Horace Mann Educators Corporation
HMNFinancial ServicesNASDAQInsurance - Property & Casualty · Last scanned Oct 24, 2026
Scan Results
Daily timeframeHorace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. At a $1.88B market cap, Horace Mann Educators Corporation ranks as a small-cap company within financial services. It operates through three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits segments.
Market Cap
$1.88B
Beta
0.10
P/E (TTM)
11.08
P/E (Fwd)
8.63
EPS (TTM)
$4.18
EPS (Fwd)
$5.36
ROE
12.4%
ROA
1.1%
Cash
$229.4M
Total Debt
$594.2M
Free CF
$222.7M
52W Change
3.0%
Annual Financials
Cash vs Debt
Where HMN stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, HMN finished 2.57% below its 150-day moving average ($47.51) and 0.13% above its 200-day moving average ($46.23). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is HMN overbought or oversold?
At the October 20, 2026 close, HMN's RSI(14) was 58.5, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
On the balance sheet, HMN has $229.4M in cash with $594.2M in obligations. The ability to service this debt comfortably depends on continued operational cash generation. Annual free cash flow of $222.7M supports ongoing capital allocation decisions and provides a cushion against unexpected expenses or downturns. ROE of 12.4% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.1% 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. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing HMN.