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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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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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%
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%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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% |
| 2024 | 12.63% | -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
- R²
- 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.
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).
| HMN | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.15 | 0.90 | -0.75 |
Sortino ratioReturn per unit of downside risk | 0.35 | 1.39 | -1.03 |
Omega ratioGain probability vs. loss probability | 1.04 | 1.21 | -0.17 |
Calmar ratioReturn relative to maximum drawdown | 0.31 | 1.40 | -1.09 |
Martin ratioReturn relative to average drawdown | 0.63 | 6.61 | -5.98 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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, 1998 | 2673 | Oct 27, 2008 | 1164 | Jun 13, 2013 | 3837 |
| -37.67% | Mar 12, 1993 | 440 | Dec 6, 1994 | 253 | Dec 6, 1995 | 693 |
| -33.47% | Sep 16, 2019 | 992 | Aug 23, 2023 | 304 | Nov 6, 2024 | 1296 |
| -25.79% | Jul 17, 2015 | 144 | Feb 10, 2016 | 155 | Sep 21, 2016 | 299 |
| -24.93% | Jul 10, 2018 | 177 | Mar 22, 2019 | 118 | Sep 10, 2019 | 295 |
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.
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
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Income | — |
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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 | — |
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Interest Income | — |
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Net Interest Income | — |