HORACE MANN EDUCATORS CORP (HMN)
Financials · Personal lines and educator-focused insurance · NYSE
Horace Mann Educators Corporation is an insurance company serving the educators market with property & casualty, life, retirement, and supplemental insurance products.
What HORACE MANN EDUCATORS CORP does
Horace Mann Educators Corporation operates through subsidiaries in the personal lines property and casualty, supplemental, and life insurance industries, with a focus on serving educators. The company generates revenue from net premiums and contract charges earned on its insurance products, net investment income from its portfolio of primarily investment-grade fixed maturity securities, and fees from annuity contractholders. Its operations include property & casualty insurance, life & retirement insurance, and supplemental & group benefits segments, supported by a portfolio of fixed maturity securities, limited partnerships, and other investments.
Themes: ["educators / professional lines insurance","property & casualty insurance","life & annuity products","investment portfolio management"]
Fundamentals
- Price$52.79 as of 2026-07-09 close
- Market cap$2.2B as of 2026-07-10
- 1-year return+28.8% as of 2026-07-09 close
- P/E13.03 as of 2026-07-10
- Net margin+9.6% as of 2026-07-10
- ROE+11.5% as of 2026-07-10
- Debt / equity0.40 as of 2026-07-10
- Revenue growth (YoY)+6.3% as of 2026-07-10
- Revenue CAGR (3y)+7.2% SEC XBRL
- Beta0.11 as of 2026-07-10
Dividend: yield +2.7%; 4-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Fluctuations in investment returns and portfolio management tied to fixed maturity securities and interest rate sensitivity","Claims and benefits payment obligations that could exceed reserve estimates, including reserve remeasurement losses from discount rate changes","Dependence on premium income from educator market segment and exposure to competitive pricing pressures"]
Competitors & peers
- Allstate Corporation (ALL)
- Lincoln National Corporation (LNC)
- Protective Life Insurance Company
- Teachers Insurance and Annuity Association (TIAA)
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.