HMN
Bearish signal
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. 1 purchase disclosure year to date, a thin reading
- Financial indicators Unavailable or mixed. Current ratio 0.00 · operating margin 12% — readings disagree
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
VENTE TOTALE: 24 596 titres (~1 270 350,04 $ US)
- Insiders
- Hines Perry G.ZURAITIS MARITAReece Henry WadeBRADLEY THOMAS A
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$1,270,350
Avg sell (VWAP, 90d window) $51.90 vs last close —
- Last activity
- 2026-09-03
- Last synced
-
2026-09-09 09:58:02
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-03 | Carley Donald M | Sell | 2,054 | $52.28 | $107,385 | Form 4 |
| 2026-09-03 | Hines Perry G. | Sell | 3,237 | $52.22 | $169,036 | Form 4 |
| 2026-09-01 | ZURAITIS MARITA | Sell | 7,500 | $50.99 | $382,425 | Form 4 |
| 2026-08-12 | BRADLEY THOMAS A | Sell | 5,000 | $51.72 | $258,623 | Form 4 |
| 2026-08-12 | Reece Henry Wade | Sell | 1,359 | $51.52 | $70,018 | Form 4 |
| 2026-08-03 | ZURAITIS MARITA | Sell | 7,500 | $52.03 | $390,248 | Form 4 |
| 2026-07-01 | ZURAITIS MARITA | Sell | 7,500 | $52.62 | $394,612 | Form 4 |
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
Market snapshot
Signal
Bearish signalScored 2026-09-09
HMN presents a contradictory profile: strong fundamental trends and margin expansion are severely undermined by a critical liquidity score of 20, with current and quick ratios of 0.00 raising serious transparency and…
The first sentence of the analysis written for HMN on 2026-09-09 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 35.2% | 30.9% | 24.9% | 24.8% | 32.7% | |
| Ebit Margin | 14.6% | 10.5% | 5.8% | 2.7% | 17.9% | |
| Ebitda Margin | 16.3% | 12.2% | 7.6% | 4.7% | 19.4% | |
| Operating Profit Margin | 12.4% | 8.3% | 3.7% | 1.2% | 16.8% | |
| Pretax Profit Margin | 12.4% | 8.3% | 3.7% | 1.2% | 16.8% | |
| Continuous Operations Profit Margin | 10.0% | 6.6% | 3.1% | 1.5% | 13.6% | |
| Net Profit Margin | 10.0% | 6.6% | 3.1% | 1.5% | 13.6% | |
| Bottom Line Profit Margin | 10.0% | 6.6% | 3.1% | 1.5% | 13.6% | |
| Current Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 26.998 | |
| Quick Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 26.998 | |
| Solvency Ratio | 0.014 | 0.010 | 0.006 | 0.004 | 0.015 | |
| Cash Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.534 | |
| Price To Earnings Ratio | 11.751 | 15.755 | 30.000 | 77.854 | 11.217 | |
| Price To Earnings Growth Ratio | 0.203 | 0.123 | 0.236 | -0.904 | 1.570 | |
| Forward Price To Earnings Growth Ratio | 0.203 | 0.123 | 0.236 | -0.904 | 1.570 | |
| Price To Earnings Diluted Ratio | 11.841 | 15.819 | 30.000 | 79.511 | 11.416 | |
| Price To Earnings Diluted Growth Ratio | 0.207 | 0.124 | 0.227 | -0.923 | 2.162 | |
| Price To Book Ratio | 1.295 | 1.258 | 1.149 | 1.415 | 0.886 | |
| Price To Sales Ratio | 1.181 | 1.045 | 0.943 | 1.159 | 1.281 | |
| Price To Free Cash Flow Ratio | 3.470 | 3.584 | 4.470 | 9.065 | 7.818 | |
| Price To Operating Cash Flow Ratio | 3.470 | 3.584 | 4.470 | 9.065 | 7.818 | |
| Debt To Assets Ratio | 0.039 | 0.038 | 0.039 | 0.037 | 0.035 | |
| Debt To Equity Ratio | 0.400 | 0.425 | 0.465 | 0.453 | 0.278 | |
| Debt To Capital Ratio | 0.286 | 0.298 | 0.317 | 0.312 | 0.218 | |
| Long Term Debt To Capital Ratio | 0.286 | 0.298 | 0.317 | 0.185 | 0.123 | |
| Financial Leverage Ratio | 10.296 | 11.253 | 11.954 | 12.115 | 7.958 | |
| Working Capital Turnover Ratio | 3.464 | 3.305 | 0.000 | 0.414 | 0.386 | |
| Operating Cash Flow Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.823 | |
| Operating Cash Flow Sales Ratio | 0.340 | 0.292 | 0.211 | 0.128 | 0.164 | |
| Free Cash Flow Operating Cash Flow Ratio | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | |
| Debt Service Coverage Ratio | 6.198 | 4.734 | 3.397 | 0.249 | 0.771 | |
| Interest Coverage Ratio | 5.527 | 3.717 | 1.795 | 0.851 | 15.115 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.689 | 0.823 | |
| Operating Cash Flow Coverage Ratio | 0.932 | 0.827 | 0.553 | 0.344 | 0.408 | |
| Capital Expenditure Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Dividend Paid And Capex Coverage Ratio | 9.688 | 8.146 | 5.605 | 3.260 | 3.986 | |
| Dividend Payout Ratio | 0.352 | 0.540 | 1.198 | 2.657 | 0.302 | |
| Enterprise Value Multiple | 9.394 | 11.256 | 17.102 | 31.660 | 8.133 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 35.2% | ▲4.3% | ▲5.5% |
| Ebit Margin | 14.6% | ▲4.1% | ▲4.3% |
| Ebitda Margin | 16.3% | ▲4.1% | ▲4.2% |
| Operating Profit Margin | 12.4% | ▲4.1% | ▲3.9% |
| Pretax Profit Margin | 12.4% | ▲4.1% | ▲3.9% |
| Continuous Operations Profit Margin | 10.0% | ▲3.4% | ▲3.0% |
| Net Profit Margin | 10.0% | ▲3.4% | ▲3.0% |
| Bottom Line Profit Margin | 10.0% | ▲3.4% | ▲3.0% |
| Current Ratio | 0.000 | 0.000 | ▼-5.400 |
| Quick Ratio | 0.000 | 0.000 | ▼-5.400 |
| Solvency Ratio | 0.014 | ▲0.004 | ▲0.004 |
| Cash Ratio | 0.000 | 0.000 | ▼-0.107 |
| Price To Earnings Ratio | 11.751 | ▼-4.004 | ▼-17.565 |
| Price To Earnings Growth Ratio | 0.203 | ▲0.081 | ▼-0.042 |
| Forward Price To Earnings Growth Ratio | 0.203 | ▲0.081 | ▼-0.042 |
| Price To Earnings Diluted Ratio | 11.841 | ▼-3.978 | ▼-17.876 |
| Price To Earnings Diluted Growth Ratio | 0.207 | ▲0.083 | ▼-0.153 |
| Price To Book Ratio | 1.295 | ▲0.036 | ▲0.094 |
| Price To Sales Ratio | 1.181 | ▲0.136 | ▲0.059 |
| Price To Free Cash Flow Ratio | 3.470 | ▼-0.114 | ▼-2.212 |
| Price To Operating Cash Flow Ratio | 3.470 | ▼-0.114 | ▼-2.212 |
| Debt To Assets Ratio | 0.039 | ▲0.001 | ▲0.001 |
| Debt To Equity Ratio | 0.400 | ▼-0.025 | ▼-0.004 |
| Debt To Capital Ratio | 0.286 | ▼-0.012 | ▼-0.000 |
| Long Term Debt To Capital Ratio | 0.286 | ▼-0.012 | ▲0.044 |
| Financial Leverage Ratio | 10.296 | ▼-0.956 | ▼-0.419 |
| Working Capital Turnover Ratio | 3.464 | ▲0.159 | ▲1.950 |
| Operating Cash Flow Ratio | 0.000 | 0.000 | ▼-0.165 |
| Operating Cash Flow Sales Ratio | 0.341 | ▲0.049 | ▲0.114 |
| Free Cash Flow Operating Cash Flow Ratio | 1.000 | 0.000 | 0.000 |
| Debt Service Coverage Ratio | 6.198 | ▲1.464 | ▲3.128 |
| Interest Coverage Ratio | 5.527 | ▲1.811 | ▲0.127 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | ▼-0.302 |
| Operating Cash Flow Coverage Ratio | 0.932 | ▲0.106 | ▲0.319 |
| Capital Expenditure Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Dividend Paid And Capex Coverage Ratio | 9.688 | ▲1.542 | ▲3.551 |
| Dividend Payout Ratio | 0.352 | ▼-0.188 | ▼-0.657 |
| Enterprise Value Multiple | 9.394 | ▼-1.862 | ▼-6.115 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $1.92B | $1.62B | $1.35B | $1.55B | $1.60B | |
| Enterprise value | $2.49B | $2.13B | $1.87B | $2.01B | $1.97B | |
| EV / Sales | 1.53x | 1.38x | 1.30x | 1.50x | 1.58x | |
| EV / Op. cash flow | 4.50x | 4.72x | 6.18x | 11.72x | 9.62x | |
| EV / Free cash flow | 4.50x | 4.72x | 6.18x | 11.72x | 9.62x | |
| EV / EBITDA | 9.39x | 11.26x | 17.10x | 31.66x | 8.13x | |
| Net debt / EBITDA | 2.14x | 2.71x | 4.73x | 7.18x | 1.52x | |
| Current ratio | 0.00x | 0.00x | 0.00x | 0.00x | 27.00x | |
| Income quality | 3.41x | 4.40x | 6.71x | 8.66x | 1.20x | |
| Graham number | $56 | $42 | $26 | $17 | $64 | |
| Graham net-net | -$309 | -$299 | -$170 | -$155 | -$139 | |
| Tax burden | 80.6% | 79.9% | 84.4% | 120.0% | 81.1% | |
| Interest burden | 84.7% | 78.8% | 64.2% | 46.0% | 93.8% | |
| Working capital | $0 | $938.1M | $0 | $0 | $6.47B | |
| Invested capital | $554.0M | $1.22B | $293.2M | $308.8M | $6.74B | |
| Return on assets | 1.1% | 0.7% | 0.3% | 0.1% | 1.2% | |
| Operating ROA | 1.4% | 0.9% | 0.4% | 0.1% | 1.5% | |
| Return on tangible assets | 1.1% | 0.7% | 0.3% | 0.2% | 1.2% | |
| Return on equity | 10.9% | 8.0% | 3.8% | 1.8% | 9.4% | |
| Return on invested capital | 1.1% | 0.7% | 0.0% | 6.6% | 0.8% | |
| Return on capital employed | 1.3% | 0.9% | 0.4% | 0.1% | 1.5% | |
| Earnings yield | 8.4% | 6.3% | 3.3% | 1.3% | 10.6% | |
| Free cash flow yield | 28.8% | 27.9% | 22.4% | 11.0% | 12.8% | |
| Capex / Op. cash flow | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Capex / Depreciation | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Capex / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| SG&A / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.6% | 0.6% | 0.7% | 0.7% | 0.7% | |
| Intangibles / Total assets | 3.6% | 1.5% | 1.6% | 1.8% | 1.3% | |
| Days sales outstanding | 94d | 100d | 122d | 127d | 45d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 94d | 100d | 122d | 127d | 45d | |
| Cash conversion cycle | 94d | 100d | 122d | 127d | 45d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+18.5%EV / Sales ▲+11.2%EV / EBITDA ▼-16.5%EV / Op. cash flow ▼-0.225Earnings yield ▲+0.021Graham number ▲+14.165
Profitability
Return on equity ▲+0.029Return on assets ▲+0.004Return on invested capital ▲+0.004Return on capital employed ▲+0.004Operating ROA ▲+0.005Income quality ▼-0.985Tax burden ▲+0.006
Efficiency
Days sales outstanding ▼-5.888Days payables outstanding n/aOperating cycle ▼-5.888Cash conversion cycle ▼-5.888Capex / Sales n/aR&D / Sales n/a
Balance-sheet strength
Current ratio n/aNet debt / EBITDA ▼-0.568Working capital ▼-938100000.000Invested capital ▼-667600000.000Intangibles / Total assets ▲+0.022
Change over 5 years
Valuation
Market cap ▲+19.8%EV / Sales ▼-2.9%EV / EBITDA ▲+15.5%EV / Op. cash flow ▼-5.127Earnings yield ▼-0.022Graham number ▼-7.647
Profitability
Return on equity ▲+0.015Return on assets ▼-0.001Return on invested capital ▲+0.002Return on capital employed ▼-0.002Operating ROA ▼-0.002Income quality ▲+2.210Tax burden ▼-0.005
Efficiency
Days sales outstanding ▲+49.396Days payables outstanding n/aOperating cycle ▲+49.396Cash conversion cycle ▲+49.396Capex / Sales n/aR&D / Sales n/a
Balance-sheet strength
Current ratio ▼-26.998Net debt / EBITDA ▲+0.618Working capital ▼-6473500000.000Invested capital ▼-6183400000.000Intangibles / Total assets ▲+0.023
Employee count
Peer market caps
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
| Date | Member | Side | Amount range | Filing |
|---|---|---|---|---|
| 2026-08-20 | Gilbert Cisneros | Buy | $1,001 - $15,000 | Filing |
| 2026-07-10 | Gilbert Cisneros | Buy | $1,001 - $15,000 | Filing |
| 2026-07-09 | Gilbert Cisneros | Buy | $1,001 - $15,000 | Filing |
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2026-07-10 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2026-01-05 | Gilbert Ray Cisneros | Sale (Partial) | $1,001 - $15,000 |
| 2025-06-11 | Lisa C. McClain | Sale (Full) | $1,001 - $15,000 |
| 2025-06-09 | Lisa C. McClain | Purchase | $1,001 - $15,000 |
| 2025-04-09 | Josh S. Gottheimer | Sale (Partial) | $1,001 - $15,000 |
| 2023-07-14 | Josh S. Gottheimer | Purchase | $1,001 - $15,000 |
| 2023-06-13 | Josh S. Gottheimer | Sale (Partial) | $1,001 - $15,000 |
| 2020-10-16 | Josh S. Gottheimer | Purchase | $1,001 - $15,000 |
| 2020-09-15 | Josh S. Gottheimer | Sale (Partial) | $1,001 - $15,000 |
| 2020-09-02 | Gilbert Ray Cisneros | Purchase | $1,001 - $15,000 |
| 2020-05-19 | Gilbert Ray Cisneros | Purchase | $1,001 - $15,000 |
| 2020-03-10 | Gilbert Ray Cisneros | Purchase | $1,001 - $15,000 |
| 2020-02-24 | Gilbert Ray Cisneros | Purchase | $1,001 - $15,000 |
| 2020-02-21 | Gilbert Ray Cisneros | Purchase | $1,001 - $15,000 |
| 2020-02-18 | Josh S. Gottheimer | Purchase | $1,001 - $15,000 |
| 2020-02-14 | Josh S. Gottheimer | Purchase | $1,001 - $15,000 |
Recent news
- 2026-09-02 Best Income Stocks to Buy for September 2nd CURI, HMN and LCUT made it to the Zacks Rank #1 (Strong Buy) income stocks list on September 2, 2026.
- 2026-09-02 Best Value Stocks to Buy for September 2nd LCUT, SLDE and HMN made it to the Zacks Rank #1 (Strong Buy) value stocks list on September 2, 2026.
- 2026-08-31 Horace Mann Declares Quarterly Dividend SPRINGFIELD, Ill.--(BUSINESS WIRE)--Horace Mann Educators Corporation (NYSE:HMN) today announced that the Board of Directors declared a regular quarterly cash dividend of $0.36 per share payable on September 30, 2026, to shareholders of record as of September 16, 2026.About Horace MannHorace Mann Educators Corporation is the largest multiline financial services company focused on helping America''s educators and others who serve the community achieve lifelong financial success. The company offers.
- 2026-08-31 Horace Mann (HMN) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Horace Mann (HMN) have what it takes?
- 2026-08-27 New Strong Buy Stocks for August 27th NVST, VIRT, ONTO, HMN and PROV have been added to the Zacks Rank #1 (Strong Buy) List on August 27th, 2026.
- 2026-08-27 Best Value Stocks to Buy for August 27th MCY, LEG and HMN made it to the Zacks Rank #1 (Strong Buy) value stocks list on August 27th, 2026.
- 2026-08-27 Best Income Stocks to Buy for August 27th BMA, PROV and HMN made it to the Zacks Rank #1 (Strong Buy) income stocks list on August 27th, 2026.
- 2026-08-18 Best Value Stocks to Buy for August 18th HMN and ALGT made it to the Zacks Rank #1 (Strong Buy) value stocks list on August 18, 2026.
- 2026-08-18 Best Income Stocks to Buy for August 18th HMC, HMN and ALL made it to the Zacks Rank #1 (Strong Buy) income stocks list on August 18, 2026.
- 2026-08-17 Horace Mann Educators: Raised Guidance Implies Further Upside Horace Mann Educators delivered record Q2 2026 core earnings, beating expectations by over 60% and raising FY 2026 EPS guidance. Recent acquisitions expand HMN''s client base beyond educators, expected to add 100 basis points to ROE and be immediately accretive. Book value per share rose 11.4% year-over-year; forward PE remains below 11, supporting the Buy rating and attractive valuation.