(HMN) Horace Mann Educators - Ratings and Ratios

Horace Mann Educators Corporation (NYSE:HMN) is a U.S.-based insurance holding company specializing in providing insurance and financial services primarily to educators and educational institutions. Established in 1945 and headquartered in Springfield, Illinois, the company operates through three core segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits. Its product portfolio is tailored to address the unique financial needs of educators, offering a range of insurance and retirement solutions.

The Property & Casualty segment provides auto, home, and personal umbrella insurance, with coverage options including liability, collision, comprehensive, and property damage for homeowners and renters. The Life & Retirement segment offers a suite of annuities, retirement plans, and life insurance products, including term, whole life, and indexed universal life policies, designed to meet the financial planning needs of educators. The Supplemental & Group Benefits segment focuses on employer-sponsored benefits such as disability, critical illness, and accident insurance, as well as worksite direct products like cancer and disability coverage.

In addition to its insurance offerings, Horace Mann provides financial solutions including 403(b) retirement plans, mutual funds, student loan solutions, credit monitoring, and financial wellness workshops. The company distributes its products through a network of agents, brokers, benefit specialists, and direct-to-consumer digital channels. With a market capitalization of $1.735 billion and a return on equity of 7.98%, Horace Mann operates with a focus on serving the education community while maintaining a strong financial position.

3-Month Forecast:

Based on technical and fundamental data, HMN is expected to maintain a stable trajectory. The stocks short-term moving averages (SMA20: 40.78, SMA50: 41.14) indicate a bullish trend, while the SMA200 (37.81) reflects longer-term growth potential. Average trading volume (251,667 shares) suggests consistent liquidity. The ATR (1.23) indicates manageable volatility. Fundamentally, with a P/E ratio of 17.09 and P/B ratio of 1.35, HMN is reasonably valued, supported by its focus on the educator market and diversified product offerings. The company is likely to experience steady performance, driven by its niche market strategy and financial discipline.