Horace Mann Educators Corporati (HMN) Stock Analysis
Range Bound setup
Financial Services · Insurance - Property & Casualty
Sell if holding. Analyst target reached at $45.64 — A.R:R is negative (-0.7) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Customer: one partner.
Horace Mann Educators is the largest multiline financial services company focused on U.S. educators, offering auto/home insurance, 403(b) retirement annuities, life insurance, and supplemental group benefits through three segments. Revenue comes from premiums, investment income,... Read more
Sell if holding. Analyst target reached at $45.64 — A.R:R is negative (-0.7) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Customer: one partner. Chart setup: RSI 59 mid-range, Bollinger mid-band. Score 5.8/10, moderate confidence.
Passes 4/7 gates (clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear). Fails on weak momentum and favorable risk/reward ratio and earnings proximity 5d<=7d. Suitability: aggressive.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHCustomerone partner10-K Item 1A: 'distribution highly concentrated in one partner'
Material Events(8-K, last 90d)
- 2026-03-27Item 5.02LOWRyan Greenier (EVP and CFO) appointed Interim Chief Accounting Officer during Maureen Temchuk maternity leave beginning approximately March 30, 2026 through approximately July 6, 2026.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
2 floor-breakers·1 ceiling hit
Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static
Momentum below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Analyst target reached at $45.64 — A.R:R is negative (-0.7) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Customer: one partner. Chart setup: RSI 59 mid-range, Bollinger mid-band. Prior stop was $43.86. Score 5.8/10, moderate confidence.
Take-profit target: $45.81 (+0.4% upside). Prior stop was $43.86. Stop-loss: $43.86.
Concentration risk — Customer: one partner; Analyst target reached - limited upside remaining; Leverage penalty (D/E 1.1): -0.5.
Horace Mann Educators Corporati trades at a P/E of 11.7 (forward 9.0). TrendMatrix value score: 8.9/10. Verdict: Sell.
8 analysts cover HMN with a consensus score of 3.8/5. Average price target: $52.
What does Horace Mann Educators Corporati do?Horace Mann Educators is the largest multiline financial services company focused on U.S. educators, offering auto/home...
Horace Mann Educators is the largest multiline financial services company focused on U.S. educators, offering auto/home insurance, 403(b) retirement annuities, life insurance, and supplemental group benefits through three segments. Revenue comes from premiums, investment income, and fee income; products are distributed through exclusive agents and worksite relationships.