Horace Mann Educators Statistics
Total Valuation
HMN has a market cap or net worth of $1.78 billion. The enterprise value is $2.57 billion.
Important Dates
The last earnings date was Tuesday, November 4, 2025, after market close.
| Earnings Date | Nov 4, 2025 |
| Ex-Dividend Date | Dec 15, 2025 |
Share Statistics
HMN has 40.68 million shares outstanding. The number of shares has increased by 0.24% in one year.
| Current Share Class | 40.68M |
| Shares Outstanding | 40.68M |
| Shares Change (YoY) | +0.24% |
| Shares Change (QoQ) | n/a |
| Owned by Insiders (%) | 0.55% |
| Owned by Institutions (%) | 101.77% |
| Float | 40.41M |
Valuation Ratios
The trailing PE ratio is 11.05 and the forward PE ratio is 9.88.
| PE Ratio | 11.05 |
| Forward PE | 9.88 |
| PS Ratio | 1.08 |
| Forward PS | 0.98 |
| PB Ratio | 1.24 |
| P/TBV Ratio | 1.43 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | 2.88 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 15.67 |
| EV / Sales | 1.53 |
| EV / EBITDA | 9.66 |
| EV / EBIT | 10.77 |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 3.27, with a Debt / Equity ratio of 0.58.
| Current Ratio | 3.27 |
| Quick Ratio | 0.24 |
| 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) | 1.65% |
| 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 +5.77% 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 | +5.77% |
| 50-Day Moving Average | 44.99 |
| 200-Day Moving Average | 43.30 |
| Relative Strength Index (RSI) | 37.17 |
| Average Volume (20 Days) | 223,280 |
Short Selling Information
The latest short interest is 515,938, so 1.27% of the outstanding shares have been sold short.
| Short Interest | 515,938 |
| Short Previous Month | 544,827 |
| Short % of Shares Out | 1.27% |
| Short % of Float | 1.28% |
| Short Ratio (days to cover) | 2.16 |
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 | 266.10M |
| EBIT | 238.70M |
| Earnings Per Share (EPS) | $3.95 |
Full Income StatementBalance Sheet
The company has $244.80 million in cash and $842.90 million in debt, giving a net cash position of -$796.20 million or -$19.57 per share.
| Cash & Cash Equivalents | 244.80M |
| Total Debt | 842.90M |
| Net Cash | -796.20M |
| Net Cash Per Share | -$19.57 |
| Equity (Book Value) | 1.44B |
| Book Value Per Share | 35.31 |
| Working Capital | 2.31B |
Full Balance SheetCash Flow
| Operating Cash Flow | 616.80M |
| Capital Expenditures | n/a |
| Free Cash Flow | n/a |
| FCF Per Share | n/a |
Full Cash Flow StatementMargins
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 | 15.88% |
| 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 3.21%.
| Dividend Per Share | $1.40 |
| Dividend Yield | 3.21% |
| Dividend Growth (YoY) | 2.94% |
| Years of Dividend Growth | 15 |
| Payout Ratio | 35.44% |
| Buyback Yield | -0.24% |
| Shareholder Yield | 2.97% |
| Earnings Yield | 9.24% |
| FCF Yield | n/a |
Dividend DetailsAnalyst Forecast
The average price target for HMN is $46.75, which is 7.15% higher than the current price. The consensus rating is "Buy".
| Price Target | $46.75 |
| Price Target Difference | 7.15% |
| 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 | 5 |
