Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
HMN 
Horace Mann Educators Corporation (HMN)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
03/21/2025: HMN (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 10.85% | Avg. Invested days 55 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 03/21/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.75B USD | Price to earnings Ratio 17.16 | 1Y Target Price 45 |
Price to earnings Ratio 17.16 | 1Y Target Price 45 | ||
Volume (30-day avg) 221742 | Beta 0.27 | 52 Weeks Range 30.97 - 43.46 | Updated Date 03/31/2025 |
52 Weeks Range 30.97 - 43.46 | Updated Date 03/31/2025 | ||
Dividends yield (FY) 3.28% | Basic EPS (TTM) 2.49 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 6.44% | Operating Margin (TTM) 13.89% |
Management Effectiveness
Return on Assets (TTM) 0.72% | Return on Equity (TTM) 8.35% |
Valuation
Trailing PE 17.16 | Forward PE - | Enterprise Value 2260359748 | Price to Sales(TTM) 1.11 |
Enterprise Value 2260359748 | Price to Sales(TTM) 1.11 | ||
Enterprise Value to Revenue 1.46 | Enterprise Value to EBITDA - | Shares Outstanding 40872000 | Shares Floating 40663534 |
Shares Outstanding 40872000 | Shares Floating 40663534 | ||
Percent Insiders 1.82 | Percent Institutions 106.62 |
Analyst Ratings
Rating 3.5 | Target Price 44 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Horace Mann Educators Corporation
Company Overview
History and Background
Horace Mann Educators Corporation was founded in 1945 by educators for educators. Initially focusing on auto insurance, it expanded into life insurance, retirement annuities, and other financial products tailored to the education community. It has grown through acquisitions and organic expansion to become a leading provider of financial solutions for educators.
Core Business Areas
- Property & Casualty: Offers auto and homeowners insurance, primarily to educators. Includes coverage for property damage, liability, and related risks.
- Life Insurance: Provides life insurance products such as term life, whole life, and universal life policies, catering to educators' long-term financial security needs.
- Retirement & Investments: Offers fixed and variable annuities, as well as other investment products, designed to help educators save for retirement. Includes 403(b) plans.
Leadership and Structure
The company is led by its CEO, Marita Zuraitis, and operates under a board of directors. The organizational structure includes various departments overseeing insurance operations, investment management, marketing, and other key functions. The core business segments are managed separately with integrated support functions.
Top Products and Market Share
Key Offerings
- Auto Insurance: Provides auto insurance policies specifically designed for educators, offering competitive rates and tailored coverage options. Market share data is difficult to pinpoint precisely for the educator segment. Competitors include State Farm, GEICO, and Liberty Mutual.
- Homeowners Insurance: Offers homeowners insurance policies with coverage for property damage, liability, and other risks. Market share data is difficult to pinpoint precisely for the educator segment. Competitors include State Farm, Allstate, and Travelers.
- Retirement Annuities (403(b) plans): Provides fixed and variable annuity products through 403(b) plans for educators, helping them save for retirement. Competitors include TIAA, Voya Financial, and Fidelity Investments.
Market Dynamics
Industry Overview
The insurance and financial services industry is highly competitive and regulated. Key trends include increasing digitalization, evolving customer expectations, and regulatory changes. The market for educators' financial needs is relatively stable but sensitive to economic conditions and demographic shifts.
Positioning
Horace Mann is positioned as a specialist provider focused on the educator market, differentiating itself through tailored products, dedicated service, and a strong understanding of educators' needs. This niche focus provides a competitive advantage over generalist providers.
Total Addressable Market (TAM)
The total addressable market consists of all educators in the United States eligible for insurance and retirement services. Exact market value is difficult to quantify, but it is estimated to be in the billions of dollars annually. Horace Mann is positioned to capture a significant portion of this TAM through its focus on educators.
Upturn SWOT Analysis
Strengths
- Strong brand recognition within the educator community
- Specialized product offerings tailored to educators' needs
- Established distribution network focused on educators
- Long-standing relationships with educator associations
- Strong capital position
Weaknesses
- Limited product diversification outside the educator market
- Higher expense ratio compared to larger, diversified insurers
- Sensitivity to fluctuations in interest rates and investment markets
- Geographic concentration in certain states
Opportunities
- Expanding product offerings to meet educators' evolving needs
- Leveraging technology to improve customer experience and efficiency
- Growing market share through targeted marketing and partnerships
- Acquiring or partnering with other companies to expand capabilities
- Capitalizing on the growing demand for financial planning services among educators
Threats
- Intense competition from larger, diversified insurers
- Regulatory changes impacting insurance and financial services
- Economic downturns affecting educators' income and savings
- Changes in demographic trends impacting the educator population
- Increasing cyber security risks
Competitors and Market Share
Key Competitors
- PRU
- MET
- TROW
Competitive Landscape
Horace Mannu2019s competitive advantage lies in its specialization and focus on educators. It faces competition from larger, diversified insurers with greater resources. To remain competitive, Horace Mann must continue to innovate and provide superior service to its target market.
Major Acquisitions
National Teachers Associates Life Insurance Company
- Year: 2023
- Acquisition Price (USD millions): 405
- Strategic Rationale: Expand Horace Mann's presence in the supplemental health market and diversify its product offerings for educators.
Growth Trajectory and Initiatives
Historical Growth: Horace Mann's historical growth has been steady, driven by organic expansion and strategic acquisitions. Historical growth rates should be updated with current financial data.
Future Projections: Future projections should be based on analyst estimates. Expected revenue growth, earnings growth, and profitability should be based on most up-to-date analyst reports.
Recent Initiatives: Recent strategic initiatives may include new product launches, technological investments, and partnerships. Information can be based on recent company press releases and investor relations updates.
Summary
Horace Mann is a stable company with a strong niche in the educator market. Its focus on this demographic provides a competitive advantage, but its lack of diversification outside this market presents a weakness. The company should capitalize on opportunities to expand its product offerings and leverage technology to improve efficiency. It needs to be mindful of competitive pressures and regulatory changes.
Similar Companies
- PRU
- MET
- TROW
- VOYA
- LNC
Sources and Disclaimers
Data Sources:
- Horace Mann Educators Corporation Investor Relations
- SEC Filings
- Analyst Reports
- Company Press Releases
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions can change rapidly, and past performance is not indicative of future results. Market Share data are estimates and may not reflect the actual market share.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Horace Mann Educators Corporation
Exchange NYSE | Headquaters Springfield, IL, United States | ||
IPO Launch date 1991-11-15 | President, CEO & Director Ms. Marita Zuraitis | ||
Sector Financial Services | Industry Insurance - Property & Casualty | Full time employees 1750 | Website https://www.horacemann.com |
Full time employees 1750 | Website https://www.horacemann.com | ||
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.
Upturn is now on iOS and Android!
Experience Upturn on your mobile. Install it now!
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.