Horace Mann Educators Corporation
HMNFinancial ServicesNASDAQInsurance - Property & Casualty · Last scanned Sep 8, 2026
Scan Results
Daily timeframeHorace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. With a market capitalization of $2.06B, it sits in mid-cap territory. It operates through three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits segments.
Market Cap
$2.06B
Beta
0.09
P/E (TTM)
11.90
P/E (Fwd)
9.61
EPS (TTM)
$4.28
EPS (Fwd)
$5.30
ROE
12.4%
ROA
1.1%
Cash
$229.4M
Total Debt
$594.2M
Free CF
$222.7M
52W Change
9.7%
Annual Financials
Cash vs Debt
Where HMN stands vs its 150-day and 200-day moving averages
As of the July 16, 2026 close, HMN finished 13.14% above its 150-day moving average ($45.05) and 13.85% above its 200-day moving average ($44.77). 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 July 16, 2026 close, HMN's RSI(14) was 52.6, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The company holds $229.4M in cash, though total debt stands at $594.2M. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. Free cash flow comes in at $222.7M, providing flexibility for reinvestment, buybacks, or dividends. Consistent free cash flow generation is often considered a sign of operational health. Return on equity stands at 12.4%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. 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.
The relatively low beta of 0.09 suggests HMN is a less volatile holding compared to the broader index. No single metric tells the full story. Reviewing HMN's risk profile alongside its fundamentals and technical indicators provides a more complete picture.