HMN Stock - Horace Mann Educators Corporation
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $1.55B | $1.43B | $1.34B | $1.25B | $1.29B |
| Gross Profit | $478.40M | $356.80M | $332.50M | $409.00M | $416.10M |
| Gross Margin | 30.9% | 24.9% | 24.8% | 32.7% | 32.3% |
| Operating Income | $128.60M | $53.30M | $16.50M | $210.10M | $159.60M |
| Net Income | $102.80M | $45.00M | $19.80M | $170.40M | $133.30M |
| Net Margin | 6.6% | 3.1% | 1.5% | 13.6% | 10.3% |
| EPS | $2.49 | $1.09 | $0.48 | $3.45 | $3.22 |
Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. It operates in three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits. The company underwrites and markets personal lines of property and casualty insurance, including personal lines auto and property insurance products; supplemental insurance products, which include cancer, heart, hospital, supplemental disability, and accident coverages; retirement products, such as tax-qualified fixed and variable annuities; and life insurance products comprising whole life and term, as well as indexed universal life insurance products. It also offers student loan solutions, including online student loan management accounts for educators. The company markets its products through its sales force of full-time exclusive agents to K-12 teachers, administrators, and other employees of public schools and their families. Horace Mann Educators Corporation was founded in 1945 and is headquartered in Springfield, Illinois.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| July 28th 2025 | BMO Capital Markets | Initiation | Outperform | $48 |
| November 12th 2024 | Keefe Bruyette | Downgrade | Market Perform | $44← $39 |
| August 6th 2024 | Raymond James | Initiation | Strong Buy | $42 |
| January 29th 2024 | Keefe Bruyette | Upgrade | Outperform | $40← $33 |
| January 25th 2023 | Piper Sandler | Downgrade | Neutral | $38← $42 |
| August 19th 2022 | Piper Sandler | Upgrade | Overweight | $42← $38 |
Earnings History & Surprises
HMNEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | May 4, 2026 | — | — | — | — |
Q1 2026 | Feb 3, 2026 | $1.18 | — | — | — |
Q4 2025 | Nov 4, 2025 | $1.04 | $1.36 | +30.8% | ✓ BEAT |
Q3 2025 | Aug 6, 2025 | $0.61 | $1.06 | +73.8% | ✓ BEAT |
Q2 2025 | May 6, 2025 | $0.88 | $1.07 | +21.6% | ✓ BEAT |
Q1 2025 | Feb 5, 2025 | $1.04 | $1.62 | +55.8% | ✓ BEAT |
Q4 2024 | Nov 4, 2024 | $0.72 | $0.76 | +5.6% | ✓ BEAT |
Q3 2024 | Aug 7, 2024 | $0.18 | $0.20 | +11.1% | ✓ BEAT |
Q2 2024 | May 8, 2024 | $0.78 | $0.60 | -23.1% | ✗ MISS |
Q1 2024 | Feb 7, 2024 | $0.66 | $0.84 | +27.3% | ✓ BEAT |
Q4 2023 | Nov 2, 2023 | $0.36 | $0.44 | +22.2% | ✓ BEAT |
Q3 2023 | Aug 1, 2023 | $0.02 | $0.03 | +33.3% | ✓ BEAT |
Q2 2023 | May 2, 2023 | $0.21 | $0.23 | +9.5% | ✓ BEAT |
Q1 2023 | Feb 7, 2023 | $-0.11 | $-0.06 | +45.5% | ✓ BEAT |
Q4 2022 | Nov 3, 2022 | $0.56 | $0.66 | +17.9% | ✓ BEAT |
Q3 2022 | Aug 4, 2022 | $-0.16 | $-0.01 | +93.8% | ✓ BEAT |
Q2 2022 | May 5, 2022 | $0.94 | $0.64 | -31.9% | ✗ MISS |
Q1 2022 | Feb 1, 2022 | $0.75 | $0.97 | +29.3% | ✓ BEAT |
Q4 2021 | Nov 3, 2021 | $0.38 | $0.50 | +31.6% | ✓ BEAT |
Q3 2021 | Aug 2, 2021 | $1.01 | $1.02 | +1.0% | ✓ BEAT |
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