Horace Mann Educators Corp
Research Horace Mann Educators Corp (HMN) on Bullrun: valuation model: 12.1% undervalued, market cap USD 2.06B, P/E 11.9, dividend yield 2.8%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerHMN
- ExchangeNYSE
- CountryUnited States
- SectorFinancial Services
- IndustryInsurance-Property & Casualty
- CurrencyUSD
- Valuation signal12.1% undervalued
- Market capUSD 2.06B
- P/E11.9
- Dividend yield2.8%
- Financial periodQ2 2026
- RevenueUSD 426.40M
- Net incomeUSD 41.60M
- Free cash flowUSD 223.70M
Valuation Snapshot
Bullrun's latest valuation model marks Horace Mann Educators Corp as 12.1% undervalued; latest market cap is USD 2.06B; P/E is 11.9; dividend yield is 2.8%.
Peer valuation comparison
Latest P/E is 11.92x versus a Financial Services sector median of 13.84x (13.9% below).
Latest dividend yield is 2.78% versus a Financial Services sector median of 3.86% (27.9% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 1.70B | USD 162.10M | USD 553.20M | n/a | 3.9 | USD 27.50M | USD 593.40M | USD 1.48B |
| FY2024 | USD 1.60B | USD 102.80M | USD 452.10M | n/a | 2.48 | USD 38.10M | USD 547.00M | USD 1.29B |
| FY2023 | USD 1.49B | USD 45.00M | n/a | n/a | 1.09 | USD 29.70M | USD 546.00M | USD 1.18B |
| FY2022 | USD 1.38B | -USD 2.60M | n/a | n/a | 0.47 | USD 42.80M | USD 498.00M | USD 1.10B |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 2.06B | 11.9 | 2.8% | 1.42 |
| 2025 | 2025-12-31 | USD 1.88B | 11.8 | 3.0% | 1.4 |
| 2024 | 2024-12-31 | USD 1.60B | 15.8 | 3.5% | 1.36 |
| 2023 | 2023-12-29 | USD 1.34B | n/a | 4.0% | 1.32 |
| 2022 | 2022-12-30 | USD 1.53B | 20.4 | 3.4% | 1.28 |
| 2021 | 2021-12-31 | USD 1.60B | 11.4 | 3.2% | 1.24 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 1.42 USD, yield 2.8%.
| Year | Dividends/share |
|---|---|
| FY2025 | 1.4 USD |
| FY2024 | 1.36 USD |
| FY2023 | 1.32 USD |
| FY2022 | 1.28 USD |
About Horace Mann Educators Corp
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;
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Frequently asked questions
Is Horace Mann Educators Corp overvalued or undervalued?
Bullrun's valuation model currently marks Horace Mann Educators Corp as 12.1% undervalued.
What is Horace Mann Educators Corp's market cap?
Horace Mann Educators Corp's market capitalization is USD 2.06B.
What is Horace Mann Educators Corp's P/E ratio?
Horace Mann Educators Corp's price-to-earnings (P/E) ratio is 11.9.
Does Horace Mann Educators Corp pay a dividend?
Horace Mann Educators Corp has a dividend yield of 2.8%.
What does Horace Mann Educators Corp do?
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.