HMN
Horace Mann Educators Corporation
NYSEUSDEQUITY
Financial Services
DELAYED
Last price
50.20
▼ 0.21 (0.42%)
MARKET · —
Price
Open
50.41
Prev close
50.41
Day high
50.95
Day low
50.23
Volume
202.59K
Market cap
$2.05B
P/E (TTM)
11.82
52W range
41.29 – 55.56
Trailing performance
Returnvs SPY
1W
-3.56%
-2.2%
1M
-1.38%
-5.1%
3M
+6.19%
+3.1%
6M
+17.35%
+6.3%
YTD
+9.57%
-2.7%
1Y
+11.31%
-8.7%
3Y
+78.17%
+4.0%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$2.05B
Enterprise value$2.41B
Revenue (TTM)$1.75B
Gross profit$689.50M
EBITDA$281.30M
Net income$177.30M
EPS (TTM)$4.28
Free cash flow$222.65M
Total cash$229.40M
Total debt$594.20M
Book value / share$37.11
Shares outstanding40.50M
Float40.25M
Short % of float3.20%
Dividend yield2.85%
Beta (5Y)0.10
Valuation & profitability ratios
Trailing P/E11.82
Forward P/E9.40
PEG ratio1.16
Price / sales—
Price / book1.36
EV / revenue1.38
EV / EBITDA8.58
Gross margin39.49%
Operating margin13.21%
Profit margin10.15%
Return on equity12.38%
Return on assets1.05%
Debt / equity39.54
Current ratio2.87
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Total revenue | $1.70B | $1.60B | $1.49B | $1.38B |
| Cost of revenue | $0 | $0 | $0 | $0 |
| Gross profit | $0 | $0 | $0 | $0 |
| R&D | — | — | — | — |
| SG&A | — | — | — | — |
| Operating income | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax provision | $0 | $0 | $0 | $0 |
| Net income | $162.10M | $102.80M | $45.00M | -$2.60M |
| EBIT | $0 | $0 | $0 | $0 |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Cash & equivalents | — | — | — | — |
| Short-term investments | — | — | — | — |
| Net receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Total current assets | — | — | — | — |
| Total assets | — | — | — | — |
| Total current liabilities | — | — | — | — |
| Long-term debt | — | — | — | — |
| Total liabilities | — | — | — | — |
| Retained earnings | — | — | — | — |
| Shareholder equity | — | — | — | — |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Net income | $162.10M | $102.80M | $45.00M | -$2.60M |
| Depreciation | — | — | — | — |
| Change in working capital | — | — | — | — |
| Operating cash flow | — | — | — | — |
| Capital expenditure | — | — | — | — |
| Investing cash flow | — | — | — | — |
| Dividends paid | — | — | — | — |
| Buybacks | — | — | — | — |
| Financing cash flow | — | — | — | — |
| Net change in cash | — | — | — | — |
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.73 | 1.17 | +60.3% |
| Mar 2026 | 1.10 | 1.28 | +16.4% |
| Dec 2025 | 1.18 | 1.21 | +2.8% |
| Sep 2025 | 1.11 | 1.36 | +22.3% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 1.01 | 2 | $444.20M | +1.3% |
| Next quarter | 1.34 | 2 | $449.90M | +3.5% |
| Current year | 4.82 | 3 | $1.77B | +3.9% |
| Next year | 5.38 | 3 | $2.07B | +17.2% |
Analyst targets & ownership
Mean target$56.50
High target$59.00
Low target$54.00
Implied upside12.55%
Analyst count2
ConsensusBUY
Strong buy / Buy0 / 2
Hold1
Sell / Strong sell0 / 0
Held by insiders1.59%
Held by institutions106.72%
Institutions holding371
Price targets, consensus spread, insider and institutional ownership.
Insider net activity
Net shares
+247.25K
Net buying
Buy transactions
21
292.19K shares
Sell transactions
10
44.94K shares
Net transactions
+31
Buys less sells
Sell : buy shares
0.2 : 1
Mixed
Insider-held shares
643.56K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 12, 26 | REECE HENRY WADE Director |
SELL | 1.36K | $70.02K | Direct |
| Aug 12, 26 | BRADLEY THOMAS A Director |
SELL | 5.00K | $258.62K | Direct |
| Aug 3, 26 | ZURAITIS MARITA Chief Executive Officer |
SELL | 7.50K | $390.25K | Direct |
| Jul 1, 26 | ZURAITIS MARITA Chief Executive Officer |
SELL | 7.50K | $394.61K | Direct |
| Jun 24, 26 | ZURAITIS MARITA Chief Executive Officer |
CONVERSION | 141.96K | $6.03M | Direct |
| Jun 2, 26 | ZURAITIS MARITA Chief Executive Officer |
SELL | 7.50K | $346.85K | Direct |
| May 20, 26 | HINES PERRY GLENN Director |
STOCK | 2.78K | $130.02K | Direct |
| May 20, 26 | KONEN MARK E Director |
STOCK | 2.78K | $130.02K | Direct |
| May 20, 26 | SARSYNSKI ELAINE A Director |
STOCK | 2.78K | $130.02K | Direct |
| May 20, 26 | BRADLEY THOMAS A Director |
STOCK | 2.78K | $130.02K | Direct |
| May 20, 26 | SAMUEL AALIYAH A Director |
STOCK | 2.78K | $130.02K | Direct |
| May 20, 26 | FETTER VICTOR Director |
STOCK | 3.96K | $185.02K | Direct |
| May 20, 26 | MCCLURE BEVERLEY J Director |
STOCK | 2.78K | $130.02K | Direct |
| May 20, 26 | REECE HENRY WADE Director |
STOCK | 2.78K | $130.02K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BRADLEY THOMAS A |
Director | 21.81K | Sale |
CARLEY DONALD M |
General Counsel | 28.46K | Stock Award(Grant) |
CONKLIN BRET A. |
Officer | 59.67K | Stock Gift |
DESROCHERS MARK R. |
Officer | 24.38K | Stock Award(Grant) |
FETTER VICTOR |
Director | 26.77K | Stock Award(Grant) |
HINES PERRY GLENN |
Director | 28.18K | Stock Award(Grant) |
JOHNSON KIMBERLY A |
Officer | 19.35K | Sale |
KONEN MARK E |
Director | 25.41K | Stock Award(Grant) |
REECE HENRY WADE |
Director | 41.80K | Sale |
ZURAITIS MARITA |
Chief Executive Officer | 307.13K | Sale |
Moving averages & technicals
SMA 10
51.53
-2.58% from price
SMA 20
51.91
-2.52% from price
SMA 50
51.56
-1.87% from price
SMA 100
48.50
+3.51% from price
SMA 200
46.37
+9.13% from price
EMA 12
51.41
-2.35% from price
EMA 26
51.59
-2.70% from price
EMA 50
50.90
-1.38% from price
RSI (14)
43.6
Neutral
MACD (12,26,9)
-0.18
Hist -0.28
ATR (14)
1.52
2.99% of price
Realised vol 30D
23.8%
Annualised
Bollinger upper
53.56
20, 2σ
Bollinger lower
50.25
20, 2σ
50 / 200 cross
Golden
51.56 vs 46.37
Trend bias
Above 200
+9.13%
Risk profile
Beta vs SPY
-0.07
Less volatile than market
Correlation to SPY
-0.04
Largely independent
Realised vol 30D
23.8%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-12.8%
Peak to trough
Max drawdown 5Y
-34.6%
Peak to trough
ATR 14
1.52
2.99% of price
Beta (reported)
0.10
5Y monthly, from filing
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Options analytics
Put / call volume
—
—
Put / call open interest
0.00
Positioning, not flow
Max pain
50.00
-1.2% from spot
ATM implied vol
84.6%
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
50.00
1 contracts
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
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PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.