Range: $38.76 - $48.33).
💰 Valuation Insight
HMN is valued broadly in line with the sector at a PE of 11.34. Analysts expect earnings growth, as indicated by a lower forward PE.
🏥 Financial Health
🔴
Profit Margin
Weak
✅
Debt/Equity
Excellent
⚠️
Revenue Growth
Moderate
🔴
Return on Equity
Weak
✅
Beta (Risk)
Low Volatility
Key Financials
Market Cap
$1.79B
Trailing P/E
11.34
Forward P/E
8.79
Beta (5Y)
0.05
52W High
$48.33
52W Low
$38.76
Avg Volume
262K
Day High
Day Low