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ISIN
US4403271046
CUSIP
440327104
IPO Date
Nov 15, 1991

Highlights

Market Cap
$2.09B
Enterprise Value
$2.66B
EPS (TTM)
$3.98
PE Ratio
12.76
PEG Ratio
0.22
Total Revenue (TTM)
$1.66B
Gross Profit (TTM)
$869.90M
EBITDA (TTM)
$201.30M
Year Range
$40.04 - $50.83
Target Price
$41.67
ROA (TTM)
1.10%
ROE (TTM)
11.23%

Share Price Chart


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Performance

HMN Performance Chart

Horace Mann Educators Corporation (HMN) is up 11.7% since the beginning of the year. At $51 per share, HMN is currently trading at its 52-week high. Investors who bought $1,000 worth of HMN shares 5 years ago would now be looking at an investment worth $1,592.


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S&P 500 Index

Returns By Period

Horace Mann Educators Corporation (HMN) has returned 11.66% so far this year and 21.23% over the past 12 months. Over the last ten years, HMN has returned 8.05% per year, falling short of the S&P 500 Index benchmark, which averaged 13.71% annually.


Horace Mann Educators Corporation

1D
3.51%
1M
9.15%
YTD
11.66%
6M
10.70%
1Y
21.23%
3Y*
24.79%
5Y*
9.75%
10Y*
8.05%

Benchmark (S&P 500 Index)

1D
-1.44%
1M
-1.45%
YTD
7.60%
6M
6.59%
1Y
22.24%
3Y*
19.20%
5Y*
11.54%
10Y*
13.71%
*Multi-year figures are annualized to reflect compound growth (CAGR)

HMN Monthly Returns History

Based on dividend-adjusted daily data since Nov 15, 1991, HMN's average daily return is +0.05%, while the average monthly return is +0.93%. At this rate, an investment would double in approximately 6.2 years.

Historically, 53% of months were positive and 47% were negative. The best month was Dec 2000 with a return of +30.4%, while the worst month was Oct 2008 at -38.2%. The longest winning streak lasted 13 consecutive months, and the longest losing streak was 6 months.

On a daily basis, HMN closed higher 49% of trading days. The best single day was Oct 13, 2008 with a return of +27.2%, while the worst single day was Oct 10, 2008 at -43.7%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2026-2.97%-2.90%-1.07%6.47%0.64%11.80%11.66%
2025-1.53%9.58%1.79%-2.78%4.55%-0.24%-1.02%8.11%-1.02%-1.02%2.39%1.65%21.51%
202412.63%-1.74%3.21%-0.35%-7.30%-3.57%5.98%3.01%-0.86%6.55%12.43%-5.53%24.62%
2023-4.71%3.79%-8.54%-6.57%-3.93%-0.24%1.58%-4.88%3.70%8.00%5.45%-1.30%-8.77%
2022-1.78%9.42%1.37%-4.73%1.53%-4.29%-10.76%4.44%-0.47%11.82%-2.20%-2.31%-0.07%
2021-6.83%-1.61%12.92%-7.20%-0.57%-5.39%6.39%2.99%-2.19%-1.53%-5.39%5.26%-5.03%

Benchmark Metrics

Horace Mann Educators Corporation has an annualized alpha of 3.62%, beta of 0.99, and R2 of 0.27 versus S&P 500 Index. Calculated based on daily prices since November 15, 1991.

  • This stock participated in 79.39% of S&P 500 Index downside but only 77.03% of its upside - more exposed to losses than it benefited from rallies.
  • R2 of 0.27 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

Alpha
3.62%
Beta
0.99
0.27
Upside Capture
77.03%
Downside Capture
79.39%

Return for Risk

Risk / Return Rank

HMN ranks 71 for risk / return — better than 71% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.


HMN Risk / Return Rank: 7171
Overall Rank
HMN Sharpe Ratio Rank: 7474
Sharpe Ratio Rank
HMN Sortino Ratio Rank: 6767
Sortino Ratio Rank
HMN Omega Ratio Rank: 6565
Omega Ratio Rank
HMN Calmar Ratio Rank: 7676
Calmar Ratio Rank
HMN Martin Ratio Rank: 7474
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below present risk-adjusted performance metrics for Horace Mann Educators Corporation (HMN) and compare them to S&P 500 Index.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.


HMNBenchmarkDifference
Sharpe ratioReturn per unit of total volatility

-0.74

Sortino ratioReturn per unit of downside risk

-0.92

Omega ratioGain probability vs. loss probability

1.18

1.32

-0.14

Calmar ratioReturn relative to maximum drawdown

1.99

2.46

-0.47

Martin ratioReturn relative to average drawdown

4.27

10.92

-6.65

Dividends

Dividend History

Horace Mann Educators Corporation provided a 2.80% dividend yield over the last twelve months, with an annual payout of $1.42 per share. The company has been increasing its dividends for 16 consecutive years.


2.50%3.00%3.50%4.00%$0.00$0.20$0.40$0.60$0.80$1.00$1.20$1.4020152016201720182019202020212022202320242025
Dividends
Dividend Yield
PeriodTTM20252024202320222021202020192018201720162015
Dividend$1.42$1.40$1.36$1.32$1.28$1.24$1.20$1.15$1.14$1.10$1.06$1.00

Dividend yield

2.80%3.03%3.47%4.04%3.43%3.20%2.85%2.63%3.04%2.49%2.48%3.01%

Monthly Dividends

The table displays the monthly dividend distributions for Horace Mann Educators Corporation. The dividends shown in the table have been adjusted to account for any splits that may have occurred.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2026$0.00$0.00$0.36$0.00$0.00$0.36$0.72
2025$0.00$0.00$0.35$0.00$0.00$0.35$0.00$0.00$0.35$0.00$0.00$0.35$1.40
2024$0.00$0.00$0.34$0.00$0.00$0.34$0.00$0.00$0.34$0.00$0.00$0.34$1.36
2023$0.00$0.00$0.33$0.00$0.00$0.33$0.00$0.00$0.33$0.00$0.00$0.33$1.32
2022$0.00$0.00$0.32$0.00$0.00$0.32$0.00$0.00$0.32$0.00$0.00$0.32$1.28
2021$0.00$0.00$0.31$0.00$0.00$0.31$0.00$0.00$0.31$0.00$0.00$0.31$1.24

Dividend Yield & Payout


Dividend Yield

Horace Mann Educators Corporation has a dividend yield of 2.80%, which is quite average when compared to the overall market.

Payout Ratio

Horace Mann Educators Corporation has a payout ratio of 25.92%, which is quite average when compared to the overall market. This suggests that Horace Mann Educators Corporation strikes a balance between reinvesting profits for growth and paying dividends to shareholders.

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


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Worst Drawdowns

The table below displays the maximum drawdowns of the Horace Mann Educators Corporation. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the Horace Mann Educators Corporation was 81.68%, occurring on Oct 27, 2008. Recovery took 1164 trading sessions.


Related event

Drawdown

Fall

Recovery

Underwater

Financial crisis2007–2009
-81.68%Oct 2008
10y 7mo4y 7mo
15y 3moMar 1998 - Jun 2013
1994 bear market1994
-37.67%Dec 1994
1y 8mo1y
2y 8moMar 1993 - Dec 1995
2023 bear market2023
-33.47%Aug 2023
3y 11mo1y 2mo
5y 1moSep 2019 - Nov 2024
2016 bear market2016
-25.79%Feb 2016
6mo 28d7mo 14d
1y 2moJul 2015 - Sep 2016
2019 bear market2019
-24.93%Mar 2019
8mo 15d5mo 22d
1y 2moJul 2018 - Sep 2019

Drawdown Indicators


HMNBenchmarkDifference

Max Drawdown

Largest peak-to-trough decline

-81.68%

-56.78%

-24.90%

Max Drawdown (1Y)

Largest decline over 1 year

-10.73%

-9.10%

-1.63%

Max Drawdown (3Y)

Largest decline over 3 years

-17.14%

-18.90%

+1.76%

Max Drawdown (5Y)

Largest decline over 5 years

-31.09%

-25.43%

-5.66%

Max Drawdown (10Y)

Largest decline over 10 years

-33.47%

-33.92%

+0.45%

Current Drawdown

Current decline from peak

0.00%

-3.21%

+3.21%

Average Drawdown

Average peak-to-trough decline

-24.41%

-10.71%

-13.70%

Ulcer Index

Depth and duration of drawdowns from previous peaks

5.01%

2.04%

+2.97%

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


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Financials

Financial Performance

The chart below illustrates the trends in the financial health of Horace Mann Educators Corporation over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.


Annual
Quarterly

0.0

Valuation

The Valuation section provides an overview of how Horace Mann Educators Corporation is priced in the market compared to other companies in the Insurance - Property & Casualty industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


PE Ratio

The chart displays the Price-to-Earnings (P/E) ratio for HMN, comparing it with other companies in the Insurance - Property & Casualty industry. Currently, HMN has a P/E ratio of 12.8. This P/E ratio is significantly higher than those of industry peers. This could indicate that the stock is overvalued or that investors expect strong future growth.

PEG Ratio

The chart shows the Price/Earnings to Growth (PEG) ratio for HMN compared to other companies in the Insurance - Property & Casualty industry. HMN currently has a PEG ratio of 0.2. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.

PS Ratio

This chart shows the Price-to-Sales (P/S) ratio for HMN relative to other companies in the Insurance - Property & Casualty industry. Currently, HMN has a P/S ratio of 1.3. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.

PB Ratio

The chart illustrates the Price-to-Book (P/B) ratio for HMN in comparison with other companies in the Insurance - Property & Casualty industry. Currently, HMN has a P/B value of 1.4. This P/B ratio is in line with the industry average, suggesting the stock is valued fairly in relation to its book value.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items
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