Horace Mann Educators Corporation
HMN | NYSE
$47.33
+$0.61 (+1.31%)
Nov 2, 2026, 11:59 AM ET · Market open
Market Data
Market Cap $1.92B
Enterprise Value $-3.33B
Beta 0.10
Average Volume 284.71K
Shares Outstanding (Diluted) 41.2M
Shares Change YoY -0.96%
Institutional Ownership N/A
Exchange NYSE
ISIN US4403271046
Price Performance
Price Change 1M 4.6%
Price Change 3M -8.7%
Price Change 6M 3.9%
Price Change YTD 2.5%
Price Change 1Y 7.0%
Price Change 3Y 43.4%
Price Change 5Y 15.5%
1M CAGR (ann.) -3.4%
1Y CAGR (ann.) 8.7%
5Y CAGR (ann.) 6.5%
All-Time CAGR 6.0%
Valuation
PE Ratio 10.92
Forward PE 8.47
PEG Ratio 0.40
Forward PEG 3.04
PS Ratio 1.11
Forward PS 1.40
PB Ratio 1.26
P/FCF Ratio 3.34
P/Adj. FCF Ratio 3.37
P/OCF Ratio 3.38
EV/Sales -1.95
EV/EBIT -13.08
EV/EBITDA -11.83
EV/FCF -5.88
Earnings Yield 9.2%
FCF Yield 29.9%
Adj. FCF Yield 29.6%
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 2.11
Debt / FCF 1.05
OCF / Debt 0.95
Interest Coverage 5.69
Altman Z-Score 0.84
Piotroski F-Score 7
Margins & Profitability
Gross Profit Margin 48.3%
Operating Profit Margin 12.7%
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 0
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Nov 3, 2026
EPS Estimate (next Q) $1.10
EPS Growth Est (next Q) -19.1%
Revenue Est (next Q) $320M
Revenue Growth Est (next Q) -23.3%
Fair Value Estimates
Graham Number $59.49
Graham Upside 27.3%
Lynch Fair Value $21.40
Lynch Upside -54.2%
Price Target $59.00
Price Target Upside 26.3%
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 $825.2M
Operating Income $216.4M
EBITDA $281.3M
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 3.06%
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 16, 2026
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