Horace Mann Educators Corporation
HMN | NYSE
$48.44
+$0.06 (+0.12%)
Sep 21, 2026, 12:36 PM ET · Market open
Market Data
Market Cap $1.95B
Enterprise Value $-3.27B
Beta 0.09
Average Volume 253.34K
Shares Outstanding (Diluted) 41.2M
Shares Change YoY -0.96%
Institutional Ownership 99.75%
Exchange NYSE
ISIN US4403271046
Price Performance
Price Change 1M -6.4%
Price Change 3M -1.3%
Price Change 6M 14.6%
Price Change YTD 7.1%
Price Change 1Y 4.4%
Price Change 3Y 62.7%
Price Change 5Y 22.1%
1M CAGR (ann.) -10.0%
1Y CAGR (ann.) 9.0%
5Y CAGR (ann.) 7.8%
All-Time CAGR 7.8%
Valuation
PE Ratio 11.30
Forward PE 8.82
PEG Ratio 0.41
Forward PEG 1.05
PS Ratio 1.14
Forward PS 1.50
PB Ratio 1.30
P/FCF Ratio 3.45
P/Adj. FCF Ratio 3.48
P/OCF Ratio 3.50
EV/Sales -1.91
EV/EBIT -16.68
EV/EBITDA -15.12
EV/FCF -5.77
Earnings Yield 8.8%
FCF Yield 29.0%
Adj. FCF Yield 28.7%
Financial Health
Net Cash $5.22B
Total Debt $594.2M
Cash & Short-Term Investments $5.81B
Total Assets $15.6B
Current Ratio 0.00
Quick Ratio 0.00
Debt / Equity Ratio 0.40
Debt / EBITDA 2.75
Debt / FCF 1.05
OCF / Debt 0.95
Interest Coverage 5.69
Altman Z-Score 0.83
Piotroski F-Score 7
Margins & Profitability
Gross Profit Margin 48.3%
Operating Profit Margin 29.4%
EBITDA Margin 16.5%
Net Profit Margin 10.4%
FCF Margin 33.1%
Adj. FCF Margin 32.8%
SBC / Revenue 0.3%
SBC Impact (per share) -0.9%
Returns
Return on Assets 1.1%
Return on Equity 12.0%
Return on Invested Capital 3.0%
Return on Capital Employed 1.4%
Return on Tangible Assets 1.1%
Historical Growth (CAGR)
Revenue CAGR 3Y 7.8%
Revenue CAGR 5Y 5.3%
Revenue CAGR 10Y 4.5%
EPS CAGR 3Y 36.2%
EPS CAGR 5Y 0.8%
EPS CAGR 10Y 8.3%
FCF CAGR 3Y 32.1%
FCF CAGR 5Y 21.8%
FCF CAGR 10Y 4.0%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 9
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date N/A
EPS Estimate (next Q) N/A
EPS Growth Est (next Q) N/A
Revenue Est (next Q) N/A
Revenue Growth Est (next Q) N/A
Fair Value Estimates
Graham Number $59.49
Graham Upside 23.0%
Lynch Fair Value $21.40
Lynch Upside -55.8%
Price Target $59
Price Target Upside 22.0%
Cash Flow
Operating Cash Flow $566.1M
Free Cash Flow $566.1M
Adj. Free Cash Flow $561.1M
FCF Per Share $13.84
OCF Per Share $13.84
OCF/S Ratio 33.1%
Income Statement
Revenue $1.71B
Gross Profit $1.01B
Operating Income $502.4M
EBITDA $216M
Net Income $177.3M
EPS (Diluted) $4.28
Revenue / Employee $949.5K
Profit / Employee $98.5K
Employees 1,800
Dividends
Annual Dividend $1.43
Dividend Yield 2.96%
Payout Ratio 33.4%
FCF Payout Ratio 10.2%
Adj. FCF Payout Ratio 10.3%
Dividend Growth (YoY) 2.9%
Pay Frequency Quarterly
Ex-Dividend Date Sep 15, 2026
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