HMN

Based on Horace Mann Educators Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

What does Horace Mann Educators do?

Horace Mann Educators is an insurance holding company that sells auto, property, life, supplemental health, and retirement products exclusively to K-12 teachers, school administrators, and their families across the United States. It distributes products through a dedicated force of exclusive agents embedded in school communities.

Does HMN pay dividends?

Yes, Horace Mann pays a regular dividend. The company's mature business model and relatively stable cash flows from insurance and retirement operations support ongoing dividend payments. Investors seeking income from the financial services sector often look at HMN alongside other dividend-paying insurers.

When does HMN report earnings?

Horace Mann reports earnings quarterly, in line with standard US-listed company practice. For exact dates and the most recent results across its three business segments, check the investor relations section of the company's official website.

Is HMN a good stock to buy?

UQS Score rates HMN as Good overall. The Valuation pillar is rated Attractive and Quality is rated Good, while the Moat pillar is Weak. Whether HMN fits your portfolio depends on your goals — the full pillar breakdown is available to UQS Pro members.

Is HMN overvalued?

Based on the UQS Valuation pillar, HMN is currently rated Attractive, suggesting it may be trading at a reasonable or favorable price relative to its fundamentals and sector peers. This does not constitute a buy recommendation — see the full analysis on UQS Pro.

How does HMN compare to its competitors?

Horace Mann's educator-only focus sets it apart from broader carriers like Kemper and American Financial Group. That niche provides distribution advantages but also limits scale. The UQS competitor comparison tool lets Pro members view side-by-side pillar scores across these peers.

What is HMN's market cap bracket?

Horace Mann Educators is classified as a small-cap company. This places it in a segment of the market that can offer differentiated exposure compared to large-cap insurers, though small-caps typically carry higher liquidity and volatility considerations.

Who founded Horace Mann Educators Corporation?

Horace Mann Educators Corporation was founded in 1945, named after the 19th-century American education reformer Horace Mann. The company was established with the specific mission of serving the financial needs of educators — a focus it has maintained for decades.

Is HMN a long-term quality investment?

As a long-term quality indicator, HMN's Good UQS Score reflects consistent business fundamentals within its niche. The Weak Moat rating is a consideration for long-term holders, as it suggests limited structural barriers to competition. Pro members can view the full pillar detail to assess long-term fit.

What is the main competitive advantage of Horace Mann?

Horace Mann's primary advantage is its exclusive focus on the K-12 educator market, supported by a dedicated agent network that operates within school communities. This niche positioning creates familiarity and trust with its target customer base, though the UQS Moat pillar rates this advantage as Weak in structural terms.

Horace Mann Educators Corporation shows solid profitability with healthy returns on capital and reasonable margins.

Horace Mann Educators Corporation shows steady but unspectacular growth, typical for mature companies.

Horace Mann Educators Corporation has some risk factors including moderate leverage or solvency concerns.

Horace Mann Educators Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.

Horace Mann Educators Corporation operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for HMN.

The UQS (Unified Quality Score) for Horace Mann Educators Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Horace Mann Educators Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Horace Mann Educators Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.