Stocks · Financial Services · Insurance - Property & Casualty
Horace Mann Educators Corporation HMN
$45.60 +0.75% Close, Oct 5, 2026 · NYSE · Market cap $1.83B
Inexpensive vs sector
Next earnings report: Nov 3, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The shares trade at 10.7× trailing earnings, lower than 94% of the company's own readings over the past five years.
- Earnings beat analyst estimates in each of the last 9 quarters (average surprise over the last four: +24.6%).
- Diluted EPS over the last four quarters was $4.28, up 26.6% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
Growth40Weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 45%
- EPS growth (TTM, YoY)Top 41%
- FCF growth (TTM, YoY)Bottom 27%
- Revenue growth, 3-year CAGRBottom 20%
- Revenue growth accelerationTop 26%
Quality66Positive
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 39%
- Gross marginBottom 21%
- Operating marginBottom 27%
- Cash conversion (OCF / net income)Top 5%
- Accruals (lower is better)Top 24%
- Net debt / EBITDA (lower is better)Bottom 43%
- Interest coverTop 18%
Value96Exceptional
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 21%
- Free-cash-flow yieldTop 8%
- EBITDA / enterprise valueTop 20%
- Sales / enterprise valueTop 17%
- P/E vs own 5-year history (lower is better)Top 9%
Momentum34Weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 41%
- 6-month returnTop 49%
- 1-year return vs S&P 500Bottom 41%
- Distance from 52-week highBottom 28%
- Trend checklist (0–4)Bottom 27%
Revisions94Exceptional
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 12%
- Consecutive EPS beatsTop 11%
- Share of analysts rating BuyBottom 46%
- Upside to consensus price targetTop 20%
Stability66Positive
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 46%
- Maximum drawdown, 3 yearsTop 24%
- Beta vs S&P 500 (lower is better)Top 25%
- Net debt / EBITDA (lower is better)Bottom 43%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 5.6% | 8.0% | ↑ |
| EPS growth (YoY) | 44.2% | 26.6% | ↓ |
| Gross margin | 33.1% | 48.3% | ↑ |
| Operating margin | 11.1% | 12.7% | ↑ |
| FCF margin | 38.5% | 33.1% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 8.0% | 5.6% | ↑ | Top 45% |
| EPS growth (TTM, YoY) | 26.6% | 44.2% | ↓ | Top 41% |
| Gross margin | 48.3% | 33.1% | ↑ | Bottom 21% |
| Operating margin | 12.7% | 11.1% | ↑ | Bottom 27% |
| Net margin | 10.4% | 8.9% | ↑ | — |
| Free-cash-flow margin | 33.1% | 38.5% | ↓ | — |
| Return on invested capital | 3.0% | — | Top 39% | |
| Revenue growth, 3-year CAGR | 6.6% | — | Bottom 20% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 3.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -2.5%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.3%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -6.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.95×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 5.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.15%
- Net buyback yield (TTM)
- 1.33%
- Shareholder yield
- 4.48%
- Share count change, 1 year
- -1.0%
- Share count change, 3-year CAGR
- -0.2%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 9
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +24.6%
- Average 2-day reaction, last 8
- +0.4%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $59.00
- Target vs current price
- +29.4%
- Analysts with a rating
- 9
- Share rating Buy or Strong Buy
- 44%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 5, 2026 | +48.7% | +0.3% | +0.6% | -2.4% | — |
| May 6, 2026 | +16.4% | -0.7% | -3.4% | -1.5% | +13.4% |
| Feb 3, 2026 | +2.5% | +0.1% | -5.0% | -3.2% | +2.2% |
| Nov 4, 2025 | +30.8% | +2.2% | +3.1% | +1.9% | +1.3% |
| Aug 6, 2025 | +73.8% | +0.7% | +6.0% | +9.8% | +5.4% |
| May 6, 2025 | +21.6% | -1.4% | -0.5% | +3.1% | +0.7% |
| Feb 5, 2025 | +55.8% | +1.9% | +11.4% | +9.3% | +8.6% |
| Nov 4, 2024 | +5.6% | +0.1% | +9.2% | +10.1% | +3.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 5, 2026 | $1.17 | $0.79 | +48.7% | $443.5M |
| May 6, 2026 | $1.28 | $1.10 | +16.4% | $313.0M |
| Feb 3, 2026 | $1.21 | $1.18 | +2.5% | $317.2M |
| Nov 4, 2025 | $1.36 | $1.04 | +30.8% | $417.1M |
| Aug 6, 2025 | $1.06 | $0.61 | +73.8% | $411.7M |
| May 6, 2025 | $1.07 | $0.88 | +21.6% | $416.4M |
| Feb 5, 2025 | $1.62 | $1.04 | +55.8% | $393.1M |
| Nov 4, 2024 | $0.76 | $0.72 | +5.6% | $412.1M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 10.7× | 13.3× | 6th | Top 21% |
| P/E (forward) | 9.4× | — | — | — |
| EV / EBITDA | 8.4× | — | — | Top 20% |
| EV / Sales | 1.39× | — | — | Top 17% |
| Free-cash-flow yield | 30.97% | — | — | Top 8% |
| Earnings yield | 9.39% | — | — | Top 21% |
P/E over the past five years
Range 9.8× – 33.9× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +3.1%
- Earnings per share growth (TTM)
- +26.6%
- Change in P/E multiple
- -2.6%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -3.8%
- 200-day average slope (20 days)
- +0.4%
- Distance from 50-day average
- -8.7%
- Distance from 200-day average
- -2.7%
- RSI (14)
- 34.2
- Relative volume
- 0.76×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 21.4%
- Volatility vs own 5-year history
- 31th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.31
- Correlation with S&P 500
- 0.22
- Current drawdown from 1-year high
- -15.7%
- Maximum drawdown, 3 years
- -18.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 12, 2021 | Aug 23, 2023 | -36.5% | 616 days | 448 days (Jun 6, 2025) |
| Aug 6, 2026 | Sep 30, 2026 | -17.6% | 38 days | Not yet recovered |
| Jan 20, 2021 | Feb 16, 2021 | -13.1% | 18 days | 14 days (Mar 8, 2021) |
| Sep 12, 2025 | Mar 20, 2026 | -12.8% | 130 days | 43 days (May 21, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.83B
- P/E (TTM)
- 10.7
- EPS, diluted (TTM)
- $4.28
- Revenue (TTM)
- $1.71B
- Dividend yield
- 3.14%
- 52-week range
- $41.29 – $55.56
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.25B | $1.34B | $1.43B | $1.55B | $1.62B |
| Gross profit | $409.0M | $332.5M | $356.8M | $478.4M | $572.0M |
| Operating income | $210.1M | $16.5M | $53.3M | $128.6M | $201.2M |
| Net income | $170.4M | $19.8M | $45.0M | $102.8M | $162.1M |
| EPS (diluted) | $3.39 | $0.47 | $1.09 | $2.48 | $3.90 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $397.6M | $393.1M | $400.1M | $391.6M | $417.1M | $419.2M | $429.3M | $443.5M |
| Net income | $34.3M | $38.2M | $38.2M | $29.4M | $58.3M | $36.2M | $41.2M | $41.6M |
| EPS (diluted) | $0.83 | $0.92 | $0.92 | $0.71 | $1.40 | $0.87 | $1.00 | $1.01 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $204.9M | $171.5M | $302.1M | $452.1M | $553.2M |
| Capital expenditure | $0 | $0 | $0 | $0 | $0 |
| Free cash flow | $204.9M | $171.5M | $302.1M | $452.1M | $553.2M |
| Dividends paid | -$51.4M | -$52.6M | -$53.9M | -$55.5M | -$57.1M |
| Net share buybacks | -$5.3M | -$24.0M | -$6.5M | -$3.5M | -$15.5M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $5.81B
- Total assets
- $15.60B
- Total liabilities
- $14.10B
- Total debt
- $594.2M
- Net debt
- $548.0M
- Shareholders’ equity
- $1.50B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 16, 2026 | $0.36 | Sep 30, 2026 |
| Jun 15, 2026 | $0.36 | Jun 30, 2026 |
| Mar 17, 2026 | $0.36 | Mar 31, 2026 |
| Dec 15, 2025 | $0.35 | Dec 31, 2025 |
| Sep 16, 2025 | $0.35 | Sep 30, 2025 |
| Jun 16, 2025 | $0.35 | Jun 30, 2025 |
| Mar 17, 2025 | $0.35 | Mar 31, 2025 |
| Dec 16, 2024 | $0.34 | Dec 31, 2024 |
Short interest
- Shares sold short
- 1,119,118
- Days to cover
- 3.91
- Change vs previous report
- +9.4%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Dec 16, 1997
- 2-for-1