Horace Mann Educators Corporation
HMNFinancial ServicesNASDAQInsurance - Property & Casualty
Scan Results
Daily timeframeHorace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. The company carries a $2.12B market cap, placing it firmly in the mid-cap category. It operates through three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits segments.
Market Cap
$2.12B
Beta
0.11
P/E (TTM)
13.22
P/E (Fwd)
10.40
EPS (TTM)
$3.98
EPS (Fwd)
$5.06
ROE
11.7%
ROA
1.0%
Cash
$96.3M
Total Debt
$593.8M
Free CF
$275.6M
52W Change
27.2%
Annual Financials
Cash vs Debt
On the balance sheet, HMN has $96.3M in cash with $593.8M in obligations. The ability to service this debt comfortably depends on continued operational cash generation. Free cash flow comes in at $275.6M, providing flexibility for reinvestment, buybacks, or dividends. Consistent free cash flow generation is often considered a sign of operational health. ROE of 11.7% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.0% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $1.34B (2022) to $1.62B (2025), reflecting a 21% increase over the period.
HMN's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. Horace Mann Educators Corporation carries a heavier debt load relative to its cash position, which introduces financial risk that investors should weigh. No single metric tells the full story. Reviewing HMN's risk profile alongside its fundamentals and technical indicators provides a more complete picture.