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Horace Mann Educators

NYQ:HMN · US4403271046
InsuranceMedium

360

45
Profit price56
Owner Earnings Yield55
Dividend Yield1
Price/Sales43
EV / Gross Profit70
Price/Book61
Returns on capital—
Profit margins55
Cash Conversion68
Accruals71
Sales growth53
Profit Growth27
Long-Term EPS Growth86
Reinvestment49
Price momentum69
Debt load41
Debt serviceability91
Liquidity34
Analyst ratings82
Opinion Changes50
Price Target Upside26
Market mood78
Value Creation17/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Horace Mann Educators generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryInsurance
SizeMedium
TypePublic Company
ExchangeNYSE
Founded1968
Employees1,822
Websitehoracemann.com
ISINUS4403271046
Last UpdateApr 2, 2026
Index & Theme
Financial Services

Description

Horace Mann Educators Corporation (Horace Mann) operates as an insurance holding company. Segments The company operates through three reporting segments representing the major lines of business are: Property & Casualty, Life & Retirement, and Suppl…

Analysis

Middle-of-the-road

Horace Mann Educators Corporation is a middle-of-the-road business: neither the economics nor the price stand out from the peer group.

Valuation data is not available for this company.

The trajectory is moderate and the balance sheet is adequate. The company scores 17/20 on our value-creation score: strong value creator.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
64
2023202420252026

All-time high

64

Jun 2026

All-time low

22

Jan 2025

Average rank

37

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
43
65
60
54
Price/Earnings
44
64
62
53
Price/Book
61
72
74
69
Dividend Yield
1
86
94
81
Value (overall)
18
89
92
77

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →