Wall Street analyst estimates for Horace Mann Educators Corporation (HMN): consensus price target, buy/hold/sell recommendations and forecasts for revenue, EPS and EBITDA for the upcoming fiscal years.
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.
Analyst Consensus
| Strong Buy | 1 |
| Buy | 3 |
| Hold | 5 |
| Sell | 0 |
| Strong Sell | 0 |
| Total analysts | 9 |
| Avg rating (1-5) | 0.56 |
Recent Earnings Surprises
| Date | EPS Actual | EPS Est. | vs Est. |
|---|---|---|---|
| 2026-11-03 | $0.99 | ||
| 2026-08-05 | $1.17 | $0.79 | +48.7% |
| 2026-05-06 | $1.28 | $1.10 | +16.4% |
| 2026-02-03 | $1.21 | $1.18 | +2.5% |
| 2025-11-04 | $1.36 | $1.04 | +30.8% |
| 2025-08-06 | $1.06 | $0.61 | +73.8% |
| 2025-05-06 | $1.07 | $0.88 | +21.6% |
| 2025-02-05 | $1.62 | $1.04 | +55.8% |
Valuation Ratios
| P/E Ratio | 11.69 |
| Price / Book | 1.37 |
| EV / EBITDA | 9.09 |
| Dividend Yield | 2.82% |
Income Statement (10y)
| Year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.13B | $1.17B | $1.18B | $1.40B | $1.29B | $1.25B | $1.34B | $1.43B | $1.55B | $1.62B |
| Cost of Revenue | $829.8M | $883.1M | $953.6M | $907.1M | $873.4M | $841.3M | $1.01B | $1.08B | $1.07B | $1.05B |
| Gross Profit | $299.2M | $288.4M | $222.5M | $497.7M | $416.1M | $409.0M | $332.5M | $356.8M | $478.4M | $572.0M |
| Research & Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Selling, General & Admin | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Operating Expenses | $184.9M | $199.7M | $203.0M | $261.3M | $256.5M | $198.9M | $316.0M | $303.5M | $349.8M | $370.8M |
| Operating Income | $114.2M | $88.7M | $19.5M | $236.4M | $159.6M | $210.1M | $16.5M | $53.3M | $128.6M | $201.2M |
| EBITDA | $132.9M | $107.2M | $39.9M | $267.6M | $198.2M | $242.4M | $63.5M | $109.2M | $189.6M | $264.7M |
| Interest Expense | $11.8M | $11.9M | $13.0M | $15.6M | $15.2M | $13.9M | $19.4M | $29.7M | $34.6M | $36.4M |
| Pre-tax Income | $114.2M | $88.7M | $19.5M | $236.4M | $159.6M | $210.1M | $16.5M | $53.3M | $128.6M | $201.2M |
| Income Tax | $30.5M | -$80.8M | $1.2M | $52.0M | $26.3M | $39.7M | -$3.3M | $8.3M | $25.8M | $39.1M |
| Net Income | $83.8M | $169.5M | $18.3M | $184.4M | $133.3M | $170.4M | $19.8M | $45.0M | $102.8M | $162.1M |
| EPS | $2.08 | $4.16 | $0.45 | $4.47 | $3.22 | $3.45 | $0.48 | $1.09 | $2.49 | $3.93 |
| EPS (Diluted) | $2.02 | $4.08 | $0.44 | $4.40 | $3.22 | $3.39 | $0.47 | $1.09 | $2.48 | $3.90 |
| Shares Outstanding (Diluted) | $41.5M | $41.6M | $41.9M | $41.9M | $42.0M | $42.2M | $41.8M | $41.4M | $41.5M | $41.6M |
Price
| Price | $49.37 |
| Market Cap | $2.0B |
| Exchange | NYSE |
| Country | US |
Related companies: AHL · CHCO · NIC · NWBI · OFG · SKWD · SLDE
Explore sector: Financial Services · Insurance - Property & Casualty
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