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Horace Mann Educators Corporation

Horace Mann Educators Corporation

HMN
Horace Mann Educators CorporationUS flagNew York Stock Exchange
50.94
USD
-0.99
- -
2.06BMarket Cap
Horace Mann Educators Corporation
HMN
(New York Stock Exchange)

Recent

price

50.94

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
24.8
25.02
25.68
25.46
25.91
26.63
28.05
28.77
28.71
34.07
31.14
30.21
32.24
34.69
37.54
39.44
40.95
Revenue per Share
2.06
1.77
2.64
2.74
2.55
2.3
2.08
4.16
0.45
4.47
3.22
4.12
0.48
1.09
2.49
3.93
4.32
Basic EPS, GAAP
4.01
2.9
- -
- -
- -
- -
- -
6.3
4.9
3.09
6.27
4.95
4.12
7.31
10.95
13.43
13.81
Free Cash Flow per Basic Share
0.36
0.48
0.57
0.8
0.96
1.05
1.1
1.13
1.14
1.15
1.2
1.24
1.26
1.31
1.34
1.39
1.4
Dividend per Share
22.19
26.53
31.65
27.14
32.65
31.18
32.15
36.88
31.5
38.01
43.22
43.66
26.85
28.78
31.51
36.47
37.11
Book Value per Share
21
25.34
30.44
25.97
31.49
30.01
30.98
35.71
30.34
32.52
38.35
39.1
21
23.28
26.36
31.98
32.45
Tangible Book Value per Share
39
40
39
41
41
41
40
41
41
41
41
41
42
41
41
41
41
Basic Weighted Avg Shares
975
998
1,011
1,031
1,061
1,080
1,129
1,172
1,176
1,405
1,290
1,250
1,341
1,433
1,550
1,625
1,679
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
8
9
- -
- -
- -
- -
- -
7
7
16
23
18
28
26
26
27
27
Depreciation Expense
81
71
104
111
104
93
84
169
18
184
133
170
20
45
103
162
177
Net Income, GAAP
27.34
25.72
30.37
28.02
28.66
27.79
26.67
- -
6.11
22
16.48
18.9
- -
15.57
20.06
19.43
18.07
Effective Tax Rate (%)
8.3
7.06
10.28
10.75
9.83
8.65
7.42
14.46
1.56
13.13
10.34
13.63
1.48
3.14
6.63
9.98
10.56
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
200
200
200
200
200
247
247
297
298
298
302
254
249
546
547
593
594
LT Debt
880
1,055
1,246
1,099
1,336
1,265
1,294
1,502
1,291
1,567
1,790
1,807
1,098
1,175
1,288
1,483
1,503
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
8.77
6.71
8.2
8.59
7.86
6.67
6.05
- -
1.8
10.96
6.91
8.01
- -
4.22
7.34
9.79
10.41
Return on Capital (%)
10.11
7.29
9.03
9.46
8.56
7.19
6.55
12.12
1.31
12.9
7.94
9.47
1.36
3.96
8.35
11.7
12.38
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
593
594
594
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
41
40
40
Market Capitalization
1,878
1,723
2,092

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
634
498
506
Accounts Receivable, Net
419
422
409
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3.34%
-1.31%
15.16%
Free Cash Flow
- -
22.15%
22.36%
Net Income, GAAP
113.32%
50.57%
57.68%
Sales/Revenue/Turnover
4.4%
4.82%
4.81%
Total Cash Common Dividend
3%
2.86%
2.88%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
380
379
398
393
1,550
2025
400
392
417
419
1,625
2026
416
426
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.64
0.09
0.83
- -
2.49
2025
0.92
0.71
1.42
- -
3.93
2026
1.01
1.02
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.34
0.34
0.34
- -
1.34
2025
0.35
0.35
0.35
- -
1.39
2026
0.36
0.35
- -
- -
- -
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Business
Horace Mann Educators Corporation (NYSE: HMN) provides retirement, insurance, and financial services products tailored primarily to educators, school employees, and their families. The company offers a comprehensive suite of products and services including tax-qualified annuities, such as fixed and variable annuities; life insurance products, including term life, whole life, and universal life policies; supplemental health and accident insurance, such as dental, vision, disability income, and long-term care coverage; as well as retirement savings plans like 403(b) and 457 plans administered through its subsidiaries. It operates through three main segments: retirement products, life insurance, and supplemental insurance; with a focus on the U.S. market, primarily serving public and private K-12 educators via direct sales, employer-sponsored groups, and independent agents. Founded in 1945 and headquartered in Springfield, Illinois, Horace Mann maintains nationwide operations with no significant international presence and owns key subsidiaries including Horace Mann Life Insurance Company, Horace Mann Insurance Company, and TMK Realty, Inc. In recent developments, the company completed the acquisition of America's MoneyFirst Advisors in late 2023, expanding its wealth management capabilities and advisor network to better serve educator clients' comprehensive financial needs. Horace Mann also launched enhanced digital platforms and new variable annuity products in 2024 to improve accessibility and competitiveness in the retirement savings market. Additionally, it announced a strategic partnership with a leading fintech provider in mid-2025 to integrate advanced robo-advisory tools into its 403(b) offerings, reflecting a shift toward technology-driven personalization amid ongoing industry consolidation.

Company News

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