Horace Mann Educators Corporation (HMN) — Stock Score Summary

Horace Mann Educators Corporation (HMN) has a MoatMap StockRank of 88/100 based on Quality (54/100), Value (55/100), and Momentum (65/100) factor scores. The current signal is STRONG BUY. Horace Mann is a niche insurer focused on educators. While defensive, it lacks the high-growth, high-ROIC characteristics we seek and does not benefit from any of our identified macro inflections.

Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. It operates through three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits segments.

Key Financial Metrics

Price$47.67
Market Cap$1.9B
P/E (TTM)11.45
P/E (Forward)8.98
Price/Book1.27
Return on Equity11.7%
Debt/Equity40.40
Gross Margin38.8%
Operating Margin13.9%
Revenue Growth3.1%
Dividend Yield3.2%
Free Cash Flow$276M

Horace Mann Educators Corporation operates in the Insurance - Property & Casualty industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Horace Mann Educators Corporation’s (HMN) StockRank?
MoatMap’s StockRank for Horace Mann Educators Corporation (HMN) is 88/100, with a Strong Buy signal. It is a composite of Quality (54), Value (55), and Momentum (65) factor ranks across MoatMap’s 19,000+ stock universe.
Does Horace Mann Educators Corporation have an economic moat?
Horace Mann Educators Corporation (HMN) has a Quality factor score of 54/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Horace Mann Educators Corporation a buy, hold, or sell?
MoatMap’s current signal for Horace Mann Educators Corporation (HMN) is Strong Buy, based on a StockRank of 88/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Horace Mann Educators Corporation in?
Horace Mann Educators Corporation (HMN) operates in the Financial Services sector, specifically the Insurance - Property & Casualty industry (United States).
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