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Horace Mann Educators Corporation HMN

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Price alert · HMN

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46.72 USD +0.10 +0.21%

At close · Oct 30

46.72 0.00 0.00%

After hours · Oct 30, 4:25 PM ET

Bid
46.48 × 100
Ask
46.81 × 300
46.55 Day range 46.80
41.49 52-week range 54.12
YTD
+1.17%
1 year
+4.85%
Open
47.19
Prev close
46.62
Mkt cap
1.89B
Vol
298.39K
Avg vol
287.01K
EPS
4.28
P/E
10.92
Div yield
3.09%
More statistics
Low
46.55
High
46.80
Forward P/E
8.70
Beta
0.10
Short ratio
2.92
Inst. own
106.25%
Dividend
1.44
Ex-div date
Sep 15, 2026
Earnings
Nov 3, 2026
50-d avg
47.81
200-d avg
46.87
1y target
56.50

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Financial health

Altman Z-Score

0.84 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 3
  • P/B 2

Valuation

P/E 11.8×
FY 2016: 20.6×FY 2017: 10.6×FY 2018: 83.2×FY 2019: 9.8×FY 2020: 13.1×FY 2021: 11.2×FY 2022: 77.9×FY 2023: 30.0×FY 2024: 15.8×FY 2025: 11.8×
FY 2016 5y median 15.8× FY 2025
P/S 1.2×
FY 2016: 1.5×FY 2017: 1.5×FY 2018: 1.3×FY 2019: 1.3×FY 2020: 1.4×FY 2021: 1.3×FY 2022: 1.2×FY 2023: 0.9×FY 2024: 1.0×FY 2025: 1.2×
FY 2016 5y median 1.2× FY 2025
P/B 1.3×
FY 2016: 1.3×FY 2017: 1.2×FY 2018: 1.2×FY 2019: 1.1×FY 2020: 1.0×FY 2021: 0.9×FY 2022: 1.4×FY 2023: 1.1×FY 2024: 1.3×FY 2025: 1.3×
FY 2016 5y median 1.3× FY 2025
P/FCF 3.5×
FY 2016: 8.3×FY 2017: 7.0×FY 2018: 7.6×FY 2019: 14.1×FY 2020: 6.7×FY 2021: 7.8×FY 2022: 9.1×FY 2023: 4.5×FY 2024: 3.6×FY 2025: 3.5×
FY 2016 5y median 4.5× FY 2025
EV/EBITDA 9.4×
FY 2016: 14.7×FY 2017: 19.4×FY 2018: 45.6×FY 2019: 8.3×FY 2020: 10.9×FY 2021: 8.1×FY 2022: 31.7×FY 2023: 17.1×FY 2024: 11.3×FY 2025: 9.4×
FY 2016 5y median 11.3× FY 2025
EV/Sales 1.5×
FY 2016: 1.7×FY 2017: 1.8×FY 2018: 1.5×FY 2019: 1.6×FY 2020: 1.7×FY 2021: 1.6×FY 2022: 1.5×FY 2023: 1.3×FY 2024: 1.4×FY 2025: 1.5×
FY 2016 5y median 1.5× FY 2025
FCF Yield 28.8%
FY 2016: 12.0%FY 2017: 14.3%FY 2018: 13.1%FY 2019: 7.1%FY 2020: 14.9%FY 2021: 12.8%FY 2022: 11.0%FY 2023: 22.4%FY 2024: 27.9%FY 2025: 28.8%
FY 2016 5y median 22.4% FY 2025

Profitability

Gross Margin 35.2%
FY 2016: 26.5%FY 2017: 24.6%FY 2018: 18.9%FY 2019: 35.4%FY 2020: 32.3%FY 2021: 32.7%FY 2022: 24.8%FY 2023: 24.9%FY 2024: 30.9%FY 2025: 35.2%
FY 2016 5y median 30.9% FY 2025
Operating Margin 12.4%
FY 2016: 10.1%FY 2017: 7.6%FY 2018: 1.7%FY 2019: 16.8%FY 2020: 12.4%FY 2021: 16.8%FY 2022: 1.2%FY 2023: 3.7%FY 2024: 8.3%FY 2025: 12.4%
FY 2016 5y median 8.3% FY 2025
Net Margin 10.0%
FY 2016: 7.4%FY 2017: 14.5%FY 2018: 1.6%FY 2019: 13.1%FY 2020: 10.3%FY 2021: 13.6%FY 2022: 1.5%FY 2023: 3.1%FY 2024: 6.6%FY 2025: 10.0%
FY 2016 5y median 6.6% FY 2025
ROE 10.9%
FY 2016: 6.5%FY 2017: 11.3%FY 2018: 1.4%FY 2019: 11.8%FY 2020: 7.4%FY 2021: 9.4%FY 2022: 1.8%FY 2023: 3.8%FY 2024: 8.0%FY 2025: 10.9%
FY 2016 5y median 8.0% FY 2025
ROIC 1.1%
FY 2016: 0.8%FY 2017: 0.8%FY 2018: 0.2%FY 2019: 136.6%FY 2020: 98.7%FY 2021: 0.8%FY 2022: 6.6%FY 2023: 0.0%FY 2024: 0.7%FY 2025: 1.1%
FY 2016 5y median 0.8% FY 2025
ROA 1.1%
FY 2016: 0.8%FY 2017: 1.5%FY 2018: 0.2%FY 2019: 1.5%FY 2020: 1.0%FY 2021: 1.2%FY 2022: 0.1%FY 2023: 0.3%FY 2024: 0.7%FY 2025: 1.1%
FY 2016 5y median 0.7% FY 2025

Growth (YoY)

Revenue 4.8%
FY 2016: 4.5%FY 2017: 3.8%FY 2018: 0.4%FY 2019: 19.4%FY 2020: -8.2%FY 2021: -3.0%FY 2022: 7.3%FY 2023: 6.8%FY 2024: 8.2%FY 2025: 4.8%
FY 2016 FY 2025
Operating Income 56.5%
FY 2016: -11.8%FY 2017: -22.4%FY 2018: -78.0%FY 2019: 1110.0%FY 2020: -32.5%FY 2021: 31.6%FY 2022: -92.1%FY 2023: 223.0%FY 2024: 141.3%FY 2025: 56.5%
FY 2016 FY 2025
EPS (diluted) 57.3%
FY 2016: -8.2%FY 2017: 102.0%FY 2018: -89.2%FY 2019: 900.0%FY 2020: -26.8%FY 2021: 5.3%FY 2022: -86.1%FY 2023: 131.9%FY 2024: 127.5%FY 2025: 57.3%
FY 2016 FY 2025
Free Cash Flow 22.4%
FY 2016: 408.4%FY 2017: 23.7%FY 2018: -21.7%FY 2019: -36.5%FY 2020: 103.6%FY 2021: -21.1%FY 2022: -16.3%FY 2023: 76.2%FY 2024: 49.7%FY 2025: 22.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 27.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 0.0×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 27.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Debt / Equity 0.4×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.5×FY 2023: 0.5×FY 2024: 0.4×FY 2025: 0.4×
FY 2016 5y median 0.4× FY 2025
Net Debt / EBITDA 2.1×
FY 2016: 1.7×FY 2017: 2.7×FY 2018: 7.2×FY 2019: 1.5×FY 2020: 2.1×FY 2021: 1.5×FY 2022: 7.2×FY 2023: 4.7×FY 2024: 2.7×FY 2025: 2.1×
FY 2016 5y median 2.7× FY 2025
Interest Coverage 5.5×
FY 2016: 9.7×FY 2017: 7.4×FY 2018: 1.5×FY 2019: 15.2×FY 2020: 10.5×FY 2021: 15.1×FY 2022: 0.9×FY 2023: 1.8×FY 2024: 3.7×FY 2025: 5.5×
FY 2016 5y median 3.7× FY 2025

Dividends

Dividend Yield 3.0%
FY 2016: 2.6%FY 2017: 2.6%FY 2018: 3.0%FY 2019: 2.6%FY 2020: 2.9%FY 2021: 3.2%FY 2022: 3.4%FY 2023: 4.0%FY 2024: 3.4%FY 2025: 3.0%
FY 2016 5y median 3.4% FY 2025
Payout Ratio 35.2%
FY 2016: 52.9%FY 2017: 27.2%FY 2018: 254.5%FY 2019: 25.7%FY 2020: 37.2%FY 2021: 30.2%FY 2022: 265.7%FY 2023: 119.8%FY 2024: 54.0%FY 2025: 35.2%
FY 2016 5y median 54.0% FY 2025

Annual · latest fiscal year ends 2025-12-31