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Horace Mann Educators(NYSE) HMN

Market Cap$2.07BMarket 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)+1,206%
5 Year+48%
1 Year+15%
1 Month-2%
Premium Feature
Moneyball Superscore
70/100
$51.32
+1.42%
+0.72Today
After hours$51.25-$0.07 (-0.14%)
Horace Mann Educators last closing stock price
MetricPriceDate
Last closeUSD 51.202026-08-24
Horace Mann Educators stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.19%USD 51.302026-08-17
1 month-1.73%USD 52.102026-07-24
3 month+8.86%USD 47.032026-05-26
Year to date+12.65%USD 45.452025-12-31
1 year+14.88%USD 44.572025-08-22
3 year+97.53%USD 25.922023-08-25
5 year+47.51%USD 34.712021-08-25
Since inception+1,206.45%USD 3.871991-11-15

Horace Mann Educators Financials at a Glance

Market Cap

$2.07BMarket 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)

$1.71B

Net Income (TTM)

$177.30M

EPS (TTM)

$4.28

P/E Ratio

11.96

Dividend

$1.42

Beta (Volatility)

0.39 (Low)

Price

$51.32

Volume

170,680.523

Open

$50.72

Previous Close

$51.20

Daily Range

$50.30 - $51.41

52-Week Range

$41.29 - $55.56

Estimated Earnings Date

Nov 3, 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

HMN: Motley Fool Moneyball Superscore

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About Horace Mann Educators

Horace Mann Educators Corporation helps teachers protect their families and finances. It sells insurance and retirement plans to school employees. The company makes financial planning easier for educators.

Insurance for the Classroom

  • Property and Casualty: Personal auto and home insurance policies for educators; accounted for 51% of revenue in 2025.
  • Life and Retirement: Tax-advantaged retirement plans and life insurance products for school staff; represented 32% of revenue in 2025.
  • Supplemental and Group Benefits: Specialty health and disability coverage offered through employers; contributed 17% of revenue in 2025.

New Moves and Money

  • Issued $300 million in senior notes in September 2025 to manage long-term debt obligations.
  • Launched a voluntary Early Retirement Offering for employees in 2026 to restructure internal staffing.
  • Expanded group benefits coverage through strategic investments to grow the employer-sponsored business line.
  • Redeemed outstanding debt due in 2025 using proceeds from new note issuances to optimize interest costs.

Focusing on Educators

Horace Mann focuses specifically on the K-12 educator market to build deep niche expertise. It uses a network of exclusive agents to provide tailored financial solutions for school employees.

A Look at the Books

  • Total revenues reached $443.5 million in the second quarter of 2026, up 7.7% year over year.
  • Net income was $41.6 million in the three months ended June 30, 2026, up 41.5% year over year.
  • Book value per share hit $37.11 as of June 30, 2026, up 11.4% year over year.
  • Operating cash flow was $285.0 million for the six months ended June 30, 2026, up 4.7% year over year.

The Long Term View

Horace Mann has shifted from a traditional insurance provider to a multi-line financial services company for educators. Its focus on specialized products and exclusive distribution helps it serve the specific needs of school employees.

AI Generated • Aug 8, 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

48.28%

Operating Margin

12.66%

Net Income Margin

10.37%

Return on Equity

12.03%

Return on Capital

9.69%

Return on Assets

1.14%

Earnings Yield

8.36%

Dividend Yield

2.77%

Payout Ratio

32.49%

Stock Overview

Market Cap

$2.07BMarket 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

40.50M

Volume

170.68K

Avg. Volume

273.94K

Financials (TTM)

Gross Profit

$825.20M

Operating Income

$216.40M

EBITDA

$281.30M

Operating Cash Flow

$566.10M

Capital Expenditure

$0.00

Free Cash Flow

$566.10M

Cash & ST Invst.

$5.81B

Total Debt

$594.20M

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
Q32025-09-306.5%
Q42025-12-310.5%
Q12026-03-312.4%
Q22026-06-303.3%
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
Q32025-09-3097.2%
Q42025-12-31-37.9%
Q12026-03-3114.9%
Q22026-06-301.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$443.50M

+13.3%

Gross Profit

$257.20M

+104.9%

Gross Margin

57.99%

N/A

Market Cap

$2.07BMarket 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

$1.15M

N/A

Employees

1,800

N/A

Net Income

$41.60M

+41.5%

EBITDA

$65.30M

+26.3%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$5.81B

+5.8%

Total Debt

$594.20M

+8.5%

Accounts Receivable

$409.20M

+1.4%

Inventory

$0.00

N/A

Long Term Debt

$594.20M

+8.5%

Short Term Debt

$0.00

N/A

Return on Assets

1.14%

N/A

Return on Invested Capital

1.39%

N/A

Free Cash Flow

$223.70M

+70.4%

Operating Cash Flow

$223.70M

+70.4%

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Questions About HMN

What is the current price of Horace Mann Educators?

Horace Mann Educators is trading at $51.20 per share.

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

Over the past 52 weeks, Horace Mann Educators has traded between $41.29 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 $594.20M.

How much cash does Horace Mann Educators have on hand?

Horace Mann Educators reported $46.20M 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 2.77%.

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