Horace Mann Educators Corporati (HMN) Stock Analysis

Q: What is the HMN stock price target?

Take-profit $45.81 (+0.5% upside). Target $45.81 (+0.3%), stop $43.75 (−4.4%), A.R:R -0.6:1.

Q: Is HMN overvalued or undervalued?

Horace Mann Educators Corporati trades at a P/E of 11.8 (forward 9.1). TrendMatrix value score: 8.8/10. Overall verdict: Hold.

Q: What do analysts say about HMN?

8 analysts cover HMN with a consensus score of 3.8/5. Average price target: $52.

Momentum Cont setup

HoldModerate ConfidenceUpdated 2026-04-30

Financial Services · Insurance - Property & Casualty

Earnings in 6 days (2026-05-06). Expect elevated volatility around the report — consider waiting for post-earnings price action before new entries.

Hold if already holding. Not a fresh buy at $45.69, but acceptable to hold if already in. Reasons: Concentration risk — Customer: one partner; Analyst target reached - limited upside remaining.

Horace Mann Educators is the largest multiline financial services company focused on U.S. educators, offering auto/home insurance, 403(b) retirement annuities, life insurance, and supplemental group benefits through three segments. Revenue comes from premiums, investment income,... Read more

$45.69+0.5% A.UpsideScore 6.0/10#9 of 29 Insurance - Property & Casualty

Stop $43.75Target $45.81(resistance)A.R:R -0.6:1

Analyst target$51.50+12.7%2 analysts

$45.81our TP

$45.69price

$51.50mean

$53

Hold if already holding. Not a fresh buy at $45.69, but acceptable to hold if already in. Reasons: Concentration risk — Customer: one partner; Analyst target reached - limited upside remaining. Chart setup: Trend continuation, RSI 63, MACD bullish. Maintain position. Not compelling to add more. Score 6.0/10, moderate confidence.

Passes 5/7 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear). Fails on favorable risk/reward ratio and earnings proximity 6d<=7d. Suitability: aggressive.

Thesis

Rewards

Strong earnings beat streak (4/4)

Attractive valuation

Risks

Concentration risk — Customer: one partner

Analyst target reached - limited upside remaining

Leverage penalty (D/E 1.1): -0.5

Key Metrics

P/E (TTM)11.8

P/E (Fwd)9.1

Mkt Cap$1.9B

EV/EBITDA12.3

Profit Mgn9.5%

ROE11.7%

Rev Growth6.3%

Beta0.05

Dividend3.14%

Rating analysts8

Quality Signals

Piotroski F8/9

Options Flow

IV61%elevated

Concentration Risks(10-K Item 1A)

HIGHCustomerone partner
10-K Item 1A: 'distribution highly concentrated in one partner'

Material Events(8-K, last 90d)

2026-03-27Item 5.02LOW
Ryan Greenier (EVP and CFO) appointed Interim Chief Accounting Officer during Maureen Temchuk maternity leave beginning approximately March 30, 2026 through approximately July 6, 2026.
SEC filing →

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker·1 ceiling hit

Overall = weighted sum of the 10 dimension scores. Fundamentals (Value/Quality/Growth) carry 45%; market signals (Momentum/Sentiment/Insider/Peer) carry 40%; structure (Technical/Risk/Catalyst) carries 15%.

DimensionScoreWeightContribution

Value8.815%1.32

Quality5.215%0.78

Growth5.915%0.89

Momentum6.210%0.62

Sentiment5.610%0.56

Insider Activity5.010%0.50

Peer Rank3.310%0.33

Technical Setup5.05%0.25

Risk Profile6.85%0.34

Catalyst8.05%0.40

Overall (Σ contributions)5.99

Small float-rounding may cause last-digit differences between this sum and the displayed Overall.

Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static

Quality Rank

3.7

Growth Rank

4.1

Value Rank

5.3

GatesA.R:R -0.6=NEGATIVEEARNINGS PROXIMITY 6d<=7dMomentum 6.2>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTSEMI CYCLE PEAK CLEARMomentum ContSuitability: Aggressive

RSI

63 · Neutral

↑ 20D MA↑ 50D MA↑ 200D MADEATH CROSSSupport $42.43Resistance $46.75

Price Targets

$44

$46

A.Upside+0.3%

A.R:R-0.6:1

Position Sizing

ConvictionNone

Suggested %0.5%

Max %1%

RegimeSteady

Risk Alerts

! Target reached (-4.0% upside)

! Negative risk/reward — downside exceeds upside

! EARNINGS_PROXIMITY:6d<=7d

Earnings

4/4 beats

Next Earnings2026-05-06 (6d)

Verdict History

reverse chrono — latest first

Loading history...

Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.

Frequently Asked Questions

Is HMN stock a buy right now?

Hold if already holding. Not a fresh buy at $45.69, but acceptable to hold if already in. Reasons: Concentration risk — Customer: one partner; Analyst target reached - limited upside remaining. Chart setup: Trend continuation, RSI 63, MACD bullish. Maintain position. Not compelling to add more. Target $45.81 (+0.3%), stop $43.75 (−4.4%), A.R:R -0.6:1. Score 6.0/10, moderate confidence.

What is the HMN stock price target?

Take-profit target: $45.81 (+0.5% upside). Target $45.81 (+0.3%), stop $43.75 (−4.4%), A.R:R -0.6:1. Stop-loss: $43.75.

What are the risks of investing in HMN?

Concentration risk — Customer: one partner; Analyst target reached - limited upside remaining; Leverage penalty (D/E 1.1): -0.5.

Is HMN overvalued or undervalued?

Horace Mann Educators Corporati trades at a P/E of 11.8 (forward 9.1). TrendMatrix value score: 8.8/10. Verdict: Hold.

What do analysts say about HMN?

8 analysts cover HMN with a consensus score of 3.8/5. Average price target: $52.

What does Horace Mann Educators Corporati do?Horace Mann Educators is the largest multiline financial services company focused on U.S. educators, offering auto/home...