HMN

Horace Mann Educators Corp

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Advanced Chart

41.270

-1.26(-2.963%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

42.280

Open

42.280

VWAP

41.41

Vol

325.70K

Mkt Cap

1.68B

Low

41.150

Amount

13.49M

EV/EBITDA(TTM)

11.26

Total Shares

40.96M

2.25B

EV/OCF(TTM)

4.35

P/S(TTM)

1.09

Horace Mann Educators Corporation is a multiline financial services company focused on helping America’s educators and others who serve the community. The Company's Property & Casualty segment's primary insurance products include private passenger auto insurance, residential home insurance, and personal umbrella insurance. Its Life & Retirement segment markets 403 (b) tax-qualified fixed, fixed indexed and variable annuities; the Horace Mann Retirement Advantage open architecture platform for 403 (b) (7) and other defined contribution plans; traditional term and whole life insurance products and indexed universal life (IUL) products. Its Supplemental & Group Benefits segment offers employer-sponsored products, including accident, critical illness, limited-benefit fixed indemnity insurance, term life, short-term disability and long-term disability, and worksite direct products, including supplemental heart, supplemental cancer, supplemental disability and supplemental accident coverage.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q4

FY2025Q3

FY2025Q2

429.40M

+4.99%

1.330

-17.9%

428.70M

+4.03%

1.023

+34.65%

424.70M

+9.43%

0.613

+206.67%

Estimates Revision

The market is revising Upward the revenue expectations for Horace Mann Educators Corporation (HMN) for FY2025, with the revenue forecasts being adjusted by 0.4% over the past three months. During the same period, the stock price has changed by -0.27%.

Revenue Estimates for FY2025

Revise Upward

+0.4%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+5.9%

In Past 3 Month

Stock Price

Go Down

-0.27%

In Past 3 Month

3 Analyst Rating

13.88% Upside

Wall Street analysts forecast HMN stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for HMN is 47.00 USD with a low forecast of 45.00 USD and a high forecast of 49.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

1 Buy

2 Hold

0 Sell

Moderate Buy

13.88% Upside

Current: 41.270

Low

45.00

Averages

47.00

High

49.00

13.88% Upside

Current: 41.270

Low

45.00

Averages

47.00

High

49.00

BMO Capital

Michael Zaremski

Outperform

initiated

$48

2025-07-28

New

Reason

BMO Capital

Michael Zaremski

Price Target

$48

2025-07-28

New

initiated

Outperform

Reason

BMO Capital analyst Michael Zaremski initiated coverage of Horace Mann with an Outperform rating and $48 price target. The company's captive-focused distribution differs from the majority of peer insurers who rely on 3rd party independent sales agents, the analyst tells investors in a research note. BMO adds that Horace Mann's strategy of selling mainly to schoolteachers via its captive salesforce is one that can bear meaningful fruit, so long as it executes on its current revamped sales strategy.

Piper Sandler

Neutral

maintain

$44 -> $45

2025-07-03

Reason

Piper Sandler

Price Target

$44 -> $45

2025-07-03

maintain

Neutral

Reason

Piper Sandler raised the firm's price target on Horace Mann to $45 from $44 and keeps a Neutral rating on the shares. The firm is reducing its EPS estimates in the space driven by continued fee and spread headwinds. This was confirmed by a rather challenging pre-announcement of variable investment income from MetLife (MET) in late June suggesting this swing factor for a large chunk of lifecoland got sequentially worse, which also - in Piper's opinion - pushes out the normalization factor towards 2026.

Raymond James

Strong Buy

maintain

$46 -> $49

2025-05-15

Reason

Raymond James

Price Target

$46 -> $49

2025-05-15

maintain

Strong Buy

Reason

Raymond James raised the firm's price target on Horace Mann to $49 from $46 and keeps a Strong Buy rating on the shares. The firm likes the company's strong distribution and sticky businesses, and tells investors in a research note that as Horace Mann executes on investor day targets, the stock should react favorably.

Keefe, Bruyette & Woods

Meyer Shields

Hold

Maintains

$44 → $45

2025-02-11

Reason

Keefe, Bruyette & Woods

Meyer Shields

Price Target

$44 → $45

2025-02-11

Maintains

Hold

Reason

Keefe Bruyette analyst Meyer Shields raised the firm's price target on Horace Mann to $45 from $44 and keeps a Market Perform rating on the shares. The shares' current valuation reasonably reflects its property and casualty margin improvement prospects, the analyst tells investors in a research note.

JMP Securities

Matthew Carletti

Hold

Reiterates

n/a

2025-02-07

Reason

JMP Securities

Matthew Carletti

Price Target

n/a

2025-02-07

Reiterates

Hold

Reason

Piper Sandler

John Barnidge

Hold

Maintains

$42 → $44

2025-02-07

Reason

Piper Sandler

John Barnidge

Price Target

$42 → $44

2025-02-07

Maintains

Hold

Reason

See All Ratings

Valuation Metrics

The current forward P/E ratio for Horace Mann Educators Corp (HMN.N) is 10.31, compared to its 5-year average forward P/E of 16.97. For a more detailed relative valuation and DCF analysis to assess Horace Mann Educators Corp 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Fair

5Y Average PE

16.97

Current PE

10.31

Overvalued PE

29.40

Undervalued PE

4.53

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

0.00

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

0.00

Undervalued EV/EBITDA

0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Fair

5Y Average PS

1.03

Current PS

0.98

Overvalued PS

1.20

Undervalued PS

0.86