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Horace Mann Educators(NYSE) HMN

Current Price$52.08
Market Cap$2.10BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1991)+1,245%
5 Year+61%
1 Year+30%
1 Month+3%
Horace Mann Educators last closing stock price
MetricPriceDate
Last closeUSD 52.102026-07-24
Horace Mann Educators stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.97%USD 52.612026-07-17
1 month+3.03%USD 50.572026-06-24
3 month+15.25%USD 45.202026-04-24
Year to date+14.63%USD 45.452025-12-31
1 year+29.87%USD 40.122025-07-24
3 year+97.51%USD 26.382023-07-25
5 year+60.85%USD 32.392021-07-23
Since inception+1,245.18%USD 3.871991-11-15

Horace Mann Educators Financials at a Glance

Market Cap

$2.10BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$1.66B

Net Income (TTM)

$165.10M

EPS (TTM)

$3.98

P/E Ratio

13.10

Dividend

$1.42

Beta (Volatility)

0.40 (Low)

Price

$52.08

Volume

18,835

Open

$51.46

Previous Close

$52.08

Daily Range

$51.46 - $52.55

52-Week Range

$40.73 - $55.56

Estimated Earnings Date

Aug 5, 2026

HMN News

SellAlert-Purple.png

Horace Mann's CEO Sold $395,000 in Stock After a 33% Run

Jonathan PoncianoJul 13, 2026
SellAlert-Red.png

President CEO Sells HMN 7,500 Shares for $346,000

Seena HassounaApr 29, 2026
BuyAlert-Purple.png

This Director Just Bought Another 3,500 Shares of HMN for $150,000

Sarah SidlowMar 24, 2026
Insider.png

CEO Sells 5,000 Shares of Horace Mann Educators

Isac SimonJul 17, 2025

Horace Mann Makes New President, CEO Official

Tim BruggerSep 19, 2013

Horace Mann Educators Earnings Preview

Narrative ScienceFeb 3, 2012

Horace Mann Educators Earnings Preview

Narrative ScienceJul 20, 2011

Stocks of the Week

Matt KoppenhefferJul 30, 2007

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About Horace Mann Educators

Horace Mann helps teachers and school staff protect their homes and plan for retirement. The company provides insurance and financial tools designed specifically for the education community. Its offerings support the long-term financial success of those who serve local schools.

Protecting the Education Community

  • Property and Casualty: Personal auto and home insurance products with specific features for educators, such as coverage for stolen school supplies.
  • Life and Retirement: Life insurance and retirement products, including tax-qualified 403(b) annuities used by public school staff to save for the future.
  • Supplemental and Group: Health and disability coverages provided as employer-sponsored benefits or bought directly by teachers for extra financial protection.

Steps Toward a Larger Reach

  • Acquired NTA Life Enterprises, LLC in 2019 to expand into the supplemental health insurance market.
  • Purchased Madison National Life Insurance Company in 2022 to strengthen its group benefits offerings for school districts.
  • Adopted the Guidewire software platform to allow for faster policy issuance and real-time coverage updates.
  • Created the Horace Mann Club to provide members with classroom resources, fitness programs, and financial wellness workshops.

What Makes Horace Mann Stand Out?

The company uses a distribution model where agents work directly with teachers inside school districts to provide personal advice. This specialized focus allows for tailored benefits, such as liability coverage for teachers who transport students in their own vehicles.

A Look at the Numbers

  • Total revenue reached $434.8 million in Q4 2025, up 10.6% from the prior year.
  • Operating income hit $329.3 million in Q4 2025, a 581.8% increase compared to Q4 2024.
  • Net income was $36.2 million in Q4 2025, down 5.2% from the same period in 2024.
  • Operating cash flow declined to $129.9 million in Q4 2025, down 32.9% year-over-year.

Final Word

Horace Mann has evolved from a local car insurer into a national financial services provider for the education sector. Its steady expansion into retirement and health products helps it serve more needs for school employees.

AI Generated • Apr 29, 2026

Industry

Insurance

Sector

Financials

Employees

1,800

CEO

Marita Zuraitis

Website

www.horacemann.com

Headquarters

Springfield, IL 62715-0001, US

HMN Financials

Key Financial Metrics (TTM)

Gross Margin

41.85%

Operating Margin

12.30%

Net Income Margin

9.96%

Return on Equity

11.48%

Return on Capital

9.69%

Return on Assets

1.10%

Earnings Yield

7.63%

Dividend Yield

2.73%

Payout Ratio

34.77%

Stock Overview

Market Cap

$2.10BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

40.38M

Volume

18.84K

Avg. Volume

261.67K

Financials (TTM)

Gross Profit

$693.50M

Operating Income

$203.90M

EBITDA

$267.70M

Operating Cash Flow

$473.70M

Capital Expenditure

$0.00

Free Cash Flow

$473.70M

Cash & ST Invst.

$497.50M

Total Debt

$593.80M

Horace Mann Educators Performance Analysis

Horace Mann Educators annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 1,381,600,0003.9%
20232023-12-31USD 1,491,900,0008.0%
20242024-12-31USD 1,595,200,0006.9%
20252025-12-31USD 1,701,400,0006.7%
Horace Mann Educators sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-2.1%
Q32025-09-306.5%
Q42025-12-310.5%
Q12026-03-312.4%
Horace Mann Educators annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 0.47-86.0%
20232023-12-31USD 1.09130.0%
20242024-12-31USD 2.48127.3%
20252025-12-31USD 3.9057.3%
Horace Mann Educators sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-22.8%
Q32025-09-3097.2%
Q42025-12-31-37.9%
Q12026-03-3114.9%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$429.30M

+7.3%

Gross Profit

$252.90M

+88.0%

Gross Margin

58.91%

N/A

Market Cap

$2.10BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.17M

N/A

Employees

1,800

N/A

Net Income

$41.20M

+7.9%

EBITDA

$66.40M

+4.7%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$497.50M

+2.5%

Total Debt

$593.80M

+8.5%

Accounts Receivable

$421.50M

+2.1%

Inventory

$0.00

N/A

Long Term Debt

$593.80M

+8.5%

Short Term Debt

$0.00

N/A

Return on Assets

1.10%

N/A

Return on Invested Capital

2.27%

N/A

Free Cash Flow

$61.30M

-56.5%

Operating Cash Flow

$61.30M

-56.5%

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Questions About HMN

What is the current price of Horace Mann Educators?

Horace Mann Educators is trading at $52.08 per share.

What is the 52-week range for Horace Mann Educators?

Over the past 52 weeks, Horace Mann Educators has traded between $40.73 and $55.56.

How much debt does Horace Mann Educators have?

As of the most recent reporting period, Horace Mann Educators reported total debt of $593.80M.

How much cash does Horace Mann Educators have on hand?

Horace Mann Educators reported $20.90M in cash and cash equivalents in its most recent financial results.

What is Horace Mann Educators’s dividend yield?

Horace Mann Educators currently has a dividend yield of 2.73%.

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