Horace Mann Educators stock
HMNNYSEHorace Mann Educators Corporation, Financial ServicesISIN US4403271046
68Score 68 out of 100, Neutral
Price and trend
78 / 100
Price history
+16% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 12% above it.
Since May 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Overheated: the price has risen very quickly lately (RSI 80).
The price is 2.5% below its 52-week high. Largest decline in 20 years: 77% (June 2007 to October 2008).
Chart figures for advanced users
- SMA 50$47.83
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$47.29
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)80
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$41.49
- The lowest closing price of the last twelve months.
- Resistance$54.12
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Horace Mann Educators Corporation belongs to the Insurance (Property & Casualty) industry (United States) and, with a market value of $2.14B, is number 39 of 58 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $1.62B (up 4.8% year on year) and earnings of $162.1M (up 57.7%).
- MEQIRI Score 68 out of 100 (Neutral): rank 499 of 976 in Financial Services, median 68.
Show more
- The P/E is 12.3 (Insurance (Property & Casualty) median 12.4, own median of recent years 14.4).
- Our model puts fair value at $41.58, with the price 28% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Reliable dividendNo dividend cut for 17 years.Capital allocation 61
- Consistently profitableProfit in all 10 fiscal years from 2016 to 2025.Fundamentals 82
Weaknesses
- Above fair valuePrice 28% above the fair value of $41.58.Valuation 50
Its standout strengths are stability and fundamentals.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What lowers it
- solid fundamentals
- price near its 52-week high
Valuation
Valuation signal
Significantly overvaluedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $34.65 and expensive above $51.97 (uncertainty low, based on the price swings of the past year).
The two parts of the fair value come to $30.16 (excess return model) and $52.99 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is above both.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $39.06, at 7.8% it would be $45.35.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.4).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 8.1% on the twelve months before. Revenue has grown solidly since 2006, at about 3% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 12%, net 10%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 2 Feb 2027in 82 days
- Last reported
- 3 Nov 2026EPS reported $2.06 (expected $1.10)above expectations
Analyst estimates
- Earnings per share
- $5.35+10.3%
- Revenue
- $1.27B0.0%
- Earnings per share
- $5.370.0%
- Revenue
- $1.33B0.0%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook raised
Share price after the results: +0.2%2026 core earnings guidance raised to $4.60 to $4.90 per share.
“As a result of our strong first half operating performance, and our confidence in the outlook for the remainder of the year, we are increasing our full year 2026 core earnings guidance to a range of $4.60 to $4.90 per share.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 6 Aug 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 5 insiders sold, $3.01M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Carley Donald MSale
6 Nov 2026, General Counsel
- Shares
- 3,551
- Price
- $52.00
- Value
- $184,652
- Zuraitis MaritaSale
2 Nov 2026, President & CEO
- Shares
- 7,500
- Price
- $47.20
- Value
- $353,970
- Zuraitis MaritaSale
16 Oct 2026, President & CEO
- Shares
- 4,767
- Price
- $46.23
- Value
- $220,383
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- Zuraitis MaritaSale
15 Oct 2026, President & CEO
- Shares
- 2,083
- Price
- $46.26
- Value
- $96,351
- Zuraitis MaritaSale
8 Oct 2026, President & CEO
- Shares
- 550
- Price
- $46.01
- Value
- $25,307
- Zuraitis MaritaSale
6 Oct 2026, President & CEO
- Shares
- 100
- Price
- $46.00
- Value
- $4,600
- Carley Donald MSale
3 Sept 2026, General Counsel
- Shares
- 2,054
- Price
- $52.28
- Value
- $107,385
- Hines Perry G.Sale
3 Sept 2026, Board
- Shares
- 3,237
- Price
- $52.22
- Value
- $169,036
- Zuraitis MaritaSale
1 Sept 2026, President & CEO
- Shares
- 7,500
- Price
- $50.99
- Value
- $382,425
- Reece Henry WadeSale
12 Aug 2026, Board
- Shares
- 1,359
- Price
- $51.52
- Value
- $70,018
- Bradley Thomas ASale
12 Aug 2026, Board
- Shares
- 5,000
- Price
- $51.72
- Value
- $258,623
- Zuraitis MaritaSale
3 Aug 2026, President & CEO
- Shares
- 7,500
- Price
- $52.03
- Value
- $390,248
- Zuraitis MaritaSale
1 Jul 2026, President & CEO
- Shares
- 7,500
- Price
- $52.62
- Value
- $394,613
- Zuraitis MaritaSale
2 Jun 2026, President & CEO
- Shares
- 7,500
- Price
- $46.25
- Value
- $346,845
- Zuraitis MaritaSale
19 May 2026, President & CEO
- Shares
- 14
- Price
- $46.15
- Value
- $646
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Horace Mann Educators
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 68
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Insurance (Property & Casualty)
The next larger and next smaller companies by market value
- Slide Insurance HoldingsSLDE $3.05B83
- Skyward Specialty Insurance GroupSKWD $2.8B74
- Porch GroupPRCH $2.53B36
- HCI GroupHCI $2.36B80
- KemperKMPR $2.05B35
- Línea Directa AseguradoraLDA.MC $1.55B76
- Safety Insurance GroupSAFT $1.53B60
- TrupanionTRUP $1.49B52
ETFs that hold Horace Mann Educators
Held by 18 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares Ageing Population UCITS ETF2B77 | 0.19% | 0.40% | €807M |
| iShares S&P SmallCap 600 UCITS ETFIUS3 | 0.12% | 0.30% | €2.28B |
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.11% | 0.39% | €1.47B |
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| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.07% | 0.30% | €4.22B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.07% | 0.30% | €2.17B |
| WisdomTree US High Dividend UCITS ETF AccWTD9 | 0.06% | 0.29% | €182.46M |
| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.06% | 0.30% | €185.82M |
| WisdomTree US Equity Income UCITS ETF EUR Hedged AccWTDY | 0.05% | 0.35% | €204.34M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 21 Aug 2026)
- Valuation signal Overvalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.