Horace Mann Educators (HMN): Buy, Sell, or Hold Post Q2 Earnings? Jabin Bastian Wed, October 14, 2026 at 10:52 AM EDT 3 min read HMN -0.63% ^GSPC -0.69% Trade HMN on Coinbase Trading disclosure Trading disclosure The above button links to Coinbase. Yahoo Finance is not a broker-dealer or investment adviser and does not offer securities or cryptocurrencies for sale or facilitate trading. Coinbase pays us for certain activity generated through this link. Prices displayed are informational.
Since April 2026, Horace Mann Educators has been in a holding pattern, posting a small return of 3.2% while floating around $45.80. The stock also fell short of the S&P 500's 12% gain during that period.
Is there a buying opportunity in Horace Mann Educators, or does it present a risk to your portfolio? See what our analysts have to say in our full research report, it's free.
We don't have much confidence in Horace Mann Educators. Here are three reasons you should be careful with HMN, plus one stock we'd rather own.
Net premiums earned are net of what's paid to reinsurers (insurance for insurance companies), which are used by insurers to protect themselves from large losses.
Horace Mann Educators's net premiums earned has grown at a 6.4% annualized rate over the last five years, slightly worse than the broader insurance industry.
We consider book value per share (BVPS) a critical metric for insurance companies. BVPS represents the total net worth per share, providing insight into a company's financial strength and ability to meet policyholder obligations.
Disappointingly for investors, Horace Mann Educators's BVPS grew at a mediocre 12% annual clip over the last two years.
Return on Equity, or ROE, ties everything together and is a vital metric. It tells us how much profit the insurer generates for each dollar of shareholder equity entrusted to management. Over a long period, insurers with higher ROEs tend to compound shareholder wealth faster through retained earnings, buybacks, and dividends.
Over the last five years, Horace Mann Educators has averaged an ROE of 6.8%, uninspiring for a company operating in a sector where the average shakes out around 12.5%.
Horace Mann Educators doesn't pass our quality test. With its shares lagging the market recently, the stock trades at 1.2× forward P/B (or $45.80 per share). This valuation multiple is fair, but we don't have much confidence in the company. There are better stocks to buy right now. We'd recommend looking at the most dominant software business in the world.
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