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Upturn AI SWOT - About
HMN 
Horace Mann Educators Corporation (HMN)
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Upturn Advisory Summary
09/17/2025: HMN (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $49
1 Year Target Price $49
| 1 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 11.33% | Avg. Invested days 51 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.86B USD | Price to earnings Ratio 13.51 | 1Y Target Price 49 |
Price to earnings Ratio 13.51 | 1Y Target Price 49 | ||
Volume (30-day avg) 3 | Beta 0.28 | 52 Weeks Range 33.10 - 47.45 | Updated Date 09/16/2025 |
52 Weeks Range 33.10 - 47.45 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 2.96% | Basic EPS (TTM) 3.38 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 8.5% | Operating Margin (TTM) 10.96% |
Management Effectiveness
Return on Assets (TTM) 0.9% | Return on Equity (TTM) 10.91% |
Valuation
Trailing PE 13.51 | Forward PE - | Enterprise Value 2367780900 | Price to Sales(TTM) 1.13 |
Enterprise Value 2367780900 | Price to Sales(TTM) 1.13 | ||
Enterprise Value to Revenue 1.5 | Enterprise Value to EBITDA - | Shares Outstanding 40695700 | Shares Floating 40451962 |
Shares Outstanding 40695700 | Shares Floating 40451962 | ||
Percent Insiders 1.54 | Percent Institutions 103.47 |
Upturn AI SWOT
Horace Mann Educators Corporation
Company Overview
History and Background
Horace Mann Educators Corporation was founded in 1945 by Illinois educators to provide affordable auto insurance to teachers. Over time, it expanded its offerings to include life insurance, retirement annuities, and other financial products tailored to the education market.
Core Business Areas
- Property and Casualty: Offers auto, homeowners, and renters insurance, primarily to educators and their families.
- Life: Provides life insurance products, including term life, whole life, and universal life policies, specifically designed for educators.
- Retirement: Offers fixed, variable, and indexed annuities, as well as other retirement savings solutions for educators. The company has a network of advisors focused on the unique retirement needs of educators and school staff.
Leadership and Structure
Horace Mann is led by Marita Zuraitis, President and CEO. The company has a structured executive team responsible for different business segments and support functions.
Top Products and Market Share
Key Offerings
- Auto Insurance: Provides auto insurance tailored for educators. While specific market share data fluctuates, Horace Mann aims to maintain a competitive position with a focus on customer service and educator-specific features. Competitors include GEICO, State Farm, and Progressive.
- Fixed Annuities: Offers fixed annuities as retirement savings vehicles. Market share varies based on product performance and competitor offerings. Competitors include Athene, Lincoln Financial, and MassMutual.
- Term Life Insurance: Offers term life insurance products to educators. Market share data fluctuates; the company competes with other major insurers like New York Life, Prudential, and MetLife.
Market Dynamics
Industry Overview
The insurance and retirement services industry is highly competitive and influenced by factors such as interest rates, regulatory changes, and economic conditions. The educator-focused segment presents unique opportunities and challenges.
Positioning
Horace Mann positions itself as the leading insurance and financial services company serving the education community. Its competitive advantages include its strong brand recognition among educators and its tailored products and services.
Total Addressable Market (TAM)
The TAM for insurance and retirement products for educators is substantial, estimated at hundreds of billions of dollars. Horace Mann aims to capture a significant portion of this TAM through targeted marketing, product innovation, and strong customer relationships.
Upturn SWOT Analysis
Strengths
- Strong brand recognition among educators
- Tailored products and services for the education market
- Established distribution network focused on educators
- Experienced management team
- Solid financial position
Weaknesses
- Concentration of business in the education sector
- Susceptibility to economic downturns affecting education funding
- Dependence on maintaining strong relationships with educators
- Smaller size compared to major national insurers
- Competitive pressure from larger, more diversified companies
Opportunities
- Expanding product offerings to meet the evolving needs of educators
- Leveraging technology to enhance customer service and efficiency
- Growing market share through strategic partnerships and acquisitions
- Increasing cross-selling opportunities across business segments
- Benefiting from demographic trends, such as the aging of the teacher workforce
Threats
- Changes in government regulations affecting the insurance and retirement industries
- Increased competition from larger, more diversified companies
- Economic downturns impacting the financial stability of educators
- Rising interest rates impacting the profitability of fixed annuities
- Negative publicity or reputational damage affecting the company's brand
Competitors and Market Share
Key Competitors
- PRU
- MET
- LNC
- ALL
- GWO
Competitive Landscape
Horace Mann's competitive advantages include its strong brand recognition among educators and its tailored products and services. However, it faces challenges from larger, more diversified competitors.
Major Acquisitions
National Teachers Associates Life Insurance Company
- Year: 2022
- Acquisition Price (USD millions): 405
- Strategic Rationale: Expanded life insurance offerings and strengthened presence in the educator market.
Growth Trajectory and Initiatives
Historical Growth: Horace Mann's growth has been driven by its focus on the education market and its ability to develop tailored products and services.
Future Projections: Future growth projections depend on various factors, including economic conditions, regulatory changes, and competitive pressures. Analyst estimates can be found on financial websites.
Recent Initiatives: Recent strategic initiatives include investments in technology, expansion of product offerings, and efforts to enhance customer service.
Summary
Horace Mann is a niche insurer with a strong brand in the education market, offering tailored insurance and retirement products. Its focused approach provides a competitive advantage, but also makes it vulnerable to sector-specific risks. Continued product innovation and effective customer service will be crucial. They also need to compete with larger more diversified companies and look at expansion.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Horace Mann Educators Corporation Investor Relations
- Financial News Outlets
- Industry Analysis Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual circumstances and consultation with a qualified financial advisor. Market share data is approximate and subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Horace Mann Educators Corporation
Exchange NYSE | Headquaters Springfield, IL, United States | ||
IPO Launch date 1991-11-15 | President, CEO & Director Ms. Marita Zuraitis | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 1750 | Website https://www.horacemann.com |
Full time employees 1750 | Website https://www.horacemann.com | ||
Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. It operates through 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; and property coverage for homeowners and renters. The Life & Retirement segment markets 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, and benefit specialists, as well as direct and digital channels. The company was founded in 1945 and is headquartered in Springfield, Illinois.
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