HMN
Bearish signalScored 2026-09-09 Drivers: Congress, fundamentals. Moteurs : Congrès, fondamentaux.
Research, not advice.
À propos
Horace Mann Educators Corporation
- Nom
- Horace Mann Educators Corporation
- Secteur
- Financial Services
- Industrie
- Insurance - Property & Casualty
- Bourse
- NYSE
- Capitalisation
- $1.9B
- Employés
- 1,800
- PDG
- Marita Zuraitis
- Site web
- https://www.horacemann.com
- Marché
- AHLCHCONICNWBIOFGSKWD
Horace Mann Educators Corporation functions as an insurance holding company, conducting its operations through various subsidiaries throughout the United States. The company is structured into three main divisions: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits. It offers a comprehensive suite of personal insurance options, such as automobile and home coverage. Additionally, Horace Mann provides supplemental protection plans, addressing specific needs like cancer, cardiac conditions, hospitalization, extended disability, and accidental injuries. For financial planning, the corporation delivers tax-advantaged fixed and variable annuities, alongside a range of life insurance products including whole life, term life, and indexed universal life policies. Beyond insurance, the company also assists educators with student loan management via online platforms. Its extensive portfolio of services is distributed by a dedicated network of full-time, exclusive agents, primarily targeting K-12 teachers, school administrators, other public school personnel, and their families. Established in 1945, Horace Mann Educators Corporation is headquartered in Springfield, Illinois.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 7 500 titres (~346 641,58 $ US)
- Insiders
- ZURAITIS MARITA
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$1,724,377
Avg sell (VWAP, 90d window) $50.49 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
$802,580 of that total is under a Rule 10b5-1 plan. It is shown here and left out of the score.
- Last activity
- 2026-10-16
- Last synced
-
2026-10-21 22:33:13
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-10-16 | ZURAITIS MARITA | Sell · S | 4,767 | $46.23 | $220,383 | Form 4 |
| 2026-10-15 | ZURAITIS MARITA | Sell · S | 2,083 | $46.26 | $96,351 | Form 4 |
| 2026-10-08 | ZURAITIS MARITA | Sell · S · 10b5-1 | 550 | $46.01 | $25,307 | Form 4 |
| 2026-10-06 | ZURAITIS MARITA | Sell · S · 10b5-1 | 100 | $46.00 | $4,600 | Form 4 |
| 2026-09-03 | Carley Donald M | Sell · S | 2,054 | $52.28 | $107,385 | Form 4 |
| 2026-09-03 | Hines Perry G. | Sell · S | 3,237 | $52.22 | $169,036 | Form 4 |
| 2026-09-01 | ZURAITIS MARITA | Sell · S · 10b5-1 | 7,500 | $50.99 | $382,425 | Form 4 |
| 2026-08-12 | BRADLEY THOMAS A | Sell · S | 5,000 | $51.72 | $258,623 | Form 4 |
| 2026-08-12 | Reece Henry Wade | Sell · S | 1,359 | $51.52 | $70,018 | Form 4 |
| 2026-08-03 | ZURAITIS MARITA | Sell · S · 10b5-1 | 7,500 | $52.03 | $390,248 | Form 4 |
Sales marked 10b5-1 are scheduled in advance and don't count toward the Quorum score. Les ventes marquées 10b5-1 sont planifiées à l'avance et ne pèsent pas dans le score Quorum.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
| Date | Member | Side | Amount range | Filing |
|---|---|---|---|---|
| 2026-08-20 | Gilbert Cisneros | Buy | $1,001 - $15,000 | Filing |
| 2026-07-10 | Gilbert Cisneros | Buy | $1,001 - $15,000 | Filing |
| 2026-07-09 | Gilbert Cisneros | Buy | $1,001 - $15,000 | Filing |
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2026-08-20 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2026-07-10 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2026-01-05 | Gilbert Cisneros | Sale (Partial) | $1,001 - $15,000 |
| 2025-06-11 | Lisa C. McClain | Sale (Full) | $1,001 - $15,000 |
| 2025-06-09 | Lisa C. McClain | Purchase | $1,001 - $15,000 |
| 2025-04-09 | Josh Gottheimer | Sale (Partial) | $1,001 - $15,000 |
| 2023-07-14 | Josh Gottheimer | Purchase | $1,001 - $15,000 |
| 2023-06-13 | Josh Gottheimer | Sale (Partial) | $1,001 - $15,000 |
| 2020-10-16 | Josh Gottheimer | Purchase | $1,001 - $15,000 |
| 2020-09-15 | Josh Gottheimer | Sale (Partial) | $1,001 - $15,000 |
| 2020-09-02 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2020-05-19 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2020-03-10 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2020-02-24 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2020-02-21 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2020-02-18 | Josh Gottheimer | Purchase | $1,001 - $15,000 |
| 2020-02-14 | Josh Gottheimer | Purchase | $1,001 - $15,000 |
Signal
Bearish signalScored 2026-09-09 Drivers: Congress, fundamentals. Moteurs : Congrès, fondamentaux.
HMN presents a contradictory profile: strong fundamental trends and margin expansion are severely undermined by a critical liquidity score of 20, with current and quick ratios of 0.00 raising serious transparency and…
The first sentence of the analysis written for HMN on 2026-09-09 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Supports a bullish reading. 2 purchase disclosures year to date
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.00 · operating margin 12% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 35.2% | 30.9% | 24.9% | 24.8% | 32.7% | |
| Ebit Margin | 14.6% | 10.5% | 5.8% | 2.7% | 17.9% | |
| Ebitda Margin | 16.3% | 12.2% | 7.6% | 4.7% | 19.4% | |
| Operating Profit Margin | 12.4% | 8.3% | 3.7% | 1.2% | 16.8% | |
| Pretax Profit Margin | 12.4% | 8.3% | 3.7% | 1.2% | 16.8% | |
| Continuous Operations Profit Margin | 10.0% | 6.6% | 3.1% | 1.5% | 13.6% | |
| Net Profit Margin | 10.0% | 6.6% | 3.1% | 1.5% | 13.6% | |
| Bottom Line Profit Margin | 10.0% | 6.6% | 3.1% | 1.5% | 13.6% | |
| Current Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 26.998 | |
| Quick Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 26.998 | |
| Solvency Ratio | 0.014 | 0.010 | 0.006 | 0.004 | 0.015 | |
| Cash Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.534 | |
| Price To Earnings Ratio | 11.751 | 15.755 | 30.000 | 77.854 | 11.217 | |
| Price To Earnings Growth Ratio | 0.203 | 0.123 | 0.236 | -0.904 | 1.570 | |
| Forward Price To Earnings Growth Ratio | 0.203 | 0.123 | 0.236 | -0.904 | 1.570 | |
| Price To Earnings Diluted Ratio | 11.841 | 15.819 | 30.000 | 79.511 | 11.416 | |
| Price To Earnings Diluted Growth Ratio | 0.207 | 0.124 | 0.227 | -0.923 | 2.162 | |
| Price To Book Ratio | 1.295 | 1.258 | 1.149 | 1.415 | 0.886 | |
| Price To Sales Ratio | 1.181 | 1.045 | 0.943 | 1.159 | 1.281 | |
| Price To Free Cash Flow Ratio | 3.470 | 3.584 | 4.470 | 9.065 | 7.818 | |
| Price To Operating Cash Flow Ratio | 3.470 | 3.584 | 4.470 | 9.065 | 7.818 | |
| Debt To Assets Ratio | 0.039 | 0.038 | 0.039 | 0.037 | 0.035 | |
| Debt To Equity Ratio | 0.400 | 0.425 | 0.465 | 0.453 | 0.278 | |
| Debt To Capital Ratio | 0.286 | 0.298 | 0.317 | 0.312 | 0.218 | |
| Long Term Debt To Capital Ratio | 0.286 | 0.298 | 0.317 | 0.185 | 0.123 | |
| Financial Leverage Ratio | 10.296 | 11.253 | 11.954 | 12.115 | 7.958 | |
| Working Capital Turnover Ratio | 3.464 | 3.305 | 0.000 | 0.414 | 0.386 | |
| Operating Cash Flow Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.823 | |
| Operating Cash Flow Sales Ratio | 0.340 | 0.292 | 0.211 | 0.128 | 0.164 | |
| Free Cash Flow Operating Cash Flow Ratio | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | |
| Debt Service Coverage Ratio | 6.198 | 4.734 | 3.397 | 0.249 | 0.771 | |
| Interest Coverage Ratio | 5.527 | 3.717 | 1.795 | 0.851 | 15.115 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.689 | 0.823 | |
| Operating Cash Flow Coverage Ratio | 0.932 | 0.827 | 0.553 | 0.344 | 0.408 | |
| Capital Expenditure Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Dividend Paid And Capex Coverage Ratio | 9.688 | 8.146 | 5.605 | 3.260 | 3.986 | |
| Dividend Payout Ratio | 0.352 | 0.540 | 1.198 | 2.657 | 0.302 | |
| Enterprise Value Multiple | 9.394 | 11.256 | 17.102 | 31.660 | 8.133 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 35.2% | ▲4.3% | ▲5.5% |
| Ebit Margin | 14.6% | ▲4.1% | ▲4.3% |
| Ebitda Margin | 16.3% | ▲4.1% | ▲4.2% |
| Operating Profit Margin | 12.4% | ▲4.1% | ▲3.9% |
| Pretax Profit Margin | 12.4% | ▲4.1% | ▲3.9% |
| Continuous Operations Profit Margin | 10.0% | ▲3.4% | ▲3.0% |
| Net Profit Margin | 10.0% | ▲3.4% | ▲3.0% |
| Bottom Line Profit Margin | 10.0% | ▲3.4% | ▲3.0% |
| Current Ratio | 0.000 | 0.000 | ▼-5.400 |
| Quick Ratio | 0.000 | 0.000 | ▼-5.400 |
| Solvency Ratio | 0.014 | ▲0.004 | ▲0.004 |
| Cash Ratio | 0.000 | 0.000 | ▼-0.107 |
| Price To Earnings Ratio | 11.751 | ▼-4.004 | ▼-17.565 |
| Price To Earnings Growth Ratio | 0.203 | ▲0.081 | ▼-0.042 |
| Forward Price To Earnings Growth Ratio | 0.203 | ▲0.081 | ▼-0.042 |
| Price To Earnings Diluted Ratio | 11.841 | ▼-3.978 | ▼-17.876 |
| Price To Earnings Diluted Growth Ratio | 0.207 | ▲0.083 | ▼-0.153 |
| Price To Book Ratio | 1.295 | ▲0.036 | ▲0.094 |
| Price To Sales Ratio | 1.181 | ▲0.136 | ▲0.059 |
| Price To Free Cash Flow Ratio | 3.470 | ▼-0.114 | ▼-2.212 |
| Price To Operating Cash Flow Ratio | 3.470 | ▼-0.114 | ▼-2.212 |
| Debt To Assets Ratio | 0.039 | ▲0.001 | ▲0.001 |
| Debt To Equity Ratio | 0.400 | ▼-0.025 | ▼-0.004 |
| Debt To Capital Ratio | 0.286 | ▼-0.012 | ▼-0.000 |
| Long Term Debt To Capital Ratio | 0.286 | ▼-0.012 | ▲0.044 |
| Financial Leverage Ratio | 10.296 | ▼-0.956 | ▼-0.419 |
| Working Capital Turnover Ratio | 3.464 | ▲0.159 | ▲1.950 |
| Operating Cash Flow Ratio | 0.000 | 0.000 | ▼-0.165 |
| Operating Cash Flow Sales Ratio | 0.341 | ▲0.049 | ▲0.114 |
| Free Cash Flow Operating Cash Flow Ratio | 1.000 | 0.000 | 0.000 |
| Debt Service Coverage Ratio | 6.198 | ▲1.464 | ▲3.128 |
| Interest Coverage Ratio | 5.527 | ▲1.811 | ▲0.127 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | ▼-0.302 |
| Operating Cash Flow Coverage Ratio | 0.932 | ▲0.106 | ▲0.319 |
| Capital Expenditure Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Dividend Paid And Capex Coverage Ratio | 9.688 | ▲1.542 | ▲3.551 |
| Dividend Payout Ratio | 0.352 | ▼-0.188 | ▼-0.657 |
| Enterprise Value Multiple | 9.394 | ▼-1.862 | ▼-6.115 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $1.92B | $1.62B | $1.35B | $1.55B | $1.60B | |
| Enterprise value | $2.49B | $2.13B | $1.87B | $2.01B | $1.97B | |
| EV / Sales | 1.53x | 1.38x | 1.30x | 1.50x | 1.58x | |
| EV / Op. cash flow | 4.50x | 4.72x | 6.18x | 11.72x | 9.62x | |
| EV / Free cash flow | 4.50x | 4.72x | 6.18x | 11.72x | 9.62x | |
| EV / EBITDA | 9.39x | 11.26x | 17.10x | 31.66x | 8.13x | |
| Net debt / EBITDA | 2.14x | 2.71x | 4.73x | 7.18x | 1.52x | |
| Current ratio | 0.00x | 0.00x | 0.00x | 0.00x | 27.00x | |
| Income quality | 3.41x | 4.40x | 6.71x | 8.66x | 1.20x | |
| Graham number | $56 | $42 | $26 | $17 | $64 | |
| Graham net-net | -$309 | -$299 | -$170 | -$155 | -$139 | |
| Tax burden | 80.6% | 79.9% | 84.4% | 120.0% | 81.1% | |
| Interest burden | 84.7% | 78.8% | 64.2% | 46.0% | 93.8% | |
| Working capital | $0 | $938.1M | $0 | $0 | $6.47B | |
| Invested capital | $554.0M | $1.22B | $293.2M | $308.8M | $6.74B | |
| Return on assets | 1.1% | 0.7% | 0.3% | 0.1% | 1.2% | |
| Operating ROA | 1.4% | 0.9% | 0.4% | 0.1% | 1.5% | |
| Return on tangible assets | 1.1% | 0.7% | 0.3% | 0.2% | 1.2% | |
| Return on equity | 10.9% | 8.0% | 3.8% | 1.8% | 9.4% | |
| Return on invested capital | 1.1% | 0.7% | 0.0% | 6.6% | 0.8% | |
| Return on capital employed | 1.3% | 0.9% | 0.4% | 0.1% | 1.5% | |
| Earnings yield | 8.4% | 6.3% | 3.3% | 1.3% | 10.6% | |
| Free cash flow yield | 28.8% | 27.9% | 22.4% | 11.0% | 12.8% | |
| Capex / Op. cash flow | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Capex / Depreciation | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Capex / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| SG&A / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.6% | 0.6% | 0.7% | 0.7% | 0.7% | |
| Intangibles / Total assets | 3.6% | 1.5% | 1.6% | 1.8% | 1.3% | |
| Days sales outstanding | 94d | 100d | 122d | 127d | 45d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 94d | 100d | 122d | 127d | 45d | |
| Cash conversion cycle | 94d | 100d | 122d | 127d | 45d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-10-20 Horace Mann Educators (NYSE:HMN) CEO Marita Zuraitis Sells 4,767 Shares of Company Stock Horace Mann Educators Corporation (NYSE: HMN - Get Free Report) CEO Marita Zuraitis sold 4,767 shares of the business''s stock in a transaction dated Friday, October 16th. The shares were sold at an average price of $46.23, for a total value of $220,378.41. Following the completion of the sale, the chief executive officer directly owned 293,884
- 2026-10-20 Horace Mann Educators (NYSE:HMN) CEO Marita Zuraitis Sells 2,083 Shares of Stock Horace Mann Educators Corporation (NYSE: HMN - Get Free Report) CEO Marita Zuraitis sold 2,083 shares of Horace Mann Educators stock in a transaction dated Thursday, October 15th. The stock was sold at an average price of $46.26, for a total value of $96,359.58. Following the completion of the transaction, the chief executive officer owned 298,651
- 2026-10-19 Horace Mann (HMN) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Horace Mann (HMN) have what it takes?
- 2026-10-14 Horace Mann to announce third-quarter 2026 financial results on November 3 SPRINGFIELD, Ill.--(BUSINESS WIRE)--Horace Mann Educators Corporation (NYSE:HMN) plans to release its third-quarter 2026 results on Tuesday, November 3, after the market closes. At that time, the quarterly news release, investor supplement and investor presentation will be available on the company''s website at investors.horacemann.com. Management will host a conference call to discuss the financial results on Wednesday, November 4 at 10:00 AM Eastern Time. Investors can access the call webcast.
- 2026-10-07 Zacks Industry Outlook Prudential Financial, Assurant, Oscar and Horace Mann Prudential Financial, Assurant, Oscar and Horace Mann have been highlighted in this Industry Outlook article.
- 2026-10-06 5 Stocks to Buy From the Prosperous Multiline Insurance Industry Better pricing, product redesigns and technological advancements are expected to aid Zacks Multiline Insurance industry players like PRU, PFG, AIZ, OSCR and HMN.
- 2026-10-04 Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Horace Mann (HMN) have what it takes?
- 2026-10-01 Horace Mann Completes Acquisition of Employee Services, LLC SPRINGFIELD, Ill.--(BUSINESS WIRE)--Horace Mann Educators Corporation (NYSE: HMN) today announced it has completed its previously announced acquisition of all outstanding membership interests of Employee Services, LLC (ESI) from Medical Mutual of Ohio.ESI is an employee assistance program provider that helps employers support the well-being of their employees and families. Its services include confidential counseling, work-life assistance and other resources designed to help people address perso.
- 2026-10-01 Should Value Investors Buy Horace Mann Educators (HMN) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
- 2026-09-28 Best Value Stocks to Buy for September 28th MCY, EQNR and HMN made it to the Zacks Rank #1 (Strong Buy) value stocks list on September 28, 2026.