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Horace Mann Educators Corporation (HMN)

Upturn stock ratingUpturn stock rating
$46.99
Last Close (24-hour delay)
Profit since last BUY6.53%
upturn advisory
Consider higher Upturn Star rating
BUY since 26 days
  • BUY Advisory
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  • SELL Advisory (Loss)​
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Upturn Stock infoUpturn Stock info Stock price based on last close
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Upturn Advisory Summary

09/15/2025: HMN (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$49 Target price
52w Low $33.14
Current$46.99
52w High $47.81

Analysis of Past Performance

Type Stock
Historic Profit 13.47%
Avg. Invested days 51
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 2.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 09/15/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 1.94B USD
Price to earnings Ratio 14.08
1Y Target Price 49
Price to earnings Ratio 14.08
1Y Target Price 49
Volume (30-day avg) 3
Beta 0.28
52 Weeks Range 33.14 - 47.81
Updated Date 09/14/2025
52 Weeks Range 33.14 - 47.81
Updated Date 09/14/2025
Dividends yield (FY) 2.90%
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 14.08
Forward PE -
Enterprise Value 2445509743
Price to Sales(TTM) 1.17
Enterprise Value 2445509743
Price to Sales(TTM) 1.17
Enterprise Value to Revenue 1.55
Enterprise Value to EBITDA -
Shares Outstanding 40695700
Shares Floating 40451962
Shares Outstanding 40695700
Shares Floating 40451962
Percent Insiders 1.54
Percent Institutions 103.45

ai summary icon Upturn AI SWOT

Horace Mann Educators Corporation

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 1750

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.