Insider buying last 90 days
No open-market insider purchases were filed for HMN in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every HMN insider filing, plotted on the chart in Gekko.Open HMN in Gekko
NYSE: HMN
Horace Mann Educators (HMN) Stock Analysis & Forecast
Oct 12 close
$45.61+0.05 (+0.1%)
Gekko Brief
AI summaryOct 12 closeHorace Mann Educators reported record second-quarter 2026 core earnings of $1.17 per share, a 10% increase year-over-year, prompting raised full-year guidance of $4.60 to $4.90 per share. Alongside this, several Form 144 filings and a Form 4 disclosed insider activity, including CEO Marita Zuraitis selling 100 shares for $4,600 and a separate planned sale of 550 shares valued at $25,307.42, both executed under pre-arranged trading plans. The company was also named alongside Prudential Financial, Assurant and Oscar in a broader industry outlook piece.
HMN closed at $45.61, down from its 50-day average of $49.30 but above its 200-day average of $46.82, reflecting a mixed trend with a one-month return of -6.5% and a three-month return of -12.8%. The GekkoIndex reads 64.5, placing the stock in the Accumulation zone, down 3.6 points over five days. The current price sits 12.7% below the Gekko Fair Value of $52.26.
Horace Mann's next earnings date falls on 3 November 2026, 22 days away, which lands within a typical 20-trading-day holding window. Over the last 90 days, Congress recorded 1 buy and 0 sells. Seasonally, the next 20 trading days have averaged a 7.8% return over 5 years, with gains in 4 of those years. The single analyst firm covering the stock maintains a buy rating with a consensus target of $56.50, implying 23.9% consensus upside.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
Horace Mann Educators price vs fair value
Close $45.61200-day averageGekko Fair Value $52.26
Horace Mann Educators quick facts
- Market cap
- $1.84B
- P/E ratio
- 10.7
- Forward P/E
- 9.3
- EPS, TTM
- $4.28
- Revenue, TTM
- $1.75B
- Profit margin
- 10.2%
- Dividend yield
- 3.15%
- Beta
- 0.10
- Volume
- 238,400 avg 350,672
- 1-year return
- +1.4%
- Typical daily move
- ±1.9%
- Typical 20-day move
- ±3.4%
- 50-day average
- $49.30
- 200-day average
- $46.82
- Next earnings
- Nov 3
- Shares outstanding
- 40.50M
Horace Mann Educators swing-trade checklist
Horace Mann Educators scores 4 supportive, 1 mixed and 1 headwind across the 6 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
4 supportive1 mixed1 headwind
- Trendmixed
Averages disagree
Close $45.61 sits between the 50-day ($49.30) and 200-day ($46.82) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
64.5, Accumulation
Reading 64.5 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
12.7% below
Price is 12.7% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneysupportive
Leans bullish
Last 90 days: Congress 1 buy / 0 sales.
See smart money - Earnings riskheadwind
Reports in 22 days
Reports on Nov 3, 2026, 22 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+7.8% on average
From this point in the calendar, the next 20 trading days averaged +7.8% over 5 years, rising in 4 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Horace Mann Educators stock chart and price history
Horace Mann Educators closed at $45.61 on Oct 12, 2026, +1.4% over the past year, inside a 52-week range of $41.29 to $55.56.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −6.5%
- 3 months
- −12.8%
- 6 months
- +1.9%
- 1 year
- +1.4%
The full HMN chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open HMN in Gekko
Follow Horace Mann Educators through every session
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Horace Mann Educators GekkoIndex: the smart money zone
Horace Mann Educators’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 64.5, in the Accumulation zone, down 3.6 points over five sessions.
64.5Accumulation
Down 3.6 points over five sessions.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days |
|---|---|---|---|
| Buying | 16 | 0.0% | +2.3% |
| Accumulation (current zone) | 211 | +0.6% | +1.9% |
| Neutral | 422 | +0.2% | +0.6% |
| Distribution | 23 | −2.5% | −3.3% |
| Selling | 10 | +2.9% | +5.6% |
Average HMN share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.2% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the HMN price, zone by zone.Track HMN in Gekko
Is Horace Mann Educators stock overvalued? Gekko Fair Value
Horace Mann Educators trades 12.7% below Gekko Fair Value of $52.26, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Horace Mann Educators shares are worth, recalculated every trading day.
$52.26
Gekko Fair Value, Oct 10, 2026
12.7% Undervalued
At the end of Aug 2026 the price was 7.3% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open HMN in Gekko
Horace Mann Educators insider and Congress trading
No open-market insider purchases were filed for Horace Mann Educators, and members of Congress disclosed 1 purchase and 0 sales, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
1trade disclosed: 1 purchase and 0 sales.
| Member | Amount | Disclosed |
|---|---|---|
| Gilbert Cisneros House, CA, purchase | $1,001 - $15,000 | Sep 11 traded Aug 20 |
From congressional disclosures, which report amounts as ranges.
Buybacks
Horace Mann Educators has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $100K
- As a share of market cap
- 0.01%
- Trailing four quarters
- $32.10M
From company filings.
Horace Mann Educators earnings: next date and track record
Horace Mann Educators reports on Nov 3, 2026 (22 days away), and beat the EPS estimate in 7 of its last 8 reports.
Next earnings report
Nov 3, 2026
22 days away
- EPS estimate
- $1.08
- Revenue estimate
- $320.0M
7 of 8reports beat the EPS estimate
±3.9%average move across the report
4 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Feb 3, 2026 AI summary
- What they said
- Horace Mann reported record 2025 core earnings per share of $4.71 and return on equity of 12.4%, driven by strong distribution initiatives, sales growth across segments (individual supplemental up ~40%, group benefits up ~33%), and favorable lower-than-normal catastrophe losses. Management normalized 2025 EPS to ~$3.95 excluding unusually light catastrophe losses and reserve development, and guided 2026 core EPS of $4.20–$4.50 (~10% increase) with total net investment income of $485–$495M and managed portfolio NII $385–$395M. P&C underlying combined ratio improved to 84.3% with auto combined ratio 96.5%. Management highlighted distribution gains (brand awareness +35%, agency force +15%) and investments in digital and partnerships; they also discussed expense actions including early retirement offers and reinvestment of savings. Capital deployment included share repurchases and strong free cash flow (80% conversion in 2025, targeting >75%). Risks discussed included uncertainty in catastrophe frequency, social inflation, inflation trends, commercial mortgage loan underperformance, and runoff of one commercial mortgage fund. Overall tone was confident and upbeat with prudent caveats around normalization and unknowns.
- Guidance
- 2026 core earnings per share: $4.20 to $4.50 (nearly 10% increase on normalized baseline). Total net investment income: $485M to $495M. Managed portfolio net investment income: $385M to $395M. Commercial mortgage loan fund returns: 6.5%; limited partnership returns: 8%. Catastrophe target for 2026: $90M. Normalized 2025 core EPS baseline: ~$3.95.
- Risks flagged
- Risks mentioned: variability in catastrophe losses (cat events), uncertainty in inflation trends, social inflation affecting liability, commercial mortgage loan underperformance and one fund in runoff (Sound Mark Partners), uncertainty in reinsurance pricing/modeling, fluctuations in prior-year reserve development, competitive auto market dynamics, and longer sales cycles for group benefits.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Feb 3, 2026 | $1.21 est $1.18 | $317.2M est $314.1M | −3.7% |
| Nov 3, 2025 | $1.36 est $0.96 | $417.1M est $430.9M | +1.2% |
| Aug 6, 2025 | $1.06 est $0.61 | $411.7M est $424.7M | +3.2% |
| May 6, 2025 | $1.07 est $0.88 | $416.4M est $420.2M | −1.2% |
| Feb 5, 2025 | $1.62 est $1.03 | $393.1M est $417.0M | +7.1% |
| Nov 4, 2024 | $0.76 est $0.75 | $412.1M est $412.1M | +5.1% |
| Aug 7, 2024 | $0.20 est $0.19 | $388.1M est $394.3M | −1.0% |
| May 8, 2024 | $0.60 est $0.78 | $386.0M est $280.8M | −8.3% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Horace Mann Educators stock forecast and analyst price targets
Analysts’ average 12-month price target for Horace Mann Educators is $56.50, +23.9% from the last close, from 1 firm rating the stock in the last 90 days.
$56.50consensus 12-month target, +23.9% from the last close
Each firm’s latest rating in the last 90 days: 1 firm.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Aug 13 | BMO Capital | $54 | +18.4% |
+1.9%average 20-day move after past Accumulation readings
+7.8%average move over the next 20 trading days in the last 5 years
±1.9%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Horace Mann Educators seasonality: the next 20 trading days
Over the next 20 trading days from Oct 10, Horace Mann Educators averaged +7.8% across the last 5 years, rising in 4 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +3.2% | 3 of 5 |
| Next 10 trading days | +3.1% | 4 of 5 |
| Next 15 trading days | +4.4% | 4 of 5 |
| Next 20 trading days | +7.8% | 4 of 5 |
| Next 30 trading days | +5.6% | 4 of 5 |
For scale, HMN’s typical 20-trading-day move in either direction is about 3.4%.
Horace Mann Educators market cap and key statistics
Horace Mann Educators’s market cap is $1.84B, with a P/E ratio of 10.7 and revenue of $1.75B over the last twelve months.
Valuation
- Market cap
- $1.84B
- P/E ratio
- 10.7
- Forward P/E
- 9.3
- EPS, TTM
- $4.28
- Gekko Fair Value
- $52.26
Trading
- Volume
- 238,400
- Avg volume, 20 days
- 350,672
- 52-week high
- $55.56
- 52-week low
- $41.29
- Shares outstanding
- 40.50M
Financials
- Revenue, TTM
- $1.75B
- Profit margin
- 10.2%
- Return on equity
- 12.4%
- Quarterly earnings growth, YoY
- +42.3%
Risk and income
- Beta
- 0.10
- Typical daily move
- ±1.9%
- Typical 20-day move
- ±3.4%
- Dividend yield
- 3.15%
Horace Mann Educators stock news this week
Coverage of Horace Mann Educators this week reads neutral: 1 positive, 6 neutral and 0 negative headlines.
- Form 144 HORACE MANN EDUCATORS CORP /DE/ For: 11 October By Investing.comInvesting.com South Africa, Oct 12
- Transcript: Horace Mann Educators Q2 2026 Earnings Conference CallBenzinga, Oct 12
- Form 144 HORACE MANN EDUCATORS CORP /DE/ For: 10 OctoberInvesting.com India, Oct 10
- Form 144 HORACE MANN EDUCATORS CORP /DE/ For: 10 October By Investing.comInvesting.com UK, Oct 10
- Horace Mann educators CEO Marita Zuraitis sells $4,600 stockInvesting.com, Oct 9
- Marita Zuraitis to Sell 550 Shares of Horace Mann Educators Corp (NYSE:HMN)Kalkine Media, Oct 8
Horace Mann Educators peers
Horace Mann Educators’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| BRK.ABerkshire Hathaway | Neutral | 0.1% above |
| BRK.BBerkshire Hathaway | Neutral | 1.2% below |
| CBChubb | Neutral | 1.8% below |
| TRVTravelers Companies | Neutral | 1.6% above |
| HIGHartford Insurance | Neutral | 7.1% below |
| MKLMarkel | Neutral | 3.3% below |
A peer links to its own page where one exists.
Horace Mann Educators stock FAQ
What is Horace Mann Educators’s market cap?
Horace Mann Educators’s market cap is $1.84B at the Oct 12, 2026 close of $45.61, with 40.50M shares outstanding. The shares trade on a P/E ratio of 10.7.
What is the Horace Mann Educators stock forecast?
The consensus analyst 12-month price target for Horace Mann Educators is $56.50, +23.9% from the last close. Of the 1 firm that rated the stock in the last 90 days, 1 rate it a buy, 0 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Horace Mann Educators stock overvalued or undervalued?
On Gekko’s estimate Horace Mann Educators is undervalued: the Oct 12, 2026 close of $45.61 is 12.7% below Gekko Fair Value of $52.26. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Horace Mann Educators report earnings next?
Horace Mann Educators is expected to report on Nov 3, 2026 (22 days away). Analysts expect earnings of $1.08 per share on revenue of $320.0M. Horace Mann Educators beat the earnings estimate in 7 of its last 8 reports, moving 3.9% on average across the report.
What is Horace Mann Educators’s 52-week high and low?
Horace Mann Educators’s 52-week high is $55.56 and its 52-week low is $41.29; it closed at $45.61 on Oct 12, 2026, +1.4% over the past year.
Is Horace Mann Educators stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 4 of the 6 items with data read as supportive (gekkoindex, fair value, smart money and seasonality), 1 as mixed (trend) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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