Horace Mann Educators Corp (HMN) stock
HMNNYSEFire, Marine & Casualty InsuranceFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 6, 2026Score 12/301% below fair value
$53.01+0.23 (+0.44%)
Close on Nov 13, 2026Market cap $2.15BP/E 12.4Yield 2.64%
Horace Mann Educators statistics
85 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Feb 2, 2027 (estimated, after the close)
- Last ex-dividend date
- Sep 16, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.74
- 1.74
- P/OCF Ratio
- 4.07
- 7.15
Enterprise valuationIndustry
- EV / Sales
- 1.14
- 0.97
Share statisticsIndustry
- Shares Change (YoY)
- -0.54%
- -1.32%
- Float
- 40M
- 57M
- Shares Held by Insiders
- 1.56%
- 3.33%
- Shares Held by Institutions
- 104.5%
- 84.6%
Short sellingIndustry
- Short Interest
- 1M
- –
- Short Interest Change
- -3.12%
- -2.56%
- Short % of Float
- 2.51%
- 3.81%
- Short % of Shares Outstanding
- 2.47%
- 3.02%
- Days to Cover
- 3.81
- 4.05
Stock price statisticsIndustry
- 52-Week High
- $55.56
- –
- 52-Week Low
- $41.29
- –
- 20-Day Moving Average
- $49.12
- –
- 50-Day Moving Average
- $47.85
- –
- 200-Day Moving Average
- $47.33
- –
- Average True Range (14)
- $1.62
- –
- Price Change (1 Week)
- -0.45%
- 2.21%
- Price Change (1 Month)
- 15.3%
- 4.21%
- Price Change (3 Months)
- 3.33%
- 2.03%
- Price Change (6 Months)
- 17.8%
- 11.0%
- Price Change (YTD)
- 14.8%
- 8.86%
- Price Change (1 Year)
- 16.5%
- 10.7%
- Price Change (3 Years)
- 61.0%
- 42.9%
- Price Change (5 Years)
- 29.3%
- 42.3%
- Price Change (10 Years)
- 34.0%
- 113.0%
- Average Volume (10 Days)
- 365,680
- –
- Average Volume (20 Days)
- 311,152
- –
- Average Volume (90 Days)
- 291,571
- –
- Relative Volume
- 0.65
- 0.73
- Relative Strength Index (14)
- 71.5
- 56.3
- Volatility (1 Year)
- 21.8%
- 28.3%
- Beta (5 Years)
- 0.32
- 0.60
MarginsIndustry
- Pretax Margin
- 12.5%
- 13.5%
- EBITDA Margin
- 16.2%
- 13.5%
Returns on capitalIndustry
- Return on Equity (ROE)
- 12.4%
- 13.9%
- Return on Assets (ROA)
- 1.15%
- 2.97%
GrowthIndustry
- Revenue Growth (YoY)
- 4.25%
- 6.46%
- Net Income Growth (YoY)
- 8.17%
- 11.9%
- EPS Growth (YoY)
- 8.61%
- 12.7%
- Revenue Growth (3Y CAGR)
- 7.19%
- 9.53%
- Revenue Growth (5Y CAGR)
- 5.36%
- 8.29%
- EPS Growth (3Y CAGR)
- 102.5%
- 15.9%
- EPS Growth (5Y CAGR)
- 4.23%
- 15.2%
EfficiencyIndustry
- Asset Turnover
- 0.11
- 0.27
- Revenue Per Employee
- $970.44K
- $1.80M
- Profits Per Employee
- $98.61K
- $182.48K
- Employee Count
- 1,800
- 1,341
- WACC
- 7.60%
- 8.10%
Income statement (TTM)Industry
- Pretax Income
- $217.50M
- $617.47M
Balance sheetIndustry
- Net Cash (Debt)
- $148.80M
- $331.32M
- Net Cash Per Share
- $3.67
- $5.43
- Equity (Book Value)
- $1.42B
- $3.44B
- Book Value Per Share
- $35.09
- $37.80
- Tangible Book Value
- $1.24B
- $2.32B
Cash flow (TTM)Industry
Dividends and yieldsIndustry
- Earnings Yield
- 8.27%
- 8.85%
- Dividend Yield
- 2.64%
- 1.88%
- Buyback Yield
- 1.22%
- 3.22%
- Shareholder Yield
- 3.86%
- 4.26%
- Dividend Per Share
- $1.40
- $1.75
- Dividend Growth (YoY)
- 2.94%
- 4.86%
- Years of Dividend Growth
- 16
- 3
- Payout Ratio
- 32.6%
- 20.1%
Taxes and interestIndustry
- Interest Expense
- $38.70M
- $77.46M
- Income Tax
- $40.00M
- $107.00M
- Effective Tax Rate
- 18.4%
- 20.0%
Scores and fair valueIndustry
- Graham Number
- $58.20
- $76.72
- Graham Upside
- 9.79%
- 11.3%
- Altman Z-Score
- 0.36
- 0.94
- Piotroski F-Score
- 6
- 5
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | HMN | S&P 500 | Difference | HMN per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +15.7% | -3.0% | +18.7 pts | ||
| 3 months | +2.9% | -2.8% | +5.7 pts | ||
| Year to date | +17.5% | +11.5% | +6.0 pts | ||
| 1 year | +20.4% | +13.5% | +7.0 pts | ||
| 3 years | +82.5% | +77.7% | +4.8 pts | +22.2% | +21.1% |
| 5 years | +54.4% | +72.6% | −18.2 pts | +9.1% | +11.5% |
| 10 years | +90.2% | +308.2% | −218.0 pts | +6.6% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
1M HMN shares were sold short on Oct 30, 2026, down 3.1% from the previous report, or 2.51% of the shares available to trade. At recent volumes it would take 3.8 days to buy them back. Over the last 20 sessions, 55.1% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 1,000,096 | -3.1% | 262,580 | 3.8 |
| Oct 15, 2026 | 1,032,320 | +1.4% | 281,968 | 3.7 |
| Sep 30, 2026 | 1,017,756 | -9.1% | 423,470 | 2.4 |
| Sep 15, 2026 | 1,119,118 | +9.4% | 286,162 | 3.9 |
| Aug 31, 2026 | 1,022,686 | -2.5% | 215,038 | 4.8 |
| Aug 14, 2026 | 1,048,677 | +11.1% | 261,073 | 4.0 |
| Jul 31, 2026 | 943,584 | -11.0% | 246,646 | 3.8 |
| Jul 15, 2026 | 1,060,554 | -20.6% | 261,068 | 4.1 |
| Jun 30, 2026 | 1,335,863 | +19.1% | 369,984 | 3.6 |
| Jun 15, 2026 | 1,121,420 | +8.3% | 254,634 | 4.4 |
| May 29, 2026 | 1,035,254 | +15.8% | 258,547 | 4.0 |
| May 15, 2026 | 893,695 | -6.1% | 190,817 | 4.7 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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