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48.20 USD
Add to portfolio
P/E
11.39
EPS
4.28
Yield
2.96%
Safety Score
100
P/B
1.31
ROE
12.39
Beta
0.09
Target Price
56.50 USD
Horace Mann Educators Corporation logo

Horace Mann Educators Corporation

🧾 Earnings Recap – Q2 2026

Horace Mann's shares were essentially unchanged, rising just 0.2% after the earnings release, reflecting a market response that generally viewed the report as in line with expectations without clear catalysts to drive the stock higher or lower.

  • Reported core earnings of $1.17 per share for Q2, up more than 10% year-over-year.
  • Full year 2026 core earnings guidance was raised to $4.60–$4.90 per share, signaling confidence in ongoing operating momentum.
  • Property and Casualty combined ratio improved by 7.0 points versus prior year, aided by favorable weather and rate actions.
  • Sales growth was significant in individual supplemental and group benefits (+44%) and life (+20%), driven by product enhancements and distribution investments.
  • Customer retention remains strong with auto retention near 84% and other businesses above 90%, underpinning the company’s stable revenue base.
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1M 6M YTD 1Y 2Y 5Y Max
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Key Metrics
Earnings dateNov. 3, 2026
P/E11.39
EPS4.28
Book Value37.11
Price to Book1.31
Debt/Equity39.54
% Insiders1.557%
Growth
Revenue Growth0.08%
Earnings Growth0.42%
Estimates
Forward P/E9.19
Forward EPS5.30
Target Mean Price56.50
Dividend
Dividend Yield2.96%
Annual dividends1.43 USD
Ex-Div. DateSept. 16, 2026
Payout32.49%
5y avg Yield3.48%

DCF Valuation

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Horace Mann Educators Corporation Logo Horace Mann Educators Corporation Analysis (HMN)

United States Financials Official Website Stock

Is Horace Mann Educators Corporation a good investment? Horace Mann Educators Corporation (HMN) is currently trading at 48.20 USD. Market analysts have a consensus price target of 56.50 USD. This suggests a potential upside from current levels.

In terms of valuation, the stock trades at a P/E ratio of 11.39. This relatively low multiple may signal that Horace Mann Educators Corporation is undervalued compared to historical market norms.

Earnings Schedule: Horace Mann Educators Corporation is expected to release its next earnings report on Nov. 3, 2026. The market consensus estimate for Forward EPS is 5.30.

For income investors, Horace Mann Educators Corporation pays a dividend yield of 2.96%. With a payout ratio of 32%, the dividend appears sustainable.

Investor FAQ

Does Horace Mann Educators Corporation pay a dividend?

Yes, it pays an annual dividend of 1.43 USD (2.96% yield).

What asset class is Horace Mann Educators Corporation?

Horace Mann Educators Corporation is classified as a Stock. You can compare it against its peer in the "Related Symbols" list.

When is the next earnings date?

The next earnings date is projected to be Nov. 3, 2026. The company currently has a trailing EPS of 4.28.

Company Profile

Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. It operates through three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits segments. The Property & Casualty segment offers insurance products, including private passenger auto insurance, residential home insurance, and personal umbrella insurance; standard auto coverage including liability, collision, and comprehensive; property coverage for homeowners and renters. The Life & Retirement segment sells tax-qualified fixed, fixed indexed, and variable annuities; the Horace Mann Retirement Advantage open architecture platform and other defined contribution plans; traditional term, whole life insurance products, and indexed universal life (IUL) products. This segment also offers Life by Design, a portfolio of individual whole life and individual term insurance products that address the financial planning needs of educators; Life Select, a combination product that mixes a base of either traditional whole life, 20-pay life, or life paid-up at age 65 with a variety of term riders; single premium whole life products; and cash value term. The Supplemental & Group Benefits segment offers employer-sponsored products, including accident, critical illness, limited-benefit fixed indemnity insurance, term life, and short-term and long-term disability, as well as worksite direct products, such as supplemental heart, cancer, disability, and accident coverages. The company offers individual protection and savings solutions, including auto insurance, property insurance, liability insurance, 403(b) retirement plans, mutual funds, life insurance, student loan solutions, credit monitoring, and financial wellness workshops. It distributes its products and services through agents, brokers, benefit specialists, direct and digital channels. The company was founded in 1945 and is headquartered in Springfield, Illinois.

Exchange Ticker
NYQ (United States) HMN
Trades
Dividend Yield
2.96%
5y avg 3.48%
Annual Dividends
1.43USD
Next Ex. Div Date
Sept. 16, 2026
Payout Ratio
32.49%
Dividend History paid per year (USD)
Historical Dividends
Year Total Dividends
▸2027
0.74 USD
June 30, 2027 (estimated) 0.3714
March 31, 2027 (estimated) 0.3714
▸2026
1.44 USD
Dec. 31, 2026 (estimated) 0.3611
Sept. 30, 2026 0.3600
June 30, 2026 0.3600
March 31, 2026 0.3600
▸2025
1.40 USD
Dec. 31, 2025 0.3500
Sept. 30, 2025 0.3500
June 30, 2025 0.3500
March 31, 2025 0.3500
▸2024
1.36 USD
Dec. 31, 2024 0.3400
Sept. 30, 2024 0.3400
June 28, 2024 0.3400
March 29, 2024 0.3400
▸2023
1.32 USD
Dec. 29, 2023 0.3300
Sept. 29, 2023 0.3300
June 30, 2023 0.3300
March 31, 2023 0.3300
▸2022
1.28 USD
Dec. 30, 2022 0.3200
Sept. 30, 2022 0.3200
June 30, 2022 0.3200
March 31, 2022 0.3200
▸2021
1.24 USD
Dec. 31, 2021 0.3100
Sept. 30, 2021 0.3100
June 30, 2021 0.3100
March 31, 2021 0.3100
▸2020
1.20 USD
Dec. 31, 2020 0.3000
Sept. 30, 2020 0.3000
June 30, 2020 0.3000
March 31, 2020 0.3000
▸2019
1.15 USD
Dec. 31, 2019 0.2875
Sept. 30, 2019 0.2875
June 28, 2019 0.2875
March 29, 2019 0.2875
▸2018
1.14 USD
Dec. 31, 2018 0.2850
Sept. 28, 2018 0.2850
June 29, 2018 0.2850
March 30, 2018 0.2850
▸2017
1.10 USD
Dec. 29, 2017 0.2750
Sept. 29, 2017 0.2750
June 30, 2017 0.2750
March 31, 2017 0.2750
▸2016
1.06 USD
Dec. 30, 2016 0.2650
Sept. 30, 2016 0.2650
June 30, 2016 0.2650
March 31, 2016 0.2650
▸2015
1.00 USD
Dec. 31, 2015 0.2500
Sept. 30, 2015 0.2500
June 30, 2015 0.2500
March 31, 2015 0.2500
▸2014
0.92 USD
Dec. 31, 2014 0.2300
Sept. 30, 2014 0.2300
June 30, 2014 0.2300
March 31, 2014 0.2300
▸2013
0.78 USD
Dec. 31, 2013 0.1950
Sept. 30, 2013 0.1950
June 28, 2013 0.1950
March 29, 2013 0.1950
▸2012
0.55 USD
Dec. 31, 2012 0.1600
Sept. 28, 2012 0.1300
June 29, 2012 0.1300
March 30, 2012 0.1300
▸2011
0.46 USD
Dec. 30, 2011 0.1300
Sept. 30, 2011 0.1100
June 30, 2011 0.1100
March 31, 2011 0.1100
▸2010
0.35 USD
Dec. 31, 2010 0.1100
Sept. 30, 2010 0.0800
June 30, 2010 0.0800
March 31, 2010 0.0800
▸2009
0.24 USD
Dec. 31, 2009 0.0800
Sept. 30, 2009 0.0525
June 30, 2009 0.0525
March 31, 2009 0.0525
▸2008
0.37 USD
Dec. 31, 2008 0.0525
Sept. 30, 2008 0.1050
June 30, 2008 0.1050
March 31, 2008 0.1050
▸2007
0.42 USD
Dec. 31, 2007 0.1050
Sept. 28, 2007 0.1050
June 29, 2007 0.1050
March 30, 2007 0.1050
▸2006
0.42 USD
Dec. 29, 2006 0.1050
Sept. 29, 2006 0.1050
June 30, 2006 0.1050
March 30, 2006 0.1050
▸2005
0.42 USD
Dec. 30, 2005 0.1050
Sept. 30, 2005 0.1050
June 30, 2005 0.1050
March 30, 2005 0.1050
▸2004
0.42 USD
Dec. 30, 2004 0.1050
Sept. 30, 2004 0.1050
June 30, 2004 0.1050
March 30, 2004 0.1050
▸2003
0.42 USD
Dec. 15, 2003 0.1050
Sept. 15, 2003 0.1050
June 16, 2003 0.1050
March 17, 2003 0.1050
▸2002
0.42 USD
Dec. 16, 2002 0.1050
Sept. 16, 2002 0.1050
June 17, 2002 0.1050
March 15, 2002 0.1050
▸2001
0.42 USD
Dec. 17, 2001 0.1050
Sept. 17, 2001 0.1050
June 15, 2001 0.1050
March 15, 2001 0.1050
▸2000
0.42 USD
Dec. 15, 2000 0.1050
Sept. 15, 2000 0.1050
June 15, 2000 0.1050
March 15, 2000 0.1050
▸1999
0.38 USD
Dec. 15, 1999 0.1050
Sept. 15, 1999 0.0925
June 15, 1999 0.0925
March 15, 1999 0.0925
▸1998
0.33 USD
Dec. 15, 1998 0.0930
Sept. 15, 1998 0.0800
June 15, 1998 0.0800
March 16, 1998 0.0800
▸1997
0.57 USD
Dec. 15, 1997 0.1600
Sept. 15, 1997 0.1350
June 16, 1997 0.1350
March 17, 1997 0.1350
▸1996
0.44 USD
Dec. 16, 1996 0.1100
Sept. 16, 1996 0.1100
June 17, 1996 0.1100
March 15, 1996 0.1100
▸1995
0.36 USD
Dec. 15, 1995 0.0900
Sept. 15, 1995 0.0900
June 15, 1995 0.0900
March 15, 1995 0.0900
▸1994
0.43 USD
Dec. 15, 1994 0.0360
Dec. 15, 1994 0.0725
Sept. 15, 1994 0.0725
Sept. 15, 1994 0.0360
June 15, 1994 0.0725
June 15, 1994 0.0360
March 15, 1994 0.0725
March 15, 1994 0.0360
▸1993
0.24 USD
Dec. 15, 1993 0.0600
Sept. 15, 1993 0.0600
June 15, 1993 0.0600
March 15, 1993 0.0600
▸1992
0.20 USD
Dec. 15, 1992 0.0500
Sept. 15, 1992 0.0500
June 15, 1992 0.0500
March 16, 1992 0.0500
Upcoming Dividends
Name Payment Date Status Amount
Horace Mann Educators Corporation Sep 30, 2026 Upcoming 0.36 USD
Horace Mann Educators Corporation Jun 30, 2026 0.36 USD
Horace Mann Educators Corporation Mar 31, 2026 0.36 USD
Horace Mann Educators Corporation Dec 31, 2025 0.35 USD
Stock Splits
Split Date Split Ratio to 1
Dec. 16, 1997 2:1
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