Horace Mann Educators Corporati (HMN) Stock Analysis
Breakout setup
Financial Services · Insurance - Property & Casualty
Hold if already holding. Not a fresh buy at $48.49, but acceptable to hold if already in. Reasons: Concentration risk — Counterparty: single group benefits distribution partner; Analyst target reached - limited upside remaining.
Horace Mann Educators Corporation is an insurance holding company serving K-12 educators with auto, property, life, retirement (403(b)), and supplemental/group benefits products across three segments. The company reaches ~14 million educator households through exclusive agents,... Read more
Hold if already holding. Not a fresh buy at $48.49, but acceptable to hold if already in. Reasons: Concentration risk — Counterparty: single group benefits distribution partner; Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 60, MACD bullish. Maintain position. Not compelling to add more. Score 5.6/10, moderate confidence.
Passes 6/8 gates (positive momentum, clean insider activity, news events none recent, earnings proximity 51d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
Recent developments
updated 2026-06-15Recent Developments — Horace Mann Educators Corporati
Latest news
- NEWS AlphaQuest LLC Buys 21,721 Shares of Horace Mann Educators Corporation $HMN - MarketBeat — MarketBeat neutral
- NEWS Winners And Losers Of Q1: Horace Mann Educators (NYSE:HMN) Vs The Rest Of The Life Insurance Stocks - StockStory — StockStory neutral
- NEWS Horace Mann Educators Keeps Quarterly Dividend at $0.36 a Share, Payable June 30 to Shareholders of Record on June 15 - — marketscreener.com positive
- NEWS Horace Mann declares $0.36 quarterly dividend By Investing.com - Investing.com Australia — Investing.com Australia positive
- NEWS 5 Insightful Analyst Questions From Horace Mann Educators’s Q1 Earnings Call - StockStory — StockStory neutral
Generated 2026-06-15T18:11:46Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMGeographicCalifornia15%10-K Item 1: 'the top five states and their portion of total direct insurance premiums were California, 15.4%; Texas, 9.2%; North Carolina, 7.6%; Minnesota, 6.2%; and Georgia, 4.9%'
- HIGHcounterpartysingle group benefits distribution partner10-K Item 1A: 'distribution highly concentrated in one partner. If we are unable to retain our critical distribution partner or are unable to expand to additional distribution partners, our sales could be adversely impacted.'
Material Events(8-K, last 90d)
- 2026-03-27Item 5.02LOWMaureen Temchuk, VP Controller and Chief Accounting Officer, commencing maternity leave on or about March 30, 2026 until approximately July 6, 2026. Ryan Greenier, EVP and CFO, will serve as Interim Chief Accounting Officer during her leave.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
2 floor-breakers
Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static
Growth 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
Hold if already holding. Not a fresh buy at $48.49, but acceptable to hold if already in. Reasons: Concentration risk — Counterparty: single group benefits distribution partner; Analyst target reached - limited upside remaining. Chart setup: Golden cross, above all MAs, RSI 60, MACD bullish. Maintain position. Not compelling to add more. Target $48.25 (-0.5%), stop $46.15 (−5.1%), A.R:R -1.1:1. Score 5.6/10, moderate confidence.
Take-profit target: $48.25 (-0.5% upside). Target $48.25 (-0.5%), stop $46.15 (−5.1%), A.R:R -1.1:1. Stop-loss: $46.15.
Concentration risk — Counterparty: single group benefits distribution partner; Analyst target reached - limited upside remaining; Near 52-week high (2.2% away).
Horace Mann Educators Corporati trades at a P/E of 12.3 (forward 9.6). TrendMatrix value score: 8.0/10. Verdict: Hold.
7 analysts cover HMN with a consensus score of 3.9/5. Average price target: $52.
What does Horace Mann Educators Corporati do?Horace Mann Educators Corporation is an insurance holding company serving K-12 educators with auto, property, life,...
Horace Mann Educators Corporation is an insurance holding company serving K-12 educators with auto, property, life, retirement (403(b)), and supplemental/group benefits products across three segments. The company reaches ~14 million educator households through exclusive agents, digital, and worksite channels. California accounted for 15.4% and Texas 9.2% of direct P&C premiums in 2025.