RankAlpha logo
Back to Rankings

HMN

Horace Mann EducatorsB
NYSE / Insurance
Last Price
At close
2026-07-20
View Chart
Current thesis
The bull read after the May 6, 2026 earnings release is that HMN is showing durable multiline execution: strong P&C profitability, favorable mortality in Life & Retirement, continued sales momentum in supplemental/group, and maintained full-year guidance. That combination keeps the earnings-improvement narrative alive rather than looking like a one-quarter spike.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.4.
What can break
Life & Retirement fixed annuity spread was lower year over year, so investment spread pressure remains a watch item even with stable fee income and persistency.
Momentum
68
Value
56
Sentiment
46
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $48.00 · Bull $51.00 · Bear $40.00
Data freshness
Prices
As of 2026-07-20
Fundamentals
As of 2026-07-20 • Vendor: Data Vendor v1
Scores
As of 2026-07-20 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-08 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-20
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $52.00
Why
Momentum68 · Δ7d -14.5
Value56 · Δ7d +0.4
Sentiment46 · Δ7d -3.1
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
68
26% active weight
Current posture
7d trendFlat
Δ7d
-14.5
Δ21d
-7.1
Value
56
39% active weight
Current posture
7d trendFlat
Δ7d
+0.4
Δ21d
+0.7
Sentiment
46
34% active weight
Current posture
7d trendSoftening
Δ7d
-3.1
Δ21d
-3.4
Why this grade

Composite grade B. Momentum 67.7 / Value 55.7 / Sentiment 45.9

Fundamentals (TTM)
As of 2026-07-20
Market Cap
$2.08B
Beta
0.07
Shares Out
40.38M
P/E (TTM)
11.5
P/S (TTM)
1.11
P/FCF (TTM)
3.31
Rev YoY
+3.1%
EPS YoY
+8.9%
Gross Margin
-
Op Margin
+14.1%
Net Debt
$565.9M
Current Ratio
0.96
As of 2026-07-20 • Updated nightlySource: Internal modelMethodology