Lumida
/HMN
⌘K
Horace Mann Educators Corp

Horace Mann Educators Corp

HMN
$48.77USD-1.53%-0.76 today

MARKET CAP

2.0B

P/E (TTM)

9.9x

FWD P/E

10.6x

DAY RANGE

$49 – $50

52W RANGE

$41
$56

AI Summary

Stalk
Sell NowMedium

Stage 3 distribution confirmed by a decisive support failure and price breaking below the 9/21/50 EMAs, indicating bearish medium-term momentum. Short-term price action shows declining EMAs and follow-through selling, favoring immediate sell-side engagement. Long-term uptrend above the 200-day SMA remains intact but does not offset the current downside bias.

  • Q2 core EPS $1.17 grew >10% YoY on disciplined underwriting.
  • Raised full-year core EPS guidance to $4.60–$4.90 with 12.8% ROE.
  • Insiders sold >$107K stock; CEO disposed of 7.5K shares.
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$1.3B$1.4B$1.5B$1.6B$1.7B
YoY %+1.4%+3.9%+8.0%+6.9%+6.7%
P / Sales1.2x1.1x0.9x1.0x1.1x
EV / Sales10.6x9.9x9.5x9.3x9.2x
Gross Profit, Adj.$648.0M$546.4M$621.6M$739.1M$865.4M
YoY %+1.0%-15.7%+13.8%+18.9%+17.1%
Margin %48.7%39.5%41.7%46.3%50.9%
EV / Gross Profit21.7x25.1x22.9x20.0x18.1x
EBITDA, Adj.$242.4M$68.3M$109.2M$189.6M$264.7M
YoY %+16.4%-71.8%+59.9%+73.6%+39.6%
Margin %18.2%4.9%7.3%11.9%15.6%
EV / EBITDA58.1x201.1x130.4x78.0x59.2x
EBIT$224.0M$35.9M$83.0M$163.2M$237.6M
YoY %+28.1%-84.0%+131.2%+96.6%+45.6%
Margin %16.9%2.6%5.6%10.2%14.0%
EV / EBIT62.8x382.6x171.5x90.6x66.0x
Net Income$170.4M$19.8M$45.0M$102.8M$162.1M
YoY %+27.8%-88.4%+127.3%+128.4%+57.7%
Net Margin12.8%1.4%3.0%6.4%9.5%
EPS (GAAP)$4.04$0.47$1.09$2.48$3.90
YoY %+27.4%-88.4%+131.9%+127.5%+57.3%