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HMN

Horace Mann EducatorsB
NYSE / Insurance
Last Price
At close
2026-06-02
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
Momentum
What changed
Momentum remains the lead driver in the composite, 7D delta +4.2.
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
66
Value
55
Sentiment
54
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $48.00 · Bull $51.00 · Bear $40.00
Data freshness
Prices
As of 2026-06-02
Fundamentals
As of 2026-05-29 • Vendor: Data Vendor v1
Scores
As of 2026-06-02 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-08 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-06-02
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $49.33
Why
Momentum66 · Δ7d +4.2
Value55 · Δ7d -0.6
Sentiment54 · Δ7d +6.9
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Momentum · See technicals
Momentum
66
34% active weight
Current posture
7d trendImproving
Δ7d
+4.2
Δ21d
+1.5
Value
55
32% active weight
Current posture
7d trendFlat
Δ7d
-0.6
Δ21d
-1.2
Sentiment
54
33% active weight
Current posture
7d trendImproving
Δ7d
+6.9
Δ21d
+5.4
Why this grade

Composite grade B. Momentum 65.8 / Value 54.7 / Sentiment 53.7

Fundamentals (TTM)
As of 2026-05-29
Market Cap
$1.85B
Beta
0.07
Shares Out
40.68M
P/E (TTM)
11.5
P/S (TTM)
1.11
P/FCF (TTM)
3.31
Rev YoY
+7.0%
EPS YoY
+69.2%
Gross Margin
-
Op Margin
+14.1%
Net Debt
$513.9M
Current Ratio
-
As of 2026-06-02 • Updated nightlySource: Internal modelMethodology