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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| HMN | +14.82% | +37.63% | +6.59% | +1,045% |
| S&P | +12.57% | +87.93% | +13.44% | +1,661% |
Horace Mann Educators Corp. is an insurance holding company, which engages in the provision of insurance and retirement solutions to educators and school employees. It operates through the following business segments: Property and Casualty, Supplemental, Retirement, Life, and Corporate and Other. The Property and Casualty segment focuses on personal lines of automobile and property insurance products. The Supplemental segment focuses on heart, cancer, accident, and limited short-term supplemental disability coverage. The Retirement segment consists of tax-qualified fixed and variable annuities. The Life segment offers life insurance. The Corporate and Other segment includes interest expense on debt, the impact of realized investment gains and losses and certain public company expenses. The company was founded by Carrol Hall and Leslie Nimmo in 1945 and is headquartered in Springfield, IL.
| Q3 2025 | YOY Change | |
|---|---|---|
| Revenue | $438.50M | 6.4% |
| Market Cap | $1.84B | 29.0% |
| Market Cap / Employee | $1.05M | 0.0% |
| Employees | 1.8K | 2.9% |
| Net Income | $58.30M | 70.0% |
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| Q3 2025 | YOY Change | |
|---|---|---|
| Net Cash | $302.50M | 660.1% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $842.90M | 54.2% |
| Short Term Debt | $0.00M | 0.0% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 1.30% | 0.4% |
| Return On Invested Capital | 4.60% | -0.9% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $151.20M | 5.1% |
| Operating Free Cash Flow | $151.20M | 5.1% |
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 15.83 | 15.49 | 12.74 | 11.45 | -17.79% |
| Price to Book | 1.24 | 1.36 | 1.31 | 1.36 | 14.83% |
| Price to Sales | 1.02 | 1.09 | 1.08 | 1.12 | 23.16% |
| Price to Tangible Book Value | 1.49 | 1.62 | 1.55 | 1.59 | 10.68% |
| Price to Free Cash Flow TTM | 4.11 | 3.84 | 3.23 | 3.35 | -28.98% |
| Free Cash Flow Yield | 24.3% | 26.0% | 30.9% | 29.8% | 40.81% |
| Return on Equity | 8.3% | 9.0% | 10.9% | 12.0% | 35.10% |
| Total Debt | $547.00M | $547.20M | $547.50M | $842.90M | 54.18% |
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HMN earnings call for the period ending September 30, 2021.
HMN earnings call for the period ending June 30, 2021.
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