HMN Horace Mann Educators Corporation Common Stock

NYSE · Insurance
$45,96
Preço · Abr 24, 2026
Fundamentais a partir de Fev 27, 2026
Intervalo 52 Semanas
$40–$48
71% of range
Classificação do Analista
HOLD
8 analysts
Preço-Alvo
$52
+12% upside
P/E (TTM)
11.8
ROE
11.7%
Margem de Lucro Líquido
9.5%

HMN Instantâneo da Ação Preço, capitalização de mercado, P/E, EPS, ROE, dívida/patrimônio, intervalo de 52 semanas

Preço
$45.96
Capitalização de Mercado
—
P/E (TTM)
11.8
EPS (TTM)
$3.90
Receita (TTM)
$1.70B
Rendimento div.
—
ROE
11.7%
Dívida/Capital
0.0
Intervalo 52 Semanas
$40 – $48

HMN Gráfico de Preço da Ação Daily OHLCV with technical indicators — pan, zoom, and customize your view

Desempenho de 10 Anos Tendências de receita, lucro líquido, margens e EPS

Receita e Lucro Líquido $1.70B
10-point trend, +50.7%
2016-12-31 → 2025-12-31
EPS $3.90
10-point trend, +93.1%
2016-12-31 → 2025-12-31
Fluxo de caixa livre —
Margens 9.5%

Avaliação Rácios P/E, P/S, P/B, EV/EBITDA — a ação está cara ou barata?

Métrica
Tendência de 5 anos
HMN
Mediana de Pares
P/E (TTM)
5-point trend, +23.6%
11.8
11.2

Lucratividade Margens bruta, operacional e líquida; ROE, ROA, ROIC

Métrica
Tendência de 5 anos
HMN
Mediana de Pares
Net Profit Margin (Margem de Lucro Líquido)
5-point trend, -11.3%
9.5%
6.0%
ROA
5-point trend, +5.8%
1.1%
1.2%
ROE
5-point trend, +47.7%
11.7%
8.2%

Saúde financeira Dívida, liquidez, solvência — força do balanço patrimonial

Métrica
Tendência de 5 anos
HMN
Mediana de Pares
Debt / Equity (Dívida / Patrimônio Líquido)
5-point trend, -100.0%
0.0
34.5

Crescimento Crescimento da receita, EPS e lucro líquido: YoY, CAGR 3 anos, CAGR 5 anos

Métrica
Tendência de 5 anos
HMN
Mediana de Pares
Revenue YoY (Receita Ano a Ano)
5-point trend, +28.0%
6.7%
—
Revenue CAGR 3Y (CAGR Receita 3A)
5-point trend, +28.0%
7.2%
—
Revenue CAGR 5Y (CAGR Receita 5A)
5-point trend, +28.0%
5.4%
—
EPS YoY
5-point trend, -3.5%
57.3%
—
Net Income YoY (Lucro Líquido Ano a Ano)
5-point trend, -4.9%
57.7%
—

Métricas por Ação EPS, valor patrimonial por ação, fluxo de caixa por ação, dividendo por ação

Métrica
Tendência de 5 anos
HMN
Mediana de Pares
EPS (Diluted) (EPS (Diluído))
5-point trend, -3.5%
$3.90
—

Eficiência de Capital Giro de ativos, giro de estoques, giro de contas a receber

Métrica
Tendência de 5 anos
HMN
Mediana de Pares
Payout Ratio (Índice de Pagamento)
5-point trend, -2.1%
35.2%
—

Dividendos Rendimento, índice de pagamento, histórico de dividendos, CAGR de 5 anos

Dividend Yield
—
Índice de Pagamento
35.2%
CAGR Dividendos 5 anos
—
Data exValor
17 de Março de 2026$0,3600
15 de Dezembro de 2025$0,3500
16 de Setembro de 2025$0,3500
16 de Junho de 2025$0,3500
17 de Março de 2025$0,3500
16 de Dezembro de 2024$0,3400
16 de Setembro de 2024$0,3400
13 de Junho de 2024$0,3400
14 de Março de 2024$0,3400
13 de Dezembro de 2023$0,3300
14 de Setembro de 2023$0,3300
14 de Junho de 2023$0,3300
15 de Março de 2023$0,3300
14 de Dezembro de 2022$0,3200
15 de Setembro de 2022$0,3200
14 de Junho de 2022$0,3200
16 de Março de 2022$0,3200
15 de Dezembro de 2021$0,3100
15 de Setembro de 2021$0,3100
15 de Junho de 2021$0,3100

HMN Consenso dos Analistas Opiniões de analistas otimistas e pessimistas, preço-alvo de 12 meses, potencial de alta

COMPRA 8 analistas
  • Compra forte 2 25,0%
  • Compra 2 25,0%
  • Manter 4 50,0%
  • Venda 0 0,0%
  • Venda forte 0 0,0%

Preço-alvo de 12 meses

2 analistas · 2026-04-26
Alvo mediano $51.50 +12,1%
Alvo médio $51.50 +12,1%

Histórico de Lucros EPS real vs. estimativa, surpresa %, taxa de acerto, próxima data de resultados

Surpresa Média
0.20%
Período EPS Actual EPS est. Surpresa
31 de Dezembro de 2025 $1.21 $1.19 0.02%
30 de Setembro de 2025 $1.36 $1.12 0.24%
30 de Junho de 2025 $1.06 $0.60 0.46%
31 de Março de 2025 $1.07 $0.98 0.09%

Comparação com pares Métricas chave vs pares do setor

Ticker Capitalização de Mercado P/E Receita YoY Margem Líquida ROE Margem Bruta
HMN — 11.8 6.7% 9.5% 11.7% —
AAME $31M -6.7 0.77% -2.3% -4.2% —

Fundamentos Completos Todas as métricas por ano — demonstração de resultados, balanço patrimonial, fluxo de caixa

Demonstração de Resultados 12
Dados anuais de Demonstração de Resultados para HMN
Métrica Tendência 202520242023202220212020201920182017201620152014
Revenue 12-point trend, +60.4% $1.70B $1.60B $1.49B $1.38B $1.33B $1.31B $1.43B $1.19B $1.17B $1.13B $1.08B $1.06B
Operating Expenses 10-point trend, +106.4% $334M $295M $267M $256M · · $235M $205M $188M $173M $157M $162M
Interest Expense 12-point trend, +156.4% $36M $35M $30M $19M $14M $15M $16M $13M $12M $12M $13M $14M
Interest Income 6-point trend, +10.7% · · · · · · $375M $387M $383M $371M $342M $338M
Pretax Income 12-point trend, +37.7% $201M $129M $53M $16M $210M $160M $236M $20M $89M $114M $129M $146M
Income Tax 12-point trend, -6.6% $39M $26M $8M $-3M $40M $26M $52M $1M $-81M $30M $36M $42M
Net Income 12-point trend, +55.5% $162M $103M $45M $20M $170M $133M $184M $18M $169M $84M $93M $104M
EPS (Basic) 12-point trend, +57.2% $3.93 $2.49 $1.09 $0.48 $4.06 $3.18 $4.42 $0.44 $4.10 $2.04 $2.23 $2.50
EPS (Diluted) 12-point trend, +57.9% $3.90 $2.48 $1.09 $0.47 $4.04 $3.17 $4.40 $0.44 $4.08 $2.02 $2.20 $2.47
Shares (Basic) 12-point trend, -99.9% 41,200,000 41,300,000 41,300,000 41,600,000 42,000,000 41,900,000 41,700,000 41,570,492 41,364,546 41,158,349 41,914,864 41,646,281,000
Shares (Diluted) 12-point trend, -99.9% 41,600,000 41,500,000 41,400,000 41,800,000 42,200,000 42,000,000 41,900,000 41,894,232 41,564,979 41,475,516 42,424,806 42,230,559,000
EBITDA 12-point trend, +240.5% $27M $26M $26M $28M $18M $23M $16M $7M $7M $7M $8M $8M
Balanço Patrimonial 18
Dados anuais de Balanço Patrimonial para HMN
Métrica Tendência 202520242023202220212020201920182017201620152014
Cash & Equivalents 12-point trend, +135.5% $28M $38M $29M $42M $133M $22M $25M $12M $8M $17M $16M $12M
PP&E (Net) 12-point trend, +128.2% $71M $73M $69M $69M $66M $65M $60M $41M $39M $32M $26M $31M
PP&E (Gross) 12-point trend, +36.7% $148M $143M $129M $148M $136M $131M $167M $142M $134M $121M $108M $108M
Accum. Depreciation 12-point trend, -0.2% $77M $70M $61M $79M $70M $67M $106M $101M $95M $89M $82M $77M
Goodwill 12-point trend, +14.6% $54M $54M $54M $54M $44M $44M $49M $47M $47M $47M $47M $47M
Intangibles 8-point trend, +141500000.00 $142M $156M $170M $185M $145M $158M $177M $0 · · · ·
Other Non-current Assets 5-point trend, +50.8% $434M $408M $358M $329M $288M · · · · · · ·
Total Assets 12-point trend, +56.3% $15.27B $14.49B $14.05B $13.31B $14.46B $13.47B $12.48B $11.03B $11.20B $10.58B $10.06B $9.77B
Short-term Debt 8-point trend, +0.00 $0 $0 $0 $249M $249M $135M $135M $0 · · · ·
Total Liabilities 12-point trend, +63.5% $13.78B $13.20B $12.87B $12.21B $12.58B $11.68B $10.91B $9.74B $9.70B $9.28B $8.79B $8.43B
Long-term Debt 12-point trend, +196.8% $593M $547M $546M $249M $254M $302M $298M $298M $297M $247M $247M $200M
Total Debt 6-point trend, -100.0% $0 · $0 $249M $249M $135M $135M · · · · ·
Common Stock 12-point trend, +56.2% $100.0K $100.0K $100.0K $100.0K $100.0K $100.0K $66.0K $66.0K $65.0K $65.0K $65.0K $64.0K
Retained Earnings 12-point trend, +55.0% $1.65B $1.55B $1.50B $1.51B $1.52B $1.43B $1.35B $1.22B $1.23B $1.16B $1.12B $1.07B
Treasury Stock 12-point trend, +27.0% $553M $532M $524M $517M $493M $488M $486M $486M $481M $479M $458M $436M
AOCI 3-point trend, -42.4% · · · · · · · · · $164M $163M $285M
Stockholders' Equity 12-point trend, +10.9% $1.48B $1.29B $1.18B $1.10B $1.50B $1.79B $1.57B $1.29B $1.50B $1.29B $1.26B $1.34B
Liabilities + Equity 12-point trend, +56.3% $15.27B $14.49B $14.05B $13.31B $14.38B $13.47B $12.48B $11.03B $11.20B $10.58B $10.06B $9.77B
Fluxo de Caixa 13
Dados anuais de Fluxo de Caixa para HMN
Métrica Tendência 202520242023202220212020201920182017201620152014
D&A 12-point trend, +240.5% $27M $26M $26M $28M $18M $23M $16M $7M $7M $7M $8M $8M
Stock-based Comp 9-point trend, +18.7% $10M $10M $10M $9M $8M $7M $7M $8M $9M · · ·
Deferred Tax 12-point trend, -280.7% $-17M $6M $2M $-3M $12M $9M $20M $-3M $-85M $4M $6M $10M
Amort. of Intangibles 9-point trend, +14300000.00 $14M $14M $15M $17M $13M $14M $9M $0 $0 · · ·
Other Non-cash 12-point trend, +270.5% $371M $307M $220M $146M $31M $87M $-100M $178M $165M $113M $100M $100M
Operating Cash Flow 12-point trend, +149.3% $553M $452M $302M $172M $205M $260M $128M $201M $257M $211M $208M $222M
Investing Cash Flow 12-point trend, +55.4% $-252M $-136M $-107M $-215M $-302M $-407M $56M $-186M $-229M $-325M $-416M $-566M
Debt Issued 3-point trend, -0.8% $295M $0 $298M · · · · · · · · ·
Net Debt Issued $295M · · · · · · · · · · ·
Dividends Paid 12-point trend, +45.5% $57M $56M $54M $53M $51M $50M $47M $47M $46M $44M $43M $39M
Financing Cash Flow 12-point trend, -192.5% $-312M $-308M $-208M $-48M $208M $144M $-170M $-10M $-37M $115M $212M $337M
Net Change in Cash 9-point trend, -17.2% $-11M $8M $-13M $-91M $111M $-3M $14M $4M $-9M · · ·
Taxes Paid 8-point trend, +18.9% $35M $22M $14M · · · · $9M $16M $28M $25M $29M
Lucratividade 5
Dados anuais de Lucratividade para HMN
Métrica Tendência 202520242023202220212020201920182017201620152014
Net Margin 12-point trend, -3.1% 9.5% 6.4% 3.0% -0.19% 10.7% 10.2% 12.9% 1.5% 14.5% 7.4% 8.6% 9.8%
Pretax Margin 12-point trend, -14.2% 11.8% 8.1% 3.6% -0.86% 13.2% 12.2% 16.5% 1.6% 7.6% 10.1% 12.0% 13.8%
EBITDA Margin 12-point trend, +112.0% 1.6% 1.7% 1.8% 2.0% 1.4% 1.8% 1.1% 0.62% 0.56% 0.61% 0.72% 0.75%
ROA 12-point trend, -2.7% 1.1% 0.72% 0.33% -0.02% 1.0% 1.0% 1.6% 0.17% 1.6% 0.81% 0.94% 1.1%
ROE 12-point trend, +47.4% 11.7% 8.0% 4.0% -0.24% 7.9% 7.6% 11.7% 1.4% 11.7% 6.1% 7.3% 7.9%
Liquidez e Solvência 1
Dados anuais de Liquidez e Solvência para HMN
Métrica Tendência 202520242023202220212020201920182017201620152014
Debt / Equity 6-point trend, -100.0% 0.0 · 0.0 0.2 0.1 0.1 0.1 · · · · ·
Eficiência 1
Dados anuais de Eficiência para HMN
Métrica Tendência 202520242023202220212020201920182017201620152014
Asset Turnover 12-point trend, +0.3% 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1
Por Ação 5
Dados anuais de Por Ação para HMN
Métrica Tendência 202520242023202220212020201920182017201620152014
Revenue / Share 12-point trend, +62.8% $40.90 $38.44 $36.04 $33.08 $31.52 $31.17 $34.10 $28.44 $28.19 $0.03 $25.47 $25.12
Cash Flow / Share 12-point trend, +153.0% $13.30 $10.89 $7.30 $4.10 $4.86 $6.18 $3.04 $4.80 $6.17 $0.01 $4.88 $5.26
Dividend / Share 4-point trend, +9.4% $1 $1 $1 $1 · · · · · · · ·
Dividend Paid / Share 10-point trend, +43.5% · · $1 $1 $1 $1 $1 $1 $1 $1 $1 $1
EPS (TTM) 12-point trend, +57.9% $3.90 $2.48 $1.09 $0.47 $4.04 $3.17 $4.40 $0.44 $4.08 $2.02 $2.20 $2.47
Taxas de Crescimento 10
Dados anuais de Taxas de Crescimento para HMN
Métrica Tendência 202520242023202220212020201920182017201620152014
Revenue YoY 5-point trend, +362.5% 6.7% 6.9% 8.0% 3.9% 1.4% · · · · · · ·
Revenue CAGR 3Y 3-point trend, +62.7% 7.2% 6.3% 4.4% · · · · · · · · ·
Revenue CAGR 5Y 5.4% · · · · · · · · · · ·
EPS YoY 5-point trend, +108.7% 57.3% 127.5% 131.9% -88.4% 27.4% · · · · · · ·
EPS CAGR 3Y 3-point trend, +442.2% 102.5% -15.0% -29.9% · · · · · · · · ·
EPS CAGR 5Y 4.2% · · · · · · · · · · ·
Net Income YoY 5-point trend, +107.3% 57.7% 128.4% 127.3% -88.4% 27.8% · · · · · · ·
Net Income CAGR 3Y 3-point trend, +434.4% 101.6% -15.5% -30.4% · · · · · · · · ·
Net Income CAGR 5Y 4.0% · · · · · · · · · · ·
Dividend CAGR 5Y 2.9% · · · · · · · · · · ·
Avaliação (TTM) 6
Dados anuais de Avaliação (TTM) para HMN
Métrica Tendência 202520242023202220212020201920182017201620152014
Revenue TTM 12-point trend, +60.4% $1.70B $1.60B $1.49B $1.38B $1.33B $1.31B $1.43B $1.19B $1.17B $1.13B $1.08B $1.06B
Net Income TTM 12-point trend, +55.5% $162M $103M $45M $20M $170M $133M $184M $18M $169M $84M $93M $104M
P/E 12-point trend, -11.9% 11.8 15.8 30.0 79.5 9.6 13.3 9.9 85.1 10.8 21.2 15.1 13.4
Earnings Yield 12-point trend, +13.6% 8.5% 6.3% 3.3% 1.3% 10.4% 7.5% 10.1% 1.2% 9.2% 4.7% 6.6% 7.4%
Payout Ratio 12-point trend, -6.4% 35.2% 54.0% 119.8% -2023.1% 36.0% 37.2% 25.7% 254.5% 27.2% 52.9% 45.5% 37.6%
Annual Payout 12-point trend, +45.5% $57M $56M $54M $53M $51M $50M $47M $47M $46M $44M $43M $39M

Demonstrações Financeiras Demonstração de resultados, balanço patrimonial, fluxo de caixa — anual, últimos 5 anos

Demonstração de Resultados
2025-12-312024-12-312023-12-312022-12-312021-12-31
Receita $1.70B$1.60B$1.49B$1.38B$1.33B
Lucro líquido $162M$103M$45M$20M$170M
EPS Diluído $3.90$2.48$1.09$0.47$4.04
Balanço Patrimonial
2025-12-312024-12-312023-12-312022-12-312021-12-31
Dívida / Patrimônio Líquido 0.0—0.00.20.1

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