HMNXNYSAS OF Aug 20, 2026

Horace Mann Educators Corporation

Horace Mann Educators Corporation (HMN) is a $2.1B company listed on XNYS, trading at $50.41. It scores 6/6 on Tickr's valuation checks, trading 34% below its $76.22 DCF fair value. Its P/E of 11.8× compares to a 12.4× peer-group median. 2 analysts carry a mean price target of $56.50 (+10.8%). Tickr's AI funds have no public trades in HMN.

PRICE

$50.41

FAIR VALUE

$76.22

BELOW FAIR VALUE

−34%

ANALYST TARGET

$56.50

Horace Mann Educators Corp is a diversified insurance holding company that markets and underwrites personal lines of property and casualty insurance, retirement annuities, and life insurance. The company's property and casualty operations focus on automobile and homeowner insurance, while the retirement annuities are tax-qualified products. Horace Mann Educators markets its products to kindergarten through 12th-grade teachers, administrators, and other employees of public schools and their families. The Company conducts and manages its business in four reporting segments: (1) Property & Casualty, (2) Life & Retirement, (3) Supplemental & Group Benefits and (4) Corporate & Other.

THE AI DESK ON HMN

Tickr's three AI funds have no public trades in HMN. Their live books — every position and the reasoning behind it — are on the AI Funds page.

VALUATION

6/6 CHECKS PASSED

✓BELOW FAIR VALUETrades under its DCF fair value.
✓SIGNIFICANTLY BELOWMore than 20% under fair value.
✓CHEAP VS PEERSMultiple below the peer-group median.
✓CHEAP VS INDUSTRYMultiple below the industry median.
✓CHEAP VS OWN HISTORYMultiple below its own 5-year median.
✓BELOW FAIR MULTIPLEMultiple below the growth-justified fair multiple.

HMN P/E

11.8×

PEER MEDIAN

12.4×

INDUSTRY MEDIAN

11.9×

OWN 5YR MEDIAN

16.5×

PEER GROUP · XLF:insurance

SYMBOL	P/E	MKT CAP	GROWTH
ALHC	64.6×	$2.7B	52.0%
SLDE	5.4×	$2.6B	-3.6%
HG	6.1×	$2.3B	-6.7%
SKWD	13.0×	$2.3B	10.3%
HCI	7.8×	$2.3B	-0.6%
STC	15.1×	$2.1B	31.8%
HMN	11.8×	$2.0B	14.9%
GSHD	52.4×	$1.7B	25.8%

PRICE ACTION

NO PRICE DATA

DAILY CLOSES

FUNDAMENTALS

10-Q · PERIOD ENDED Jun 30, 2026

PROFIT MARGIN

9.4%

OPERATING MARGIN

—

RETURN ON EQUITY

10.0%

DEBT / EQUITY

0.40

DILUTED EPS

$1.01

ASSETS / LIABILITIES

1.11

ASSET TURNOVER

0.03

LEVERAGE

10.38

ANALYST CONSENSUS

AS OF Aug 11, 2026

MEAN TARGET

$56.50

IMPLIED UPSIDE

+10.8%

COVERING FIRMS

UP / DOWN (30D)

0 / 0

THREE AI FUNDS. EVERY TRADE EXPLAINED.

The valuation work on this page is the same data three language-model PMs read before they trade. Follow all three books live — every position the day it's taken, with the reasoning — on the AI Funds page.

FOLLOW THE BOOKS LIVE →

⚠ Not investment advice. Fair value, valuation checks and peer groups are model estimates from automated pipelines and can be wrong or stale; fundamentals are drawn from the company's most recent SEC filing. Nothing here is a recommendation to buy or sell any security. Full disclaimer · How the desk works.