Horace Mann Educators Corporation (HMN)

Official site

FINANCIAL SERVICES • INSURANCE - PROPERTY & CASUALTY • NYSE

$53.27

+0.10 (+0.19%)

Market Cap: $2.15B

Last updated: Nov 06, 2026 at 4:01 PM ET

Earnings

Performance (10Y)

Beat Rate

70%(28/40)

Avg Surprise

+18.36%

Streak

10 Q

Upcoming Estimates

Period ending Dec 31, 2026

EPS Consensus$1.92

Range$1.81 - $2.04

3 analysts

Revenue Consensus

$433M

Range$433M - $433M

1 analysts

Last 12 of 40 reported quarters and 1 upcoming estimate

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Dec 31, 2026Dec 26EST	-	$1.92	$1.81 - $2.04	-	-	3	-	-
Sep 30, 2026Sep 26 Reported Nov 3, 2026Reported Nov 3	$2.06	$0.99	$0.99 - $1.22	+108.08%	Beat	3	0 1 30d	+51.5%
Jun 30, 2026Jun 26 Reported Aug 5, 2026Reported Aug 5	$1.17	$0.67	$0.67 - $0.79	+74.63%	Beat	2	0 1 30d	+10.4%
Mar 31, 2026Mar 26 Reported May 6, 2026Reported May 6	$1.28	$1.10	$1.08 - $1.12	+16.36%	Beat	3	No revisions (30d)	+19.6%
Dec 31, 2025Dec 25 Reported Feb 3, 2026Reported Feb 3	$1.21	$1.18	$1.14 - $1.22	+2.54%	Beat	4	2 0 30d	-25.3%
Sep 30, 2025Sep 25 Reported Nov 4, 2025Reported Nov 4	$1.36	$1.11	$0.94 - $1.21	+22.52%	Beat	4	3 0 30d	+78.9%
Jun 30, 2025Jun 25 Reported Aug 6, 2025Reported Aug 6	$1.06	$0.60	$0.54 - $0.62	+76.67%	Beat	4	1 1 30d	+430.0%
Mar 31, 2025Mar 25 Reported May 6, 2025Reported May 6	$1.07	$0.94	$0.84 - $1.07	+13.83%	Beat	3	0 1 30d	+78.3%
Dec 31, 2024Dec 24 Reported Feb 5, 2025Reported Feb 5	$1.62	$1.03	$0.93 - $1.09	+57.28%	Beat	4	1 1 30d	+78.0%
Sep 30, 2024Sep 24 Reported Nov 4, 2024Reported Nov 4	$0.76	$0.75	$0.58 - $0.85	+1.33%	Beat	5	No revisions (30d)	+72.7%
Jun 30, 2024Jun 24 Reported Aug 7, 2024Reported Aug 7	$0.20	$0.18	$0.18 - $0.20	+11.11%	Beat	5	0 3 30d	+566.7%
Mar 31, 2024Mar 24 Reported May 8, 2024Reported May 8	$0.60	$0.76	$0.65 - $0.88	-21.05%	Miss	5	3 0 30d	+160.9%
Dec 31, 2023Dec 23 Reported Feb 7, 2024Reported Feb 7	$0.91	$0.67	$0.60 - $0.71	+35.82%	Beat	5	1 0 30d	+927.3%

Dividends

Last ex-dividend: Sep 16, 2026

Dividend Metrics

Forward Yield2.70%

Forward Annual Dividend$1.44

Payout Ratio32.95%

FrequencyQuarterly

Pay MonthsMar, Jun, Sep, Dec

Growth

3Y CAGR+3.03%

5Y CAGR+3.13%

HMN dividend history and ex-dividend dates Run HMN in the free DRIP calculator

Key Metrics

Valuation
P/E Ratio	9.31	EV/EBITDA	10.73x
Price/FCF	N/A	FCF Yield	N/A
Profitability
Profit Margin	10.20%	Operating Margin	18.70%
ROE	12.40%	ROIC	8.81%
Financial Health
Debt/Equity	0.42x	Interest Coverage	5.62x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	0.09	Avg Volume	297.06K
52-Week High	$55.16	52-Week Low	$40.62

Technical Indicators Dashboard

Moving Averages

SMA 10$48.38

SMA 20$47.30

SMA 50$47.58

SMA 200$46.68

EMA 10$49.33

EMA 20$48.10

EMA 50$47.88

EMA 200$47.15

MACD

Line: 1.09Signal: 0.25Hist: 0.85

ADX

ADX: 28.3+DI: 33.7-DI: 7.1

Aroon & PSAR

Aroon Up96.0

Aroon Down92.0

PSAR$43.77

Bollinger Bands

Upper Band$51.83

Lower Band$42.78

%B Position1913%(Upper)

Band Width1.16

RSI (14-Day)

Overbought

78.5

Momentum Oscillators

Stoch %K87.0

Stoch %D83.8

Williams %R-7.3

ROC (10d)15.1%

Momentum6.97

CCI (20d)279.8

MFI (14d)64.6

Volatility Measures

ATR (14d)$1.69(3.2%)

StdDev (20d)2.26

Hist Vol31.9%(Moderate)

Volume Flow

VWAP$52.66

OBV10.9M

AD Line-99.0M

CMF (20d)0.186

Volume Metrics

Avg Vol (20d)308.4K

Vol Ratio1.1x

VWMA (20d)$47.86

Pivot Points

R3$57.62

R2$55.82

R1$54.50

Pivot Point$52.70

S1$51.38

S2$49.58

S3$48.26

Advanced Oscillators

TSI27.87

Ultimate Osc72.1

KST32.66

Financial Data

Quarter	Sep 2026	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023
Total Revenue	$429.60M	$433.90M	$419.80M	$424.80M	$429.60M	$403.10M	$407.50M	$400.50M	$403.40M	$379.40M	$377.30M	$394.30M
Cost of Revenue	N/A	N/A	$176.40M	$263.00M	$258.20M	$266.10M	$265.60M	$253.50M	$274.20M	$288.10M	$256.20M	$260.90M
Gross Profit	N/A	N/A	$252.90M	$156.20M	$158.90M	$125.50M	$134.50M	$139.60M	$123.40M	$90.90M	$123.60M	$123.50M

Operating Expenses	$357.00M	$384.90M	$369.60M	$379.10M	$358.10M	$366.60M	$360.00M	$352.20M	$360.70M	$374.80M	$344.30M	$347.10M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Operating Income	N/A	N/A	$50.20M	$45.70M	$71.50M	$36.50M	$47.50M	$48.30M	$42.70M	$4.60M	$33.00M	$47.20M

Interest Income	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Interest Expense	$9.60M	$9.60M	$9.50M	$10.00M	$8.90M	$8.60M	$8.90M	$8.50M	$8.70M	$8.70M	$8.70M	$8.60M
Income Before Tax	$72.60M	$49.00M	$50.20M	$45.70M	$71.50M	$36.50M	$47.50M	$48.30M	$42.70M	$4.60M	$33.00M	$47.20M
Income Tax Expense	$14.10M	$7.40M	$9.00M	$9.50M	$13.20M	$7.10M	$9.30M	$10.10M	$8.40M	$800,000	$6.50M	$7.70M

Net Income	$58.50M	$41.60M	$41.20M	$36.20M	$58.30M	$29.40M	$38.20M	$38.20M	$34.30M	$3.80M	$26.50M	$39.50M

EBITDA	$79.50M	$55.70M	$56.90M	$52.40M	$78.30M	$43.10M	$54.50M	$55.30M	$49.10M	$11.00M	$39.60M	$53.90M
EBIT	$72.60M	$49.00M	$50.20M	$45.70M	$71.50M	$36.50M	$47.50M	$48.30M	$42.70M	$4.60M	$33.00M	$47.20M

* Some calculated fields are derived from available data when not provided by source

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News

Horace Mann Educators CEO sells $353,970 of company stock By Investing.com

Marita Zuraitis, President and CEO of Horace Mann Educators Corp. (NYSE:HMN), sold 7,500 shares of company stock for approximately $353,970 on November 2, 2026...

Investing.com Canada•Nov 4, 2026 11:41 AM ET11/4/26•Neutral

Form 4 Horace Mann Educators Corp: Marita Zuraitis (Director, President & CEO) For: 2 November

This article reports on a Form 4 filing for Horace Mann Educators Corp, detailing an insider transaction by Marita Zuraitis, who serves as Director, President...

Investing.com Canada•Nov 4, 2026 11:41 AM ET11/4/26•Neutral

Horace Mann Educators Q3 2026 Earnings Call Transcript

Horace Mann Educators reported record third-quarter earnings with core EPS of $2.06, a 50% increase year-over-year...

Benzinga•Nov 4, 2026 10:41 AM ET11/4/26•Bullish

Horace Mann Educators Q3 Results: Adjusted EPS beats estimate by 92.52%

Horace Mann Educators Corp reported robust third-quarter adjusted earnings per share of $2.06, significantly surpassing analyst estimates by 92.52% and increasing 51.47% year-over-year. Despite this strong profitability...

scanx.trade•Nov 3, 2026 10:02 PM ET11/3/26•Somewhat-Bullish

Form 144 HORACE MANN EDUCATORS CORP /DE/ For: 2 November By Investing.com

This article announces that Horace Mann Educators Corp. (HMN) filed Form 144 for November 2. Form 144 indicates an intent to sell restricted securities...

Investing.com Nigeria•Nov 3, 2026 6:46 PM ET11/3/26•Neutral

HMN Valuation and Fair Value

P/E: 9.3x
Forward P/E: 9.3x
EV/EBITDA: 10.7x
PEG: 1.2x
P/B: 1.5x

See GNG's fair value

HMN Profitability: Margins, ROIC and FCF

Operating margin: 18.7%
Net margin: 10.2%
ROIC: 8.8%
ROE: 12.4%
FCF margin: 30.8%

HMN Competitors

Company	Ticker
WaFd, Inc.	WAFD
Federal Agricultural Mortgage Corporation	AGM
Western Union Co	WU
OFG Bancorp	OFG
Upstart Holdings Inc	UPST
1st Source Corporation	SRCE
Bank of N.T. Butterfield & Son Ltd	NTB
Hilltop Holdings Inc	HTH

Sector: Financial Services

HMN Analyst Ratings

Consensus: Buy
Analysts: 3
Strong Buy: 0
Buy: 2
Hold: 1
Sell: 0
Strong Sell: 0

HMN Bull Case vs Bear Case

Bull case

HMN converts 30.8% of revenue into free cash flow.
HMN beat EPS estimates in 100.0% of its last 8 reported quarters.

HMN Earnings: Beat Rate and Next Report

Beat rate: 8 of 8 quarters (100.0%)
Average surprise: 46.5%
EPS estimate (fiscal period ending Dec 31, 2026): $1.92

HMN Dividend

Forward yield: 2.7%
Payout ratio: 33.0%
3Y DPS growth: 3.0%
5Y DPS growth: 3.1%
Pay months: Mar, Jun, Sep, Dec

HMN dividend history

HMN Earnings Date

HMN reports Feb 1, 2027. The date is estimated.

HMN Earnings Call

The latest HMN earnings call transcript on file is labeled 2026Q3.

Read the 2026Q3 transcript

HMN ETF Holders

GNG tracks 10 ETFs that hold HMN. The largest weights:

Fidelity Enhanced Small Cap Core ETF (FESM), 0.20% of the fund
Avantis U.S. Small Cap Value ETF (AVUV), 0.11% of the fund
iShares Core S&P Small-Cap ETF (IJR), 0.11% of the fund
iShares Russell 2000 ETF (IWM), 0.07% of the fund
Vanguard Russell 2000 Index Fund ETF Shares (VTWO), 0.06% of the fund

Open the ETF Stock Exposure tool for HMN

See insider activity

Frequently Asked Questions About HMN

When is HMN's next ex-dividend date?

HMN has not declared its next regular ex-dividend date yet. Its last ex-dividend date was Sep 16, 2026 ($0.36 per share). Over the last 12 months, HMN went ex-dividend in Mar, Jun, Sep and Dec.

When does HMN report earnings?

Horace Mann Educators Corporation (HMN) is expected to report earnings on Feb 1, 2027.

What is HMN's current dividend yield?

Horace Mann Educators Corporation (HMN) has a forward dividend yield of 2.70%.

Does HMN pay dividends?

Yes, Horace Mann Educators Corporation pays dividends with a forward dividend yield of 2.70%.

What is HMN's P/E ratio?

Horace Mann Educators Corporation has a price-to-earnings (P/E) ratio of 9.31.

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