HMN
HORACE MANN EDUCATORS CORP /DE/
Next earnings Aug 4, 2026 · consensus $0.70 EPS, $448M rev
Last earnings -0.7% on 2026-05-06
$51.60
▲ +1.84%$51.60▲ +23.26%
over 1Y
L $38.94EODHDH $51.60
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+1.8%
1W+5.2%
1M+11.1%
3M+22.9%
YTD+16.0%
1Y+23.3%
Hold
Conviction
Horizon
Medium (3–12mo)
Street · 7 analysts
Buy
Revenue grew 6.7% YoY.
Revenue (FY2025) $1.70B · FY2025
The read
Middling fundamentals offset by an attractive price (~187% below fair value) — worth a look on the value angle.
HORACE MANN EDUCATORS CORP /DE/ shows $1.70B in FY2025 revenue (+6.7% YoY), a 9.5% net margin, and 10.9% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $1.33B | $1.38B | $1.49B | $1.60B | $1.70B |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $170M | $19.8M | $45.0M | $103M | $162M |
| Diluted EPS | $4.04 | $0.47 | $1.09 | $2.48 | $3.90 |
| Net margin | 12.8% | 1.4% | 3.0% | 6.4% | 9.5% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF—
PEG (trailing)0.23
Earnings yield7.8%
FCF yield—
Quality & risk
ROIC (est.)—
Free cash flow—
Total debt$593M
Net cash-$566M
Piotroski F-Score6/7
Capital returns
Buyback yield0.1%
Dividend yield (est.)2.7%
Shareholder yield2.8%
Shares Δ YoY-1.0%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗4Period ending 2026-06-242026-06-26open ↗4Period ending 2026-06-022026-06-04open ↗144Filing2026-06-02open ↗4Period ending 2026-05-202026-05-22open ↗4Period ending 2026-05-202026-05-22open ↗4Period ending 2026-05-202026-05-22open ↗4Period ending 2026-05-202026-05-22open ↗4Period ending 2026-05-202026-05-22open ↗4Period ending 2026-05-202026-05-22open ↗4Period ending 2026-05-202026-05-22open ↗4Period ending 2026-05-202026-05-22open ↗4Period ending 2026-05-192026-05-21open ↗
Frequently asked
- Is HORACE MANN EDUCATORS CORP /DE/ (HMN) a buy?
- HMN currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Revenue grew 6.7% YoY.
- What is HMN's fair value?
- A Modified-Graham model based on HMN's SEC fundamentals estimates a fair value of about $148.20. It is an estimate from reported earnings, not a price target.
- Is HMN overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, HMN currently appears undervalued relative to its SEC-grounded earnings power.
- What is HORACE MANN EDUCATORS CORP /DE/'s quality score?
- HMN scores 77.67647058823529/100 (grade B+) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000850141, latest 10-Q filed 2026-05-08) · EODHD · as of 6/26/2026, 7:31:59 PM.
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