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Horace Mann Educators Corp /De/ (HMN) AI Forecast

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Horace Mann Educators Corp /De/ (HMN) Stock Forecast 2025

Horace Mann Educators Corp /De/ (HMN) AI Stock Price Forecast & Investment Analysis

Horace Mann Educators Corp /De/ Stock Price Chart and Technical Analysis

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Horace Mann Educators Corp /De/ (HMN) - Comprehensive Stock Analysis & Investment Research

Deep dive into Horace Mann Educators Corp /De/'s business profile, financial performance, AI predictions, and competitive positioning to make informed investment decisions.

Analysis updated on March 10, 2026, 10:04 a.m. (UTC)

Horace Mann Educators Corp /De/ Investment Summary

When evaluating whether Horace Mann Educators Corp /De/ (HMN) represents a compelling investment opportunity, investors must consider multiple factors including the company's financial health, market position, growth prospects, and what our AI-powered predictive models suggest about its near-term price trajectory.

Company Profile

Horace Mann Educators Corp /De/ (HMN) operates within the Finance sector, specifically in the Fire, Marine & Casualty Insurance industry. The company employs approximately 2,372 people. With a market capitalization of $2 billion, the company is a small-cap stock that may offer higher growth potential but also carries higher volatility.

Financial Performance Analysis

Our comprehensive financial analysis covers Horace Mann Educators Corp /De/'s revenue, profitability metrics, balance sheet strength, and cash flow generation...

AI Price Predictions

Get AI-powered 7-day, 30-day and 90-day price forecasts for Horace Mann Educators Corp /De/ along with confidence scores and detailed analysis...

Investment Considerations

Expert analysis of whether Horace Mann Educators Corp /De/ is suitable for your investment objectives, risk tolerance, and time horizon...

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Corporate Identity

Horace Mann Educators Corp /De/ (Stock Symbol: HMN) is a prominent company operating within the Finance sector, with a specific focus on the Fire, Marine & Casualty Insurance industry. The company's shares are publicly traded on the NYSE exchange.

Leadership & Workforce

Detailed information about Horace Mann Educators Corp /De/'s leadership team, workforce size, and organizational structure...

Market Classification

Market capitalization analysis and stock classification (mega-cap, large-cap, mid-cap, small-cap) for Horace Mann Educators Corp /De/...

Sector & Industry Analysis

In-depth sector dynamics and industry context for Horace Mann Educators Corp /De/...

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Revenue & Growth Analysis

Horace Mann Educators Corp /De/ generates annual revenues of $2 billion , indicating a well-established business with proven market demand.

Profitability Metrics

Net profit margin, gross margin, and operating margin analysis for Horace Mann Educators Corp /De/...

Market Valuation

P/E ratio, price-to-book, and valuation multiples for Horace Mann Educators Corp /De/...

Return Metrics

Return on equity (ROE), return on assets (ROA), and capital efficiency for Horace Mann Educators Corp /De/...

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Strategic Market Position

Horace Mann Educators Corp /De/ strategically competes in the highly dynamic Fire, Marine & Casualty Insurance marketplace. As a small-cap company, it represents an emerging market participant with potentially significant growth opportunities. Small-caps often offer greater growth potential as they capture market share and scale their operations, though this comes with higher risk and volatility. Success at this stage can lead to substantial returns for early investors who identify winning business models.

Industry Competitive Landscape

Horace Mann Educators Corp /De/ competes within the Finance sector, navigating the competitive dynamics and market forces specific to this industry. The company's competitive position depends on its ability to differentiate through product quality, cost efficiency, customer relationships, or other strategic advantages relevant to its specific market segment.

Operational Efficiency

The company shows positive operational efficiency through free cash flow generation of $158 million annually , with year-over-year cash flow growth of 103.6%. Positive free cash flow indicates the business generates more cash than required for operations and capital investments, providing resources for growth initiatives or shareholder returns.

Asset Utilization Efficiency

Asset turnover ratio of 0.09x indicates lower asset turnover that may reflect the industry's capital-intensive nature or potentially underutilized assets. Companies with low turnover typically depend on strong margins to generate adequate returns on capital.

Financial Strength & Leverage

Horace Mann Educators Corp /De/ (HMN) Fundamental Analysis & Insider Trading Data (Quarterly Financial Reports)

Comprehensive quarterly financial data, earnings trends, insider transactions, and institutional holdings for Horace Mann Educators Corp /De/ stock analysis.

Deep dive into Horace Mann Educators Corp /De/'s financial health, valuation metrics, and operational efficiency to make informed investment decisions.

Understanding Valuation Metrics

What these metrics mean: Valuation metrics help determine if Horace Mann Educators Corp /De/ stock is fairly priced compared to its earnings, assets, and market position.

How to read them: Lower P/E ratios may indicate undervalued stocks, while higher ratios suggest growth expectations. P/B ratio compares market value to book value.

For Horace Mann Educators Corp /De/: With a P/E ratio of 10.71, the market sees the stock as potentially undervalued.

P/E Ratio 10.71x
P/B Ratio 1.17x
Market Cap $1.74B
Dividend Yield 9.97%
EPS $3.39
Book Value/Share $36.00
Revenue/Share $41.30
FCF/Share $4.48
Understanding Profitability Metrics

What these metrics mean: These ratios measure how efficiently Horace Mann Educators Corp /De/ converts revenue into profit and generates returns for shareholders.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For Horace Mann Educators Corp /De/: An ROE of 7.3% indicates room for improvement in shareholder value creation.

ROE 7.3%
ROA 0.8%
Net Margin 6.6%
EBT Margin 11.3%
Tax Rate 18.3%
Understanding Financial Health Metrics

What these metrics mean: These ratios assess Horace Mann Educators Corp /De/'s ability to meet short-term obligations and manage debt levels effectively.

How to read them: Current ratio >2 is generally good, Quick ratio >1 shows strong liquidity. Lower D/E ratios indicate conservative debt management.

For Horace Mann Educators Corp /De/:

D/E Ratio 0.17x
Financial Leverage 9.39x
Interest Coverage 1.9x
Understanding Cash Flow Metrics

What these metrics mean: Cash flow metrics reveal Horace Mann Educators Corp /De/'s ability to generate cash from operations and fund growth initiatives.

How to read them: Positive operating cash flow is crucial. Free cash flow shows money available for dividends, buybacks, or investments.

For Horace Mann Educators Corp /De/: Free cash flow of $158M provides flexibility for shareholder returns and growth investments.

Operating Cash Flow $158M
Free Cash Flow $158M
OCF Growth YoY 103.6%
FCF Growth YoY 103.6%
FCF/Sales 12.5%
Understanding Operational Efficiency Metrics

What these metrics mean: These ratios measure how effectively Horace Mann Educators Corp /De/ uses its assets and manages working capital.

How to read them: Higher turnover ratios indicate efficient asset utilization. Shorter collection periods show effective credit management.

For Horace Mann Educators Corp /De/: An asset turnover of 0.09x suggests room for improvement in asset utilization.

Asset Turnover 0.09x
Fixed Assets Turnover 19.1x
Understanding Financial Statement Data

What these metrics mean: Key figures from Horace Mann Educators Corp /De/'s income statement and balance sheet showing absolute financial performance.

How to read them: Revenue shows business scale, while margins indicate profitability. Balance sheet items reveal financial structure.

For Horace Mann Educators Corp /De/: With annual revenue of $1701M, Horace Mann Educators Corp /De/ operates at significant scale.

Income Statement
Total Revenue $1.70B
SG&A Expense $14M
Balance Sheet Highlights (% Of Assets)
Cash & Short-term Investments 44%
Total Liabilities 89%
Short-term Debt 2%
Accounts Receivable 4%
Dividend & Shareholder Information
Dividends Per Share $1.37
Payout Ratio 1.2%
Shares Outstanding 41M
Growth Metrics (YoY)
EPS Growth 6.2%

Latest Horace Mann Educators Corp /De/ Stock News & Market Analysis

Breaking news, analyst reports, and market updates affecting Horace Mann Educators Corp /De/ (HMN) stock price and investment outlook.

source: Wall Street Journal

1 Day HMN -0.81% DJIA 0.25% S&P Mid Cap 400 0.20% Financial Services -1.03% ...

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Horace Mann Educators Corp /De/ Competitors & Peer Analysis - Finance Sector

Comparative analysis of Horace Mann Educators Corp /De/ against industry peers and competitors in the Finance sector, featuring AI-powered forecasts and key financial metrics.

Company Ticker Symbol 90-Day AI Forecast Market Cap (USD M) P/E Ratio P/B Ratio
Arch Capital Group Ltd. ACGL ██% $34.33B 7.8x 1.4x
Arch Capital Group Ltd. ACGLN ██% $6.74B 2.1x 0.3x
Arch Capital Group Ltd. ACGLO ██% $8.02B 2.5x 0.3x
American Coastal Insurance Corp ACIC ██% $567M 6.7x 1.7x
American Financial Group Inc AFG ██% $10.78B 12.8x 2.2x
American Financial Group Inc AFGB ██% $1.84B 2.3x 0.4x
American Financial Group Inc AFGC ██% $1.61B 2.0x 0.3x
American Financial Group Inc AFGD ██% $1.78B 2.2x 0.4x
American Financial Group Inc AFGE ██% $1.45B 1.8x 0.3x
Aspen Insurance Holdings Ltd AHL ██% $3.44B x 1.0x
Aspen Insurance Holdings Ltd AHL-PD ██% $1.21B x 0.4x
Aspen Insurance Holdings Ltd AHL-PE ██% $1.21B x 0.4x
Aspen Insurance Holdings Ltd AHL-PF ██% $1.49B x 0.4x
American International Group, Inc. AIG ██% $41.78B 13.5x 1.0x
American Integrity Insurance Group, Inc. AII ██% $382M 3.8x 1.1x
Allstate Corp ALL ██% $54.00B 5.3x 1.8x
Allstate Corp ALL-PB ██% $6.86B 0.8x 0.3x
Allstate Corp ALL-PH ██% $5.73B 0.7x 0.2x
Allstate Corp ALL-PI ██% $5.27B 0.6x 0.2x
Allstate Corp ALL-PJ ██% $6.94B 0.8x 0.3x
Amerisafe Inc AMSF ██% $631M 13.4x 2.5x
Ategrity Specialty Insurance Co Holdings ASIC ██% $973M 20.3x 1.6x
Axis Capital Holdings Ltd AXS ██% $7.64B 7.6x 1.2x
Axis Capital Holdings Ltd AXS-PE ██% $1.58B 1.6x 0.3x
Bowhead Specialty Holdings Inc. BOW ██% $803M 15.3x 1.9x
Berkshire Hathaway Inc BRK-B ██% $1.07T 16.0x 4.3x
Chubb Ltd CB ██% $126.87B 12.3x 1.7x
Cincinnati Financial Corp CINF ██% $25.49B 10.7x 1.6x
Cna Financial Corp CNA ██% $12.87B 10.1x 1.1x
Presurance Holdings, Inc. CNFR ██% $14M 0.6x 0.5x
Presurance Holdings, Inc. CNFRZ ██% $269M 7.9x 9.5x
Everest Group, Ltd. EG ██% $13.25B 8.3x 0.9x
Employers Holdings, Inc. EIG ██% $808M 74.8x 0.8x
Fidelis Insurance Holdings Ltd FIHL ██% $1.81B 8.0x 0.8x
Fairfax Financial Holdings Ltd/ Can FRFHF ██% $37.83B x x
Global Indemnity Group, Llc GBLI ██% $415M 14.9x 0.6x
Greenlight Capital Re, Ltd. GLRE ██% $481M 6.4x 0.7x
Hci Group, Inc. HCI ██% $2.13B 7.1x 2.0x
Hci Group, Inc. HCIIP ██% $131M 0.6x 0.2x
Hamilton Insurance Group, Ltd. HG ██% $2.79B 3.3x 1.0x
Hartford Insurance Group, Inc. HIG ██% $38.96B 10.2x 2.1x
Hippo Holdings Inc. HIPO ██% $675M 11.7x 1.6x
Horace Mann Educators Corp /De/ HMN ██% $1.74B 10.7x 1.2x
Heritage Insurance Holdings, Inc. HRTG ██% $862M 5.8x 2.0x
James River Group Holdings, Inc. JRVR ██% $293M 6.2x 0.5x
Kingsway Financial Services Inc KFS ██% $329M -29.1x 19.8x
Kestrel Group Ltd KG ██% $121M x 0.8x
Kingstone Companies, Inc. KINS ██% $220M 7.0x 2.1x
Kemper Corp KMPB ██% $1.43B 5.7x 0.5x
Kemper Corp KMPR ██% $1.36B 9.5x 0.5x
Kinsale Capital Group, Inc. KNSL ██% $8.61B 17.1x 4.4x
Loews Corp L ██% $23.44B 14.1x 1.3x
Lemonade, Inc. LMND ██% $4.18B -13.8x 7.8x
Mercury General Corp MCY ██% $5.07B 9.4x 2.2x
Maiden Holdings, Ltd. MHLA ██% $1.06B -44.3x 28.3x
Maiden Holdings, Ltd. MHNC ██% $1.55B -44.4x 41.1x
Markel Group Inc. MKL ██% $25.00B 11.9x 1.3x
Ni Holdings, Inc. NODK ██% $269M 106.0x 1.1x
Oxbridge Re Holdings Ltd OXBR ██% $7M -10.3x 1.3x
Progressive Corp/Oh/ PGR ██% $123.73B 10.9x 4.1x
Palomar Holdings, Inc. PLMR ██% $3.38B 17.1x 3.6x
Proassurance Corp PRA ██% $1.26B 24.8x 0.9x
Rli Corp RLI ██% $5.67B 14.1x 3.2x
Renaissancere Holdings Ltd RNR ██% $13.26B 4.9x 1.1x
Renaissancere Holdings Ltd RNR-PF ██% $1.05B 0.6x 0.1x
Renaissancere Holdings Ltd RNR-PG ██% $751M 0.4x 0.1x
Root, Inc. ROOT ██% $739M 18.3x 2.6x
Safety Insurance Group Inc SAFT ██% $1.10B 11.1x 1.2x
Selective Insurance Group Inc SIGI ██% $5.03B 10.8x 1.4x
Selective Insurance Group Inc SIGIP ██% $1.05B 2.6x 0.3x
Skyward Specialty Insurance Group, Inc. SKWD ██% $1.97B 11.6x 2.0x
Slide Insurance Holdings, Inc. SLDE ██% $2.29B 8.1x 2.1x
Siriuspoint Ltd SPNT ██% $2.45B 5.3x 1.0x
Siriuspoint Ltd SPNT-PB ██% $2.96B 15.0x 1.3x
Hanover Insurance Group, Inc. THG ██% $6.36B 9.6x 1.8x
Tiptree Inc. TIPT ██% $643M 12.7x 1.3x
Travelers Companies, Inc. TRV ██% $66.62B 10.6x 2.0x
United Fire Group Inc UFCS ██% $964M 8.2x 1.0x
Universal Insurance Holdings, Inc. UVE ██% $1.01B 5.5x 1.8x
Berkley W R Corp WRB ██% $26.37B 14.8x 2.7x
Berkley W R Corp WRB-PE ██% $8.67B 4.6x 0.9x
White Mountains Insurance Group Ltd WTM ██% $5.37B 4.9x 1.0x
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Frequently Asked Questions - Horace Mann Educators Corp /De/ Stock Forecast

How accurate are Horace Mann Educators Corp /De/ stock predictions?

Our AI model shows a -3% Spearman correlation coefficient for HMN predictions, based on advanced machine learning algorithms trained on over 10 years of market data. This measures the strength of the monotonic relationship between predicted and actual price movements.

What factors influence Horace Mann Educators Corp /De/ stock price forecasts?

Our analysis considers Horace Mann Educators Corp /De/'s financial metrics, Finance sector trends, market sentiment, technical indicators, earnings data, and macroeconomic factors affecting stock performance.

Is Horace Mann Educators Corp /De/ a good investment in 2025?

Based on our AI analysis, Horace Mann Educators Corp /De/ shows potential for various market scenarios. Consider your risk tolerance, investment timeline, and portfolio diversification before making investment decisions.

How often are Horace Mann Educators Corp /De/ forecasts updated?

Horace Mann Educators Corp /De/ stock forecasts are updated daily using real-time market data, ensuring you receive the most current AI-powered predictions and investment insights.

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