Horace Mann Educators Corporation (HMN) Stock Score, Valuation & Financial Research
Horace Mann Educators Corporation is in the Financial Services sector and Insurance - Property & Casualty industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 62/100.
Quick answer for HMN
Horace Mann Educators Corporation currently has a Wall Street Score of 62/100. The stored market price is $49.37. Its financial score is 49/100. Its valuation score is 97/100. The latest WSS change is +0.3 points. These figures are a research snapshot, not a buy or sell recommendation.
What Horace Mann Educators Corporation does
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 exte
HMN financial snapshot
- Wall Street Score:
- 62/100
- Current price:
- $49.37
- Market capitalization:
- $1.99B
- Revenue:
- $1.71B
- Net income:
- $177.3M
- Free cash flow:
- $553.2M
- Cash:
- $46.2M
- Total debt:
- $594.2M
- EPS:
- 3.93
- P/E ratio:
- 12.6x
- Financial score:
- 49/100
- Valuation score:
- 97/100
- Revenue score:
- 31/100
What stands out
- Reported year-over-year revenue growth is +0.1%.
- Free cash flow is $553.2M, showing positive cash generation.
- The balance sheet shows $46.2M of cash versus $594.2M of total debt, so leverage deserves attention.
- The latest Wall Street Score change is +0.3 points: HMN increased 0.3 points because Revenue improved by 4 points, Capital improved by 2 points.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 49/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-08-14.
How to research HMN
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.