Horace Mann Educators Corporation (HMN) - Stock Analysis
Last updated: Sep 20, 2026
Research Idea
Research content for general circulation. Not individualized advice. Methodology & Disclosures
Q3 core EPS of $2.06 far exceeded the $0.99 consensus, and profitability guidance rose for a second consecutive quarter. Shares gained 11.4% over 21 trading days and broke above their recent trading range by November 4.
Loading chart data...
AI Analyst Overview
Loading chart data...
Valuation Metrics
Fundamental Analysis
Key Financial Insights: ⢠Strong cash generation ⢠High liability burden ⢠Margin pressure HMN delivers strong profitability and free cash flow, but elevated liabilities, thin cash reserves, and a less-compelling valuation warrant caution.
Price Behavior
Key Price Behavior Insights: ⢠Lower highs ⢠Support tested ⢠Rebound rejected Support Level: $48.38â$48.42 Resistance Level: $49.15â$49.42 HMN fell 3.3% over the last month and remains bearish below its average, with $48.38â$48.42 support needing to hold and $49.15â$49.42 resistance limiting rebounds.
Sentiment & News
Key News Insights: ⢠Strong Buy rankings ⢠Quarterly dividend ⢠Educator support Horace Mann's repeated Strong Buy recognition, stable dividend, and educator support reinforce its appeal as an income-focused, positively screened stock.
AI Summary
HMN's investment case is shifting from a solid, fairly valued educator insurer to an execution-driven benefits platform: investors should hold or accumulate only if management proves the opaque Employee Services, Reserve National, and reinsurance deals expand earnings without worsening margins, reserves, or capital flexibility.
Description
Horace Mann Educators Corporation is a U.S.-based insurance holding company operating through three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits. It underwrites personal auto and property coverage, various supplemental health and disability policies, retirement and life insurance products, and provides student loan management solutions. The company distributes its offerings through a full-time, exclusive sales force serving Kâ12 teachers, administrators and school employees; it was founded in 1945 and is headquartered in Springfield, Illinois.
Idea History
| Date | Close | Ticker | Company | Summary | Status | P/L |
|---|---|---|---|---|---|---|
| Nov 5 | Nov 12 | HMN | Horace Mann Educators Corporation | Q3 core EPS of $2.06 far exceeded the $0.99 consensus, and profitability guidance rose for a second consecutive quarter. Shares gained 11.4% over 21 trading days and broke above their recent trading range by November 4. | Active | +0.0% |