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HMN Should I Buy

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Intellectia

Should You Buy Horace Mann Educators Corp (HMN) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion
Hold
Latest Price
42.680
1 Day change
-1.00%
52 Week Range
48.330
Analysis Updated At
2026/03/27
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Horace Mann Educators Corp (HMN) is not a strong buy at the moment for a beginner, long-term investor with $50,000-$100,000 available. While there are positive insider signals and stable revenue growth, the lack of strong technical momentum, weak financial performance in terms of net income and EPS, and no significant trading signals or catalysts make it prudent to hold off on investing right now.

Technical Analysis

The technical indicators are mixed. The MACD is positive and expanding, indicating slight bullish momentum. However, the RSI is neutral, and the moving averages are bearish (SMA_200 > SMA_20 > SMA_5). The stock is trading near its pivot level of 42.371, with resistance at 43.248 and support at 41.494.

Options Data

Bullish
Open Interest Put-Call Ratio
Bullish
Option Volume Put-Call Ratio

Technical Summary

StrongSellSellNeutralBuyStrongBuydotted line Image
Sell
7
Buy
4

Positive Catalysts

  • Director Victor Fetter purchased 3,500 shares for $150,000, signaling insider confidence. Revenue increased by 8.46% YoY in Q4 2025, showing growth potential.

Neutral/Negative Catalysts

  • The ongoing conflict with Iran and its impact on the Federal Reserve's monetary policy may create macroeconomic uncertainty.

Financial Performance

In Q4 2025, revenue increased to $440.9M (+8.46% YoY), but net income dropped to $36.2M (-5.24% YoY), and EPS fell to 0.87 (-5.43% YoY). Gross margin remained flat.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

No recent analyst rating or price target changes are available.

Wall Street analysts forecast HMN stock price to rise
1 Analyst Rating
Wall Street analysts forecast HMN stock price to rise
0 Buy
1 Hold
0 Sell
Hold
Current: 43.110
sliders
Low
48
Averages
48
High
48
Current: 43.110
sliders
Low
48
Averages
48
High
48
BMO Capital
Michael Zaremski
Outperform
initiated
$48
AI Analysis
2025-07-28
Reason
BMO Capital
Michael Zaremski
Price Target
$48
AI Analysis
2025-07-28
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.
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