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HMN
$47.67+1.08 (+2.32%)
After Hours$47.67+0.00 (+0.00%)· Last close Jun 9
Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
Horace Mann Educators Corporation in the Financial Services sector is trading at $47.67 with a market capitalization of $1.8B. Wall Street consensus targets $52.00 (2 analysts), implying a +9.1% move over the next 12 months. The stock is currently near its 52-week high of $48.33, remaining 7.5% above its 200-day moving average. On fundamentals, Piotroski 5/9 shows mixed financial quality, Altman Z in the distress zone. The Whystock Score of 80/100 reflects bullish alignment across trend, valuation and analyst targets.
Ecosystem Influences
Sell-side targets imply +9.1% upside over 12 months
Long-term trend bullish (price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Anchored to each ticker's own 5-year median trailing P/E, tilted by current ROE and growth. Fair P/E = own median P/E + (ROE × 10) + (max(revenue growth, earnings growth) × 15), capped at ±30% around the historical anchor. Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. Premium compounders like COST/MSFT are judged against their own multi-year norm rather than a sector median. Falls back to the sector-anchored formula (Tech ≈ 28, Comm Services ≈ 24, Utilities ≈ 18, Financials ≈ 14, etc.) for recent IPOs and tickers with insufficient history (< 24 monthly samples). Result is a normalised multiple gauge — not a price target.
Current Price$47.67
Potential Upside
36%
Whystock Fair Value$64.85
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Analyst Consensus2 analysts
Buy
Mean target$52.00+9.1%
Range$51.00 – $53.00
Fundamentals
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. ...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$1.83B
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
11.38
Beta
Defensive asset. Lower volatility than the S&P 500.
0.13
Div Yield
Strong income play. Yield provides a meaningful total return floor.
2.96%
ROE
Average efficiency. Growth may require heavy reinvestment.
11.23%
Volume
Today's trading volume
207,937
Recent News
Winners And Losers Of Q1: Horace Mann Educators (NYSE:HMN) Vs The Rest Of The Life Insurance Stocks
As the Q1 earnings season comes to a close, it’s time to take stock of this quarter’s best and worst performers in the life insurance industry, including Horace Mann Educators (NYSE:HMN) and its peers.
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5 Insightful Analyst Questions From Horace Mann Educators’s Q1 Earnings Call
Horace Mann Educators' first quarter results showed modest revenue growth and better-than-expected non-GAAP profitability, with management attributing performance to improvements in both its property and casualty insurance segment and continued expansion in higher-margin supplemental and group benefits lines. CEO Marita Zuraitis pointed to a 5-point improvement in the property and casualty combined ratio, driven by lower catastrophe costs and disciplined underwriting, as a significant contributo
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