Touchstone
Last syncNov 1, 2026, 6:55 PM ET

HMN

Horace Mann Educators Corp /de/ Financials Fire, Marine & Casualty Insurance Russell 3000
$46.72Close $3.1BMarket cap $41.18 – $54.1252-week range Nov 3, 2026Next report · after the close

Highlights

Strengths

  • Earnings growing EPS +43% year on year, faster than the quarter before (+34 pts)

Cautions

  • Not in an uptrend 3 of 8 trend conditions
  • Lagging the market RS 42 · weaker than 58% of stocks over 12 months
  • Results soon Nov 3, 2026, in 2 days

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Aug 7, 2026
Off 12-month high 14%
1wk up 0.9% price change
1mo up 4.8% price change
12-month return up 7% market up 11% · its own down 3%
F-score — — Not assessed
Altman Z — Unknown
P/E 19.4× price / earnings
PEG 0.34 P/E / EPS growth
P/B 2.1× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 7% year on year
EPS growth up 43% latest quarter · +34 pts
Sales growth up 8% latest quarter · +5 pts
ROE up 12% return on equity
Free cash margin —
D/E 0.40 long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest

Trade setup

ATR% 1.9% $0.89 a day · 2×ATR $44.95
RS 42 / 99 vs the universe
Trend 3 / 8 trend template
Relative volume 1.0× vs 50-day average
Up/down volume 0.76 50 sessions
Implied move — no option chain · report Nov 3, 2026
Trend template · 3 of 8
  • Price above the 150 and 200-day averages: fails
  • 150-day average above the 200-day: passes
  • 200-day average rising for a month: passes
  • 50-day average above the 150 and 200-day: fails
  • Price above the 50-day average: fails
  • At least 30% above the 52-week low: fails
  • Within 25% of the 52-week high: passes
  • RS rank 70 or higher: fails

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • No material dilution
  • Margins and revenue not shrinking
Last reported Aug 5, 2026
Results reaction Aug 5, 2026+4% vs market2 sessions after results

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $1.7B +7% on FY2024
$0 $2B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $1.3B FY2021 · $1.3B FY2022 · $1.4B FY2023 · $1.5B FY2024 · $1.6B FY2025 · $1.7B
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $162.1M +58% on FY2024
$0 $200M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $133.3M FY2021 · $142.8M FY2022 · -$2.6M FY2023 · $45.0M FY2024 · $102.8M FY2025 · $162.1M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net 10%
0% 20% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 10% FY2021 · Net 11% FY2022 · Net -0% FY2023 · Net 3% FY2024 · Net 6% FY2025 · Net 10%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $1B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $22.3M · Long-term debt $302.3M FY2021 · Cash $133.7M · Long-term debt $253.6M FY2022 · Cash $42.8M · Long-term debt $249.0M FY2023 · Cash $29.7M · Long-term debt $546.0M FY2024 · Cash $38.1M · Long-term debt $547.0M FY2025 · Cash $27.5M · Long-term debt $593.4M
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 67.32m +1.5% since FY2020
67.32m 66.32m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 66.32m FY2021 · 66.44m FY2022 · 66.62m FY2023 · 66.75m FY2024 · 67.03m FY2025 · 67.32m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $1.3B $1.3B $1.4B $1.5B $1.6B $1.7B
Net income $133.3M $142.8M -$2.6M $45.0M $102.8M $162.1M
Net margin 10% 11% -0% 3% 6% 10%
Earnings per share $3.17 $3.38 -$0.06 $1.09 $2.48 $3.90
Cash $22.3M $133.7M $42.8M $29.7M $38.1M $27.5M
Long-term debt $302.3M $253.6M $249.0M $546.0M $547.0M $593.4M
Shareholders' equity $1.8B $1.5B $1.1B $1.2B $1.3B $1.5B
Shares outstanding 66.32m 66.44m 66.62m 66.75m 67.03m 67.32m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Aug 7, 2026 Quarterly ↗ Jun 30, 2026 38d
May 8, 2026 Quarterly ↗ Mar 31, 2026 38d
Feb 27, 2026 Annual ↗ Dec 31, 2025 58d
Nov 7, 2025 Quarterly ↗ Sep 30, 2025 38d
Aug 6, 2025 Quarterly ↗ Jun 30, 2025 37d
May 6, 2025 Quarterly ↗ Mar 31, 2025 36d
Feb 28, 2025 Annual ↗ Dec 31, 2024 59d
Nov 4, 2024 Quarterly ↗ Sep 30, 2024 35d
Aug 7, 2024 Quarterly ↗ Jun 30, 2024 38d
May 8, 2024 Quarterly ↗ Mar 31, 2024 38d
Feb 27, 2024 Annual ↗ Dec 31, 2023 58d
Nov 7, 2023 Quarterly ↗ Sep 30, 2023 38d

Current reports

FiledDisclosed
Oct 1, 2026 Other events ↗
Aug 5, 2026 Results ↗
Jul 21, 2026 Material agreement · New obligation ↗
Jul 21, 2026 Material agreement · New obligation ↗
May 21, 2026 Shareholder vote ↗
May 6, 2026 Results ↗
Mar 27, 2026 Director or officer change ↗
Feb 3, 2026 Results ↗
Nov 4, 2025 Results ↗
Sep 29, 2025 Other events ↗
Sep 26, 2025 Other events ↗
Aug 13, 2025 Director or officer change ↗