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Horace Mann Educators Corp

Horace Mann Educators Corp

HMN
$52.61USD↑+0.96%+0.50 today

MARKET CAP

2.1B

P/E (TTM)

10.7x

FWD P/E

11.6x

DAY RANGE

$51 – $53

52W RANGE

$41
$56

AI Summary

Stalk
Buy NowMedium

HMN remains in a Stage 2 advancing regime with clear higher-highs and higher-lows. The recent pullback into the rising 9/21 EMA zone and 50 DMA held support, and price has reclaimed and tracked above the EMAs. Medium-term permission is bullish under Stage 2, and short-term conditions now favor immediate bullish engagement. A buy into the 9/21 EMA support zone for continuation participation is recommended.

  • ↑Q1 core EPS $1.28 (+20% YoY); life sales +17%, group benefits tripled
  • ↑Q1 revenue $429.3 M (+6% YoY) with P&C combined ratio improved to 83.3
  • ↓Negative Growth and Revisions trends point to revenue/profit stagnation
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

Horace Mann Educators Corporation (NYSE: HMN) is a leading provider of insurance and financial solutions dedicated primarily to the education sector. Specializing in multiple lines including property and casualty (P&C), life, and retirement services, Horace Mann continues to capitalize on its strong relationships with educators and a diversified business model, positioning itself favorably within the insurance landscape as educational institutions increasingly seek tailored financial products.

Bull says

  • ↑Q1 core EPS $1.28 (+20% YoY); life sales +17%, group benefits tripled
  • ↑Q1 revenue $429.3 M (+6% YoY) with P&C combined ratio improved to 83.3
  • ↑Raised dividend 3% and repurchased $18 M; current yield 0.32%
  • ↑Strong educator-focused moat enhanced by Disney partnership and disciplined underwriting
  • ↑Positive technical momentum: stock hit all-time high $54.25
  • ↑High earnings yield and low volatility suggest attractive risk-adjusted value

Bear says

  • ↓Negative Growth and Revisions trends point to revenue/profit stagnation
  • ↓Low institutional ownership (-0.90 13F) and high short interest suggest market doubts
  • ↓Aggressive P&C competition may compress underwriting margins
  • ↓Regulatory complexity in California could hamper auto-line expansion
  • ↓Analyst targets $51–$53 imply limited upside and value-trap potential
  • ↓Negative Size factor and high volatility risk heighten downside exposure

Investment themes with HMN

High Dividend Yield↑ +0.32%

Companies paying above-average dividends

AVGO · JPM · XOM
L&H Insurance↑ +0.32%

PGR · TRV · ALL

Earnings Call · Q1 2026 · Mgmt. Guidance

Updated 05-07-2026bullish

Transcript signals

Bull points

  • Yesterday, Horseman reported record first quarter core earnings per share of $1.28, 20% above the record level of the first quarter earnings we reported last year.
  • Insurance and fee-based revenue increased 6% year over year, reflecting growth across our businesses.
  • Life sales were up 17%.

Bear points

  • We're not immune to the competitive environment that's out there, but we are insulated somewhat by our strategy.
Read full transcript analysis ›