US · HMN
Horace Mann Educators Corporation
- Sector
- Financial Services · Insurance - Property & Casualty
- Headquarters
- Springfield, IL 62715-0001
- Website
- horacemann.com
Price · as of 2025-12-31
$45.97
Market cap 1.77B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $98.47 | +114.2% |
| Intrinsic Value(DCF) | $25.09 | -45.42% |
| Graham-Dodd Method(GD) | $53.87 | +17.18% |
| Graham Formula(GF) | $68.27 | +48.5% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $11.32 | $13.62 | $17.70 | $26.98 | $18.44 |
| 2012 | $13.87 | $15.94 | $74.35 | $35.04 | $24.48 |
| 2013 | $20.09 | $31.19 | $197.93 | $27.60 | $27.49 |
| 2014 | $23.46 | $29.85 | $140.90 | $29.84 | $27.52 |
| 2015 | $23.20 | $35.36 | $147.25 | $25.81 | $22.70 |
| 2016 | $31.03 | $17.59 | $150.74 | $24.87 | $25.68 |
| 2017 | $33.88 | $31.92 | $150.05 | $39.53 | $48.96 |
| 2018 | $29.67 | $29.40 | $127.90 | $15.49 | $3.81 |
| 2019 | $33.17 | $13.27 | $46.33 | $41.97 | $119.33 |
| 2020 | $36.85 | $23.15 | $42.85 | $40.30 | $0.92 |
| 2021 | $35.30 | $32.47 | $35.30 | $44.57 | $21.66 |
| 2022 | $31.34 | $12.54 | $11.91 | $8.51 | $7.15 |
| 2023 | $32.74 | $13.10 | $20.34 | $13.02 | $15.95 |
| 2024 | $40.43 | $23.86 | $17.26 | $22.15 | $39.76 |
| 2025 | $44.42 | $98.47 | $12.32 | $53.87 | $68.27 |
AI valuation
Our deep-learning model estimates Horace Mann Educators Corporation's (HMN) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $98.47
- Current price
- $45.97
- AI upside
- +114.2%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$25.09
-45.42% upside
Graham-Dodd
$53.87
+17.18% upside
Graham Formula
$68.27
+48.5% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| HMN | Horace Mann Educators Cor… | $45.97 | 1.77B | +114% | -45% | +17% | +49% | 11.39 | 1.25 | 1.09 | — | 19.89 | 1.99 | 100.00% | 77.11% | 9.53% | 11.70% | -90.15% | 1.09% | 0.40 | 36.04 | — | — | — | 5726.00% | 974.00% | -7832.00% | 5.31% | — | -8.36% | 0.00% | 0.00% | 0.00% | -2.52 | -33.70 | -1.94 | 0.63 |
| AHL | ASPEN INSURANCE HOLDINGS … | $37.50 | 3.44B | — | — | -40% | +158% | — | — | — | — | — | — | 33.13% | 14.52% | 15.20% | 15.48% | -22.57% | 3.14% | 0.11 | 7.47 | — | — | -1.01 | -4669.00% | 1046.00% | 7017.00% | — | — | -26.13% | — | 51.40% | — | — | — | — | — |
| CHCO | City Holding Company | $119.97 | 1.73B | -49% | -7% | -15% | +2% | 13.31 | 2.15 | 4.43 | 12.57 | 100.02 | 2.66 | 79.01% | 41.46% | 33.28% | 16.94% | 11.99% | 1.98% | 0.64 | 1.92 | 0.03 | 0.03 | 2.43 | 1331.00% | 562.00% | 169.00% | 7.56% | 0.04 | 11.99% | 0.00% | 0.00% | 0.00% | 13.24 | 16.39 | 5.49 | -0.03 |
| NIC | Nicolet Bankshares, Inc. | $152.76 | 2.26B | -29% | -4% | -41% | -6% | 15.51 | 1.86 | 4.23 | 9.69 | 72.18 | 2.67 | 69.47% | 33.83% | 27.27% | 12.40% | 27.63% | 1.68% | 0.11 | 1.14 | 0.95 | 0.95 | -2.81 | 2149.00% | 639.00% | 2748.00% | 6.39% | 0.02 | 27.40% | 0.80% | 12.40% | 10.48% | 9.69 | 12.13 | 3.28 | 0.36 |
| NWBI | Northwest Bancshares, Inc… | $12.45 | 1.82B | +133% | -0% | -77% | +63% | 14.70 | 0.98 | 2.11 | 2.91 | 89.35 | 1.32 | 68.32% | 18.79% | 14.37% | 7.23% | 21.71% | 0.81% | 0.24 | 0.73 | 0.13 | 0.13 | 1.29 | 1646.00% | 1630.00% | -7470.00% | 1.71% | 0.00 | 5.46% | 5.93% | 87.20% | 5.93% | 2.91 | 15.11 | 0.55 | -0.65 |
| OFG | OFG Bancorp | $40.08 | 1.73B | -17% | -11% | -17% | +40% | 9.22 | 1.36 | 2.19 | 5.02 | 149.93 | 1.46 | 71.24% | 30.84% | 23.78% | 15.51% | -144.61% | 1.71% | 0.42 | 1.54 | 0.12 | 0.11 | -1.61 | 615.00% | 484.00% | -543.00% | 10.55% | 0.02 | -123.70% | 2.74% | 25.30% | 23.00% | 5.38 | 7.17 | 1.66 | -0.56 |
| SKWD | Skyward Specialty Insuran… | $46.47 | 1.88B | +54% | +1,853% | -29% | +124% | 16.19 | 2.42 | 1.68 | 5.24 | 57.57 | 2.72 | 28.57% | 13.31% | 10.35% | 16.33% | -28.78% | 3.56% | 0.15 | 16.08 | 6.41 | 5.90 | -0.01 | 2812.00% | 2817.00% | -1019.00% | 15.64% | 0.76 | -72.88% | 0.00% | 0.00% | 3.37% | 5.68 | 2.89 | 0.76 | 1.57 |
| SLDE | Slide Insurance Holdings,… | $19.00 | 2.36B | — | — | -39% | +624% | — | — | — | — | — | — | 49.78% | 31.88% | 23.75% | 59.97% | -269.35% | 13.37% | 0.11 | 71.92 | — | — | -1.57 | 13000.00% | 8074.00% | 2521.00% | — | — | -728.27% | — | 0.00% | — | — | — | — | — |
| STC | Stewart Information Servi… | $70.99 | 2.12B | +116% | -12% | -54% | +39% | 17.58 | 1.24 | 0.70 | 10.77 | 32.09 | 46.18 | 87.72% | 5.67% | 3.96% | 7.59% | 6.64% | 3.86% | 0.54 | 8.10 | — | — | 2.36 | 5479.00% | 1732.00% | 11619.00% | 10.13% | — | 10.50% | 0.00% | 0.00% | 0.00% | 15.71 | 12.64 | 0.89 | 2.45 |
| TY | Tri-Continental Corporati… | $33.09 | 1.73B | +45% | -25% | +100% | +516% | 5.00 | 0.84 | 4.99 | 5.00 | 16.72 | 0.84 | 100.00% | 99.72% | 99.72% | 17.57% | 17.57% | 17.53% | 0.00 | 501955.58 | 2.91 | 2.86 | 0.00 | 2992.00% | 2668.00% | — | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 5.00 | — | 4.99 | 224.40 |
| WT | WisdomTree, Inc. | $17.11 | 2.41B | +122% | +250% | -80% | +4% | 22.54 | 5.95 | 4.98 | 16.84 | 17.71 | -4.36 | 72.12% | 35.28% | 22.10% | 26.83% | 16.73% | 8.57% | 2.31 | 5.73 | 1.75 | 1.71 | 3.62 | 12727.00% | 1543.00% | 3170.00% | 6.07% | 0.53 | 18.68% | 0.70% | 15.90% | 4.88% | 17.21 | 20.08 | 6.07 | 2.42 |
About Horace Mann Educators Corporation
Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. It operates in three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits. The company underwrites and markets personal lines of property and casualty insurance, including personal lines auto and property insurance products; supplemental insurance products, which include cancer, heart, hospital, supplemental disability, and accident coverages; retirement products, such as tax-qualified fixed and variable annuities; and life insurance products comprising whole life and term, as well as indexed universal life insurance products. It also offers student loan solutions, including online student loan management accounts for educators. The company markets its products through its sales force of full-time exclusive agents to K-12 teachers, administrators, and other employees of public schools and their families. Horace Mann Educators Corporation was founded in 1945 and is headquartered in Springfield, Illinois.
- CEO
- Marita Zuraitis
- Employees
- 1.75K
- Beta
- 0.07
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($25.09 ÷ $45.97) − 1 = -45.42% (DCF, example).