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Horace Mann Educators Corporation (HMN) Fair Value & Analysis

Financial Services · US · Market cap $1.8B

Price$50.57
Fair Value$52.19
Upside+3.2%
Quality95/100
Evidence: High Range $39.14 – $65.23

Fair value as of: Jun 25, 2026

Analysis

Horace Mann Educators Corporation (HMN) currently trades at $50.57, while our model-based Fair Value estimate is $52.19 — implying the stock looks roughly 3.2% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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. 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; property coverage for homeowners and renters. The Life & Retirement segment sells 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; …

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Frequently asked questions

Is Horace Mann Educators Corporation (HMN) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $52.19 versus a price of $50.57 — about +3% (undervalued). Model-based estimate, not financial advice.
What is the fair value of HMN?
Our 21-model fair value for Horace Mann Educators Corporation is $52.19 (as of Jun 25, 2026), built from audited fundamentals. The current price is $50.57.
What is the quality score of HMN?
Horace Mann Educators Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.