HMN - NYSE
Horace Mann Educators Corporation
$45.30
-0.24%Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. It operates in three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits. The company underwrites and markets personal lines of property and casualty insurance, including personal lines auto and property insurance products; supplemental insurance products, which include cancer, heart, hospital, supplemental disability, and accident coverages; retirement products, such as tax-qualified fixed and variable annuities; and life insurance products comprising whole life and term, as well as indexed universal life insurance products. It also offers student loan solutions, including online student loan management accounts for educators. The company markets its products through its sales force of full-time exclusive agents to K-12 teachers, administrators, and other employees of public schools and their families. Horace Mann Educators Corporation was founded in 1945 and is headquartered in Springfield, Illinois.
At a Glance
Live SnapshotHorace Mann Educators Corporation Street Expectations Map
Wall Street analysts project that HMN stock may see slight declines over the coming 12 months. The consensus 1-year price target stands at 41.67, with estimates ranging from a low of 35.00 to a high of 48.00.
The consensus 1-year price target stands at 41.67, with estimates ranging from a low of 35.00 to a high of 48.00.
Analyst Consensus Analysis
Upside Potential
Downside risk. Current price above analyst targets indicates potential overvaluation. Exercise caution and review catalysts.
Analyst Agreement
Good consensus alignment. Moderate target spread reflects general agreement on value drivers with some variance in assumptions.
Risk-Reward Profile
Unfavorable risk-reward. Downside risk exceeds upside potential. Consider defensive positioning or alternative opportunities.
Analyst Conviction
Bearish or uncertain outlook. Limited upside or poor consensus suggests challenges ahead or fundamental concerns.
Market Sentiment Insight
Monitor and evaluate: Current analyst consensus suggests limited conviction or near-term catalysts. Stay informed on company developments and reassess positioning as new information emerges.
Horace Mann Educators Corporation Forward Estimates of Revenue
Forward Growth Analysis
Significant contraction projected—major business challenges or industry disruption likely.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
Key Insight
Limited coverage with volatile estimates: Few analysts covering despite significant projected changes may indicate information gaps or emerging risks.
Horace Mann Educators Corporation Forward Estimates of Net Income
Forward Growth Analysis
Solid growth trajectory indicates healthy business performance and competitive positioning.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Generally favorable outlook with reasonable growth prospects and analyst support.
Key Insight
Limited coverage with volatile estimates: Few analysts covering despite significant projected changes may indicate information gaps or emerging risks.
Horace Mann Educators Corporation Forward Estimates of EPS
Forward Growth Analysis
Solid growth trajectory indicates healthy business performance and competitive positioning.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Generally favorable outlook with reasonable growth prospects and analyst support.
Key Insight
Limited coverage with volatile estimates: Few analysts covering despite significant projected changes may indicate information gaps or emerging risks.
Horace Mann Educators Corporation Forward Estimates of EBIT
Forward Growth Analysis
Significant contraction projected—major business challenges or industry disruption likely.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
Key Insight
Limited coverage with volatile estimates: Few analysts covering despite significant projected changes may indicate information gaps or emerging risks.
Horace Mann Educators Corporation Forward Estimates of EBITDA
Forward Growth Analysis
Significant contraction projected—major business challenges or industry disruption likely.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
Key Insight
Limited coverage with volatile estimates: Few analysts covering despite significant projected changes may indicate information gaps or emerging risks.
Horace Mann Educators Corporation Forward Estimates of SG&A Expense
Forward Growth Analysis
Limited coverage may indicate reduced institutional interest or information availability.
Analyst skepticism evident—carefully evaluate risks before investment decisions.
Horace Mann Educators Corporation Insider Positioning
During the last 12 months, insiders have purchased $157K and sold $2.32M worth of HMN shares, resulting in $2.17M of net selling activity.
3 Months
180
7.63K
16.1K
738.36K
-731K
-$731K
3-6 Months
3.5K
149.54K
6.1K
274.60K
-125K
-$125K
6-9 Months
0
0.00
20.4K
921.36K
-921K
-$921K
9-12 Months
0
0.00
8.5K
389.59K
-390K
-$390K
Top Buyers
Fetter Victor
Director
$150K
Chauby Steven R
Officer: Chief Marketing Officer
$8K
Top Sellers
Zuraitis Marita
Director, Officer: President & Ceo
$1.82M
Carley Donald M
Officer: General Counsel
$161K
Mcclure Beverley J.
Director
$144K
Desrochers Mark R
Officer: Senior Vice President
$141K
Reece Henry Wade
Director
$60K
Insider Activity Analysis
Net Insider Sentiment
Strong bearish signal with $2.17M net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.
Buy/Sell Ratio
Very poor ratio. Heavy selling with minimal buying suggests insiders may be concerned about valuation or outlook.
Recent Trend (3 Months)
Heavy recent selling activity. Recent insider sales notably exceed purchases—may warrant investigation into company developments.
Insider Participation
5 insider sellers vs. 2 buyers. Widespread selling across multiple insiders may signal concerns.
Insider Activity Insight
Multiple red flags: Heavy selling, numerous sellers, and continued recent selling create a concerning pattern. Investigate fundamental drivers and consider whether company guidance or industry conditions have deteriorated.
Related Guides
Continue your HMN research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.