Horace Mann Educators Statistics
Total Valuation
HMN has a market cap or net worth of $1.85 billion. The enterprise value is $2.64 billion.
Important Dates
The last earnings date was Tuesday, November 4, 2025, after market close.
| Earnings Date | Nov 4, 2025 |
| Ex-Dividend Date | Sep 16, 2025 |
Share Statistics
HMN has 40.70 million shares outstanding. The number of shares has increased by 0.24% in one year.
| Current Share Class | 40.70M |
| Shares Outstanding | 40.70M |
| Shares Change (YoY) | +0.24% |
| Shares Change (QoQ) | n/a |
| Owned by Insiders (%) | 0.50% |
| Owned by Institutions (%) | 102.16% |
| Float | 40.46M |
Valuation Ratios
The trailing PE ratio is 11.48 and the forward PE ratio is 10.10. HMN's PEG ratio is 1.01.
| PE Ratio | 11.48 |
| Forward PE | 10.10 |
| PS Ratio | 1.12 |
| Forward PS | 1.04 |
| PB Ratio | 1.28 |
| P/TBV Ratio | 1.49 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | 1.01 |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 16.10 |
| EV / Sales | 1.58 |
| EV / EBITDA | 9.95 |
| EV / EBIT | 11.07 |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 3.78, with a Debt / Equity ratio of 0.58.
| Current Ratio | 3.78 |
| Quick Ratio | 0.51 |
| Debt / Equity | 0.58 |
| Debt / EBITDA | 3.17 |
| Debt / FCF | n/a |
| Interest Coverage | 6.84 |
Financial Efficiency
Return on equity (ROE) is 12.03% and return on invested capital (ROIC) is 7.17%.
| Return on Equity (ROE) | 12.03% |
| Return on Assets (ROA) | 0.99% |
| Return on Invested Capital (ROIC) | 7.17% |
| Return on Capital Employed (ROCE) | 1.64% |
| Revenue Per Employee | $957,486 |
| Profits Per Employee | $93,771 |
| Employee Count | 1,750 |
| Asset Turnover | 0.11 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, HMN has paid $39.70 million in taxes.
| Income Tax | 39.70M |
| Effective Tax Rate | 19.48% |
Stock Price Statistics
The stock price has increased by +6.33% in the last 52 weeks. The beta is 0.10, so HMN's price volatility has been lower than the market average.
| Beta (5Y) | 0.10 |
| 52-Week Price Change | +6.33% |
| 50-Day Moving Average | 45.31 |
| 200-Day Moving Average | 42.78 |
| Relative Strength Index (RSI) | 53.11 |
| Average Volume (20 Days) | 237,480 |
Short Selling Information
The latest short interest is 544,827, so 1.34% of the outstanding shares have been sold short.
| Short Interest | 544,827 |
| Short Previous Month | 590,839 |
| Short % of Shares Out | 1.34% |
| Short % of Float | 1.35% |
| Short Ratio (days to cover) | 2.43 |
Income Statement
In the last 12 months, HMN had revenue of $1.68 billion and earned $164.10 million in profits. Earnings per share was $3.95.
| Revenue | 1.68B |
| Gross Profit | 632.20M |
| Operating Income | 238.70M |
| Pretax Income | 203.80M |
| Net Income | 164.10M |
| EBITDA | 265.50M |
| EBIT | 238.70M |
| Earnings Per Share (EPS) | $3.95 |
Full Income StatementBalance Sheet
The company has $480.30 million in cash and $842.90 million in debt, giving a net cash position of -$796.20 million or -$19.56 per share.
| Cash & Cash Equivalents | 480.30M |
| Total Debt | 842.90M |
| Net Cash | -796.20M |
| Net Cash Per Share | -$19.56 |
| Equity (Book Value) | 1.44B |
| Book Value Per Share | 35.33 |
| Working Capital | 2.62B |
Full Balance SheetMargins
Gross margin is 37.73%, with operating and profit margins of 14.25% and 9.79%.
| Gross Margin | 37.73% |
| Operating Margin | 14.25% |
| Pretax Margin | 12.16% |
| Profit Margin | 9.79% |
| EBITDA Margin | 15.85% |
| EBIT Margin | 14.25% |
| FCF Margin | n/a |
Dividends & Yields
This stock pays an annual dividend of $1.40, which amounts to a dividend yield of 3.09%.
| Dividend Per Share | $1.40 |
| Dividend Yield | 3.09% |
| Dividend Growth (YoY) | 2.96% |
| Years of Dividend Growth | 15 |
| Payout Ratio | 35.19% |
| Buyback Yield | -0.24% |
| Shareholder Yield | 2.85% |
| Earnings Yield | 8.89% |
| FCF Yield | n/a |
Dividend DetailsAnalyst Forecast
The average price target for HMN is $46.75, which is 3.11% higher than the current price. The consensus rating is "Buy".
| Price Target | $46.75 |
| Price Target Difference | 3.11% |
| Analyst Consensus | Buy |
| Analyst Count | 5 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
Stock Splits
The last stock split was on December 16, 1997. It was a forward split with a ratio of 2:1.
| Last Split Date | Dec 16, 1997 |
| Split Type | Forward |
| Split Ratio | 2:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 3 |
