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Upturn AI SWOT - About
HMN 
Horace Mann Educators Corporation (HMN)
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Upturn Advisory Summary
11/05/2025: HMN (1-star) is currently NOT-A-BUY. Pass it for now.
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 7.56% | Avg. Invested days 53 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.85B USD | Price to earnings Ratio 13.41 | 1Y Target Price 49 |
Price to earnings Ratio 13.41 | 1Y Target Price 49 | ||
Volume (30-day avg) 3 | Beta 0.1 | 52 Weeks Range 35.34 - 48.33 | Updated Date 11/7/2025 |
52 Weeks Range 35.34 - 48.33 | Updated Date 11/7/2025 | ||
Dividends yield (FY) 3.07% | Basic EPS (TTM) 3.38 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-11-03 | When After Market | Estimate 0.96 | Actual 1.36 |
Profitability
Profit Margin 9.79% | Operating Margin (TTM) 18.34% |
Management Effectiveness
Return on Assets (TTM) 0.99% | Return on Equity (TTM) 12.03% |
Valuation
Trailing PE 13.41 | Forward PE - | Enterprise Value 2307958179 | Price to Sales(TTM) 1.1 |
Enterprise Value 2307958179 | Price to Sales(TTM) 1.1 | ||
Enterprise Value to Revenue 1.46 | Enterprise Value to EBITDA - | Shares Outstanding 40695729 | Shares Floating 40562136 |
Shares Outstanding 40695729 | Shares Floating 40562136 | ||
Percent Insiders 1.52 | Percent Institutions 103.44 |
Upturn AI SWOT
Horace Mann Educators Corporation
Company Overview
History and Background
Horace Mann Educators Corporation was founded in 1945 by educators for educators. Initially offering auto insurance, it expanded to life insurance, retirement annuities, and property insurance, becoming a diversified financial services company focused on the education market.
Core Business Areas
- Property and Casualty Insurance: Provides auto, homeowners, and supplemental insurance products primarily to educators and their families.
- Life Insurance: Offers term, whole life, and universal life insurance products tailored to the needs of educators.
- Retirement Solutions: Offers fixed, variable, and indexed annuities to educators for retirement savings.
Leadership and Structure
The company is led by a CEO and executive team, with a board of directors overseeing its operations. The organizational structure is divided by business segment (property/casualty, life, retirement) and functional areas (finance, marketing, technology).
Top Products and Market Share
Key Offerings
- Auto Insurance: Auto insurance policies designed for educators, often with discounts and specialized coverage. Market share data is proprietary, but competition includes GEICO (BRK.B), State Farm, and Progressive (PGR).
- Fixed Annuities: Retirement savings products offering guaranteed returns. Market share data is proprietary. Competitors include TIAA, Fidelity, and Vanguard.
- Homeowners Insurance: Homeowners insurance targeting educators. Market share data is proprietary. Competitors include State Farm, Allstate (ALL), and Travelers (TRV).
Market Dynamics
Industry Overview
The insurance and financial services industry is highly competitive, with numerous players offering similar products. Demand is driven by factors such as economic growth, interest rates, and demographic trends.
Positioning
Horace Mann is positioned as a niche provider focused specifically on the education market, allowing it to tailor products and services to this demographic. Its competitive advantage lies in its established relationships within the education community and its understanding of their specific needs.
Total Addressable Market (TAM)
The total addressable market for insurance and retirement products for educators is estimated to be in the billions of dollars annually. Horace Mann is positioned to capture a portion of this TAM by leveraging its brand recognition and targeted marketing efforts.
Upturn SWOT Analysis
Strengths
- Strong brand recognition within the education community
- Established relationships with educators and educational institutions
- Tailored products and services for the education market
- Experienced management team
- Solid financial performance
Weaknesses
- Niche market focus may limit growth potential
- Vulnerable to economic downturns and market volatility
- Reliance on agency distribution model
- Competition from larger, more diversified financial services companies
Opportunities
- Expanding product offerings to meet evolving needs of educators
- Leveraging technology to improve customer experience and efficiency
- Acquiring or partnering with complementary businesses
- Capitalizing on increasing demand for financial planning services
Threats
- Increasing competition from established and emerging players
- Changes in regulations affecting the insurance and financial services industries
- Economic downturns that reduce demand for products and services
- Cybersecurity risks and data breaches
Competitors and Market Share
Key Competitors
- PRU
- MET
- AFL
Competitive Landscape
Horace Mann's competitive advantage lies in its focus on the education market. Competitors include larger, more diversified companies that offer a wider range of products and services.
Growth Trajectory and Initiatives
Historical Growth: Horace Mann has demonstrated steady revenue growth over the past several years, driven by increased sales of its insurance and retirement products.
Future Projections: Analyst estimates suggest continued revenue growth in the mid-single digits, driven by demand for its products and services. The market is impacted by insurance claim payouts and is susceptible to market fluctuations.
Recent Initiatives: Recent initiatives include expanding its product offerings, investing in technology, and enhancing its customer service capabilities.
Summary
Horace Mann is a solid company focused on the niche market of educators. It has consistent earnings and a solid customer base. Its niche market could be both a strength and a weakness with respect to potential competition in the future as well as an increasing reliance on the education industry's overall stability.
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Sources and Disclaimers
Data Sources:
- Company Financial Reports
- Industry Analysis Reports
- Analyst Estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the source. Financial performance is subject to change based on market conditions and company performance.
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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