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Horace Mann Educators Corporation (HMN)
Performance
Return for Risk
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN
US4403271046
CUSIP
440327104
IPO Date
Nov 15, 1991

Highlights

Market Cap
$1.78B
Enterprise Value
$2.34B
EPS (TTM)
$3.90
PE Ratio
10.95
PEG Ratio
0.19
Total Revenue (TTM)
$1.64B
Gross Profit (TTM)
$1.70B
EBITDA (TTM)
$202.30M
Year Range
$38.76 - $48.33
Target Price
$41.67
ROA (TTM)
1.06%
ROE (TTM)
10.93%

Share Price Chart


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Horace Mann Educators Corporation

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in Horace Mann Educators Corporation, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.


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S&P 500 Index

Returns By Period

Horace Mann Educators Corporation (HMN) has returned -6.79% so far this year and 3.11% over the past 12 months. Over the last ten years, HMN has returned 6.36% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.


Horace Mann Educators Corporation

1D
-1.00%
1M
-1.07%
YTD
-6.79%
6M
-3.98%
1Y
3.11%
3Y*
12.49%
5Y*
3.42%
10Y*
6.36%

Benchmark (S&P 500 Index)

1D
2.91%
1M
-5.09%
YTD
-4.63%
6M
-2.39%
1Y
16.33%
3Y*
16.69%
5Y*
10.18%
10Y*
12.16%
*Multi-year figures are annualized to reflect compound growth (CAGR)

Monthly Returns

Based on dividend-adjusted daily data since Nov 15, 1991, HMN's average daily return is +0.05%, while the average monthly return is +0.89%. At this rate, your investment would double in approximately 6.5 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%-6.79%
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 3.28%, beta of 0.99, and R² of 0.28 versus S&P 500 Index. Calculated based on daily prices since November 18, 1991.

  • This stock participated in 81.96% of S&P 500 Index downside but only 77.74% of its upside — more exposed to losses than it benefited from rallies.
  • R² of 0.28 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
3.28%
Beta
0.99
0.28
Upside Capture
77.74%
Downside Capture
81.96%

Return for Risk

Risk / Return Rank

HMN ranks 43 for risk / return — on par with similar stocks. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.


HMN Risk / Return Rank: 4343
Overall Rank
HMN Sharpe Ratio Rank: 4545
Sharpe Ratio Rank
HMN Sortino Ratio Rank: 3737
Sortino Ratio Rank
HMN Omega Ratio Rank: 3636
Omega Ratio Rank
HMN Calmar Ratio Rank: 4848
Calmar Ratio Rank
HMN Martin Ratio Rank: 4747
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 a chosen benchmark (S&P 500 Index).


HMNBenchmarkDifference

Sharpe ratio

Return per unit of total volatility

0.15

0.90

-0.75

Sortino ratio

Return per unit of downside risk

0.35

1.39

-1.03

Omega ratio

Gain probability vs. loss probability

1.04

1.21

-0.17

Calmar ratio

Return relative to maximum drawdown

0.31

1.40

-1.09

Martin ratio

Return relative to average drawdown

0.63

6.61

-5.98

Explore HMN risk-adjusted metrics in detail

Dive deeper into individual metrics with historical trends, benchmark comparisons, and performance across different time periods.

Dividends

Dividend History

Horace Mann Educators Corporation provided a 3.30% dividend yield over the last twelve months, with an annual payout of $1.41 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$1.41$1.40$1.36$1.32$1.28$1.24$1.20$1.15$1.14$1.10$1.06$1.00

Dividend yield

3.30%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$0.36
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 3.30%, which is quite average when compared to the overall market.

Payout Ratio

Horace Mann Educators Corporation has a payout ratio of 26.47%, 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.

The current Horace Mann Educators Corporation drawdown is 8.17%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-81.68%Mar 16, 19982673Oct 27, 20081164Jun 13, 20133837
-37.67%Mar 12, 1993440Dec 6, 1994253Dec 6, 1995693
-33.47%Sep 16, 2019992Aug 23, 2023304Nov 6, 20241296
-25.79%Jul 17, 2015144Feb 10, 2016155Sep 21, 2016299
-24.93%Jul 10, 2018177Mar 22, 2019118Sep 10, 2019295

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 11.0. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.

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 1.1. 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 1.2. 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