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Home CompaniesHorace Mann Educators Corporation

Horace Mann Educators Corporation

Financial Services Insurance - Property & Casualty
PortfolioPortfolio WatchlistWatchlist
Company price
53.25 USD 0.08 ( 0.15%)
Last update at 2026-11-06T21:10:00Z
VOLUME
350093
Market Cap
2005.21M
P/E
11.62

Momentum Score

…

Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. It operates through three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits segments. The Property & Casualty segment offers insurance products, including private passenger auto insurance, residential home insurance, and personal umbrella insurance; standard auto coverage including liability, collision, and comprehensive; property coverage for homeowners and renters. The Life & Retirement segment sells tax-qualified fixed, fixed indexed, and variable annuities; the Horace Mann Retirement Advantage open architecture platform and other defined contribution plans; traditional term, whole life insurance products, and indexed universal life (IUL) products. This segment also offers Life by Design, a portfolio of individual whole life and individual term insurance products that address the financial planning needs of educators; Life Select, a combination product that mixes a base of either traditional whole life, 20-pay life, or life paid-up at age 65 with a variety of term riders; single premium whole life products; and cash value term. The Supplemental & Group Benefits segment offers employer-sponsored products, including accident, critical illness, limited-benefit fixed indemnity insurance, term life, and short-term and long-term disability, as well as worksite direct products, such as supplemental heart, cancer, disability, and accident coverages. The company offers individual protection and savings solutions, including auto insurance, property insurance, liability insurance, 403(b) retirement plans, mutual funds, life insurance, student loan solutions, credit monitoring, and financial wellness workshops. It distributes its products and services through agents, brokers, benefit specialists, direct and digital channels. The company was founded in 1945 and is headquartered in Springfield, Illinois.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
51.39
Low
53.32
High
52 Week Price Range
40.62
Low
55.16
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Horace Mann Educators Corporation is a U.S. insurer serving educators with property-casualty, life and retirement savings products. Long-term growth may be supported by demographic demand for retirement solutions, cross-selling within a focused distribution network and incremental digital channel adoption. The niche market and renewal-driven revenue profile appear positioned to provide relatively stable, predictable cash flow for patient investors.

Material risks include P&C underwriting and catastrophe volatility, investment sensitivity to interest rates and credit, and concentration risk from heavy exposure to the education sector.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
53.17
Dividend Yield
2.85%
Revenue TTM
1746.10M
Revenue Per Share
42.59
Gross Profit TTM
689.50M
Debt / Equity
0.40
ROE
12.39%
Net Debt
567.20M
ROCE
1.49%
Diluted EPS TTM
4.26

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 201.20M 128.60M 53.30M 16.50M 174.90M
Net income 162.10M 102.80M 45.00M 19.80M 142.80M
Gross profit 572.00M 478.40M 356.80M 1381.60M 1330.10M
Reconciled depreciation 27.10M 26.40M 26.20M 16.80M 13.00M
Ebit 237.60M 163.20M 83.00M 18.30M 145.90M
Ebitda 264.70M 189.60M 109.20M 35.10M 158.90M
Depreciation and amortization 27.10M 26.40M 26.20M 16.80M 13.00M
Operating income 201.20M 128.60M 53.30M 18.30M 145.90M
Other operating expenses 1423.70M 1421.80M 1379.50M 1365.10M 1155.20M
Interest expense 36.40M 34.60M 29.70M 19.40M 13.90M
Tax provision 39.10M 25.80M 8.30M -9.30M 32.10M
Interest income 38.50M 27.20M 21.80M 19.40M 13.90M
Net interest income -36.40M -34.60M -29.70M -19.40M -13.90M
Income tax expense 39.10M 25.80M 8.30M -3.30M 32.10M
Total revenue 1624.90M 1550.40M 1432.80M 1381.60M 1330.10M
Total operating expenses 370.80M 349.80M 303.50M 251.50M -1184.20M
Cost of revenue 1052.90M 1072.00M 1076.00M - -
Total other income expense net -1110.70M -34.60M 53.30M -1.80M 29.00M
Net income from continuing ops 162.10M 102.80M 45.00M -2.60M 142.80M
Net income applicable to common shares 162.10M 102.80M 45.00M -2.60M 142.80M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 15266.60M 14487.80M 14049.90M 13310.50M 14383.90M
Intangible assets 499.70M 155.80M 170.30M 185.20M 145.40M
Other current assets -1053.50M 5.00M -5973.60M 3492.70M -43.00M
Total liab 13783.90M 13200.30M 12874.60M 12212.20M 12576.50M
Total stockholder equity 1482.70M 1287.50M 1175.30M 1098.30M 1807.40M
Other current liab -372.10M - -1914.90M -249.00M -249.00M
Common stock 0.10M 0.10M 0.10M 0.10M 0.10M
Capital stock 0.10M 0.10M 0.10M 0.10M 0.10M
Retained earnings 1651.70M 1548.20M 1502.20M 1512.40M 1524.90M
Other liab - - - 10038.30M 10480.80M
Good will 54.30M 54.30M 54.30M 54.30M 43.50M
Other assets 1.30M 8851.70M 14049.90M 361.40M -43.00M
Cash 26.20M 33.10M 29.00M 42.80M 133.00M
Total current liabilities - - -1914.90M 249.00M 249.00M
Current deferred revenue 372.10M - - - -
Net debt 567.20M 513.90M 517.00M 455.20M 369.60M
Short term debt 0.00M 0.00M 0.00M 249.00M 249.00M
Short long term debt - 0.00M 0.00M 249.00M 249.00M
Short long term debt total 593.40M 547.00M 546.00M 498.00M 502.60M
Other stockholder equity -14.50M -7.30M -13.00M -14.80M 1.90M
Property plant equipment 70.80M 73.40M 68.60M 80.90M 75.00M
Total current assets 5742.10M 938.10M 29.00M 6052.70M 6722.50M
Long term investments 7166.50M 6775.60M 6689.10M 6587.60M 7449.50M
Net tangible assets - - - 1020.50M 1742.10M
Short term investments 608.30M 480.20M 5464.10M 5504.30M 6589.50M
Net receivables 419.00M 424.80M 480.50M 506.20M 2481.50M
Long term debt 593.40M 547.00M 546.00M 249.00M 253.60M
Inventory - - -1032.40M - -
Accounts payable - - - 585.10M 425.90M
Accumulated other comprehensive income -154.60M -253.50M -314.00M -399.40M 280.50M
Common stock total equity - - - - 0.10M
Retained earnings total equity - - - - 1524.90M
Treasury stock - - - - -493.40M
Non currrent assets other 8016.30M 12625.10M -6982.30M -6896.40M -7704.40M
Non current assets total 15266.60M 13549.70M 10709.70M 6896.40M 7704.40M
Long term debt total 593.40M 547.00M 546.00M 498.00M 253.60M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -272.30M -135.80M -107.40M -214.60M -283.00M
Change to liabilities - - - 0.00M 46.90M
Total cashflows from investing activities -252.10M -135.80M -107.40M -214.60M -302.00M
Net borrowings -464.30M -270.00M -140.80M -144.10M 65.30M
Total cash from financing activities -311.70M -307.90M -207.80M -47.80M 208.50M
Change to operating activities - - - 75.20M 57.30M
Net income 162.10M 102.80M 45.00M -2.60M 142.80M
Change in cash -10.60M 8.40M -13.10M -90.90M 111.40M
Begin period cash flow 38.10M 29.70M 42.80M 133.70M 22.30M
End period cash flow 27.50M 38.10M 29.70M 42.80M 133.70M
Total cash from operating activities 553.20M 452.10M 302.10M 171.50M 204.90M
Depreciation 27.10M 26.40M 26.20M 27.60M 18.40M
Other cashflows from investing activities -9.80M 7.20M 9.20M -214.60M -19.00M
Dividends paid 57.10M 55.50M 53.90M -52.60M -51.40M
Change to account receivables - - - - -1.50M
Sale purchase of stock -20.80M -8.60M -6.50M -24.00M -5.30M
Other cashflows from financing activities 230.90M 18.60M -6.60M 182.80M 561.90M
Change to netincome - - - 88.40M -10.60M
Capital expenditures 0.00M 0.00M 165.80M 35.70M 2.30M
Change receivables - - - - -0.70M
Cash flows other operating - - - - 8.10M
Cash and cash equivalents changes - - - - 111.40M
Change in working capital 349.60M 261.60M 211.90M 58.10M 65.80M
Stock based compensation 10.20M 9.90M 9.50M 8.90M 8.40M
Other non cash items 4.20M 51.40M 9.50M 79.50M -30.50M
Free cash flow 553.20M 452.10M 302.10M 207.20M 207.20M

Peer Comparison*

Sector: Financial Services Industry: Insurance - Property & Casualty

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
HMN
Horace Mann Educators Corporation		 0.08
0.15%		 53.25 11.62 9.25 1.15 1.34 1.53
CB
Chubb Ltd		 -6.61
1.78%		 365.02 12.11 11.83 2.13 1.75 2.45
PGR
Progressive Corp		 -5.41
2.32%		 227.77 11.10 13.55 1.41 3.74 1.50
TKOMF
Tokio Marine Holdings Inc.		 -
-%		 3.80 28.94 12.24 0.01 1.87 1.61
TKOMY
Tokio Marine Holdings Inc		 -0.14
3.59%		 3.63 28.73 12.25 0.01 1.87 1.61

Profile*

Horace Mann Educators Corporation

Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. It operates through three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits segments. The Property & Casualty segment offers insurance products, including private passenger auto insurance, residential home insurance, and personal umbrella insurance; standard auto coverage including liability, collision, and comprehensive; property coverage for homeowners and renters. The Life & Retirement segment sells tax-qualified fixed, fixed indexed, and variable annuities; the Horace Mann Retirement Advantage open architecture platform and other defined contribution plans; traditional term, whole life insurance products, and indexed universal life (IUL) products. This segment also offers Life by Design, a portfolio of individual whole life and individual term insurance products that address the financial planning needs of educators; Life Select, a combination product that mixes a base of either traditional whole life, 20-pay life, or life paid-up at age 65 with a variety of term riders; single premium whole life products; and cash value term. The Supplemental & Group Benefits segment offers employer-sponsored products, including accident, critical illness, limited-benefit fixed indemnity insurance, term life, and short-term and long-term disability, as well as worksite direct products, such as supplemental heart, cancer, disability, and accident coverages. The company offers individual protection and savings solutions, including auto insurance, property insurance, liability insurance, 403(b) retirement plans, mutual funds, life insurance, student loan solutions, credit monitoring, and financial wellness workshops. It distributes its products and services through agents, brokers, benefit specialists, direct and digital channels. The company was founded in 1945 and is headquartered in Springfield, Illinois.

1 Horace Mann Plaza, Springfield, IL, United States, 62715-0001

217 789 2500

https://www.horacemann.com

1800

Name Title Year Born
Ms. Marita Zuraitis Pres, CEO & Director 1960
Mr. Bret Alan Conklin Exec. VP & CFO 1964
Mr. Donald Martin Carley Exec. VP, Gen. Counsel, Chief Compliance Officer & Corp. Sec. 1968
Mr. Matthew Peter Sharpe Exec. VP of Supplemental & Group Benefits and Corp. Strategy 1962
Mr. Mark Richard Desrochers Chief Corp. Actuary & SVP of Property and Casualty 1969
Ms. Stephanie A. Fulks Sr. VP & Chief Information Officer 1970
Ms. Heather J. Wietzel VP of Investor Relations & Enterprise Communications NA
Ms. Jennifer E. Thayer SVP & Chief HR Officer 1977
Mr. Michael Brandon Weckenbrock Sr. VP of Life & Retirement 1982
Ms. Kimberly Ann Johnson Sr. VP & Controller 1967

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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