Stocktoria
HORACE MANN EDUCATORS CORP /DE/ HMN
HORACE MANN EDUCATORS CORP /DE/ (HMN) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 2.74% (safety: safe). FY2025 revenue was $1.7B at a 9.5% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| HMN | HORACE MANN EDUCATORS CORP /DE/ | 5/9 | — | 12.9 | +6.7% |
| UVE | UNIVERSAL INSURANCE HOLDINGS, INC. | 7/9 | — | 5.8 | +5.5% |
| KNSL | Kinsale Capital Group, Inc. | 5/9 | — | 15 | +18% |
| RLI | RLI CORP | 5/9 | — | 13.1 | +6.3% |
| ROOT | Root, Inc. | 6/9 | — | 21.9 | +29% |
| SKWD | Skyward Specialty Insurance Group, Inc. | 4/9 | — | 14.1 | +23.2% |
| UFCS | UNITED FIRE GROUP INC | 5/9 | — | 11.2 | +10.6% |
All Finance, Insurance & Real Estate companies →
About HORACE MANN EDUCATORS CORP /DE/
Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. It operates through three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits segments. The Property & Casualty segment offers insurance products, including private passenger auto insurance, residential home insurance, and personal umbrella insurance; standard auto coverage including liability, collision, and comprehensive; property coverage for homeowners and renters. The Life & Retirement segment sells tax-qualified fixed, fixed indexed, and variable annuities; the Horace Mann Retirement Advantage open architecture platform and other defined contribution plans; traditional term, whole life insurance products, and indexed universal life (IUL) products. This segment also offers Life by Design, a portfolio of individual whole life and individual term insurance products that address the financial planning needs of educators; Life Select, a combination product that mixes a base of either traditional whole life, 20-pay life, or life paid-up at age 65 with a variety of term riders; single premium whole life products; and cash value term. The Supplemental & Group Benefits segment offers employer-sponsored products, including accident, critical illness, limited-benefit fixed indemnity insurance, term life, and short-term and long-term disability, as well as worksite direct products, such as supplemental heart, cancer, disability, and accident coverages. The company offers individual protection and savings solutions, including auto insurance, property insurance, liability insurance, 403(b) retirement plans, mutual funds, life insurance, student loan solutions, credit monitoring, and financial wellness workshops. It distributes its products and services through agents, brokers, benefit specialists, direct and digital channels. The company was founded in 1945 and is headquartered in Springfield, Illinois.
FAQ
Is HMN financially healthy?
HORACE MANN EDUCATORS CORP /DE/'s Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does HMN pay a dividend, and is it safe?
Yes. HORACE MANN EDUCATORS CORP /DE/ pays a dividend yielding about 2.74% with a 35.2% payout ratio, rated “safe” for safety.
How profitable is HMN?
In FY2025, HORACE MANN EDUCATORS CORP /DE/ had a net margin of 9.5% and a return on equity of 10.9%.
Is HMN overvalued or undervalued?
HORACE MANN EDUCATORS CORP /DE/ trades at about 13.2× trailing earnings — below its 10-year norm (10-year range 9.4×–94.7×, median 15.6×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for HMN?
The average Wall-Street price target for HORACE MANN EDUCATORS CORP /DE/ is $52.00, about 0.9% above the recent price, from 2 analysts.
Is HMN a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on HORACE MANN EDUCATORS CORP /DE/: a Piotroski F-score of 5/9, a P/E of about 12.9×, a dividend yield of 2.74%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.