Horace Mann Educators Corporation
$45.53
+$0.35 (+0.77%)
Jan 5, 2026
Price History (1Y)
Analysis
Horace Mann Educators Corporation is a financial services company within the insurance - property & casualty industry. The company operates on a significant scale, with a market capitalization of $1.85B and annual revenue of $1.68B, employing approximately 1750 individuals. From a financial health perspective, Horace Mann exhibits moderate profitability metrics. The company's gross margin stands at 37.7%, while its operating and profit margins are 18.3% and 9.8%, respectively. In terms of returns, the company generates a return on equity (ROE) of 12.0% and a return on assets (ROA) of 1.0%. Its balance sheet shows a debt-to-equity ratio of 58.48 and cash holdings of $244.80M against outstanding debt of $842.90M, yielding a current ratio of 3.27. Horace Mann's valuation context is reflected in its price-to-earnings (P/E) ratio of 11.53, with forward P/E at 9.75. The company has experienced revenue growth of 6.4% on a year-over-year basis and earnings growth of 68.7%. Dividend yield stands at 310.0%, with a payout ratio of 35.2%.
This analysis is AI-generated for informational purposes only and should not be considered financial advice. Data may be delayed or inaccurate. Always do your own research and consult a qualified financial advisor before making investment decisions.
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 through Property & Casualty, Life & Retirement, and Supplemental & Group Benefits segments. The Property & Casualty segment offers insurance products, including private passenger auto insurance, residential home insurance, and personal umbrella insurance; standard auto coverage including liability, collision, and comprehensive; and property coverage for homeowners and renters. The Life & Retirement segment markets tax-qualified fixed, fixed indexed, and variable annuities; the Horace Mann Retirement Advantage open architecture platform and other defined contribution plans; traditional term, whole life insurance products, and indexed universal life (IUL) products. This segment also offers Life by Design, a portfolio of individual whole life and individual term insurance products that address the financial planning needs of educators; Life Select, a combination product that mixes a base of either traditional whole life, 20-pay life, or life paid-up at age 65 with a variety of term riders; single premium whole life products; and cash value term. The Supplemental & Group Benefits segment offers employer-sponsored products, including accident, critical illness, limited-benefit fixed indemnity insurance, term life, and short-term and long-term disability, as well as worksite direct products, such as supplemental heart, cancer, disability, and accident coverages. The company offers individual protection and savings solutions, including auto insurance, property insurance, liability insurance, 403(b) retirement plans, mutual funds, life insurance, student loan solutions, credit monitoring, and financial wellness workshops. It distributes its products and services through agents, brokers, and benefit specialists, as well as direct and digital channels. The company was founded in 1945 and is headquartered in Springfield, Illinois.
Visit website →Key Statistics
- Market Cap
- $1.85B
- P/E Ratio
- 11.53
- 52-Week High
- $48.33
- 52-Week Low
- $36.20
- Avg Volume
- 234.15K
- Beta
- 0.08
- Dividend Yield
- 310.00%
Company Info
- Industry
- Insurance - Property & Casualty
- Exchange
- NYQ
- Country
- United States
- Employees
- 1,750