Horace Mann Educators Corporation (HMN) Fair Value & Analysis
Financial Services · US · Market cap $1.8B
Horace Mann Educators Corporation
HMN · US
Fair value as of: Jun 26, 2026
From 24 valuation models · updated 7 days ago
Share price +16.9% over the past month.
Price vs Fair Value (12 months)
12‑month range $36.92 – $50.67 · fair‑value band $39.14 – $65.23 · the $50.67 price screens below the $52.19 fair value. As of Jun 26, 2026.
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Horace Mann Educators Corporation (HMN) currently trades at $50.67, while our model-based Fair Value estimate is $52.19 — implying the stock looks roughly 3.0% undervalued today. We read business quality at 61/100 (solid 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.
Over the trailing twelve months, Horace Mann Educators Corporation generated revenue of $1.7B at a net margin of 9.6%. Revenue grew 3.1% year over year. It earns a return on equity of 11.7%. Net debt stands at $567M. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
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; …
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Horace Mann Educators Corporation reported revenue of $1.6B in FY2025 versus $1.3B in FY2021, a compound +6.8%/yr. Reported net income was $162M in FY2025, compounding −1.2%/yr from FY2021.
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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.