NYSE · Financial · Insurance - Property & Casualty · USA
Horace Mann Educators Corp is a small cap company (market value between $300 million and $2 billion) in the Insurance - Property & Casualty industry.
Horace Mann Educators Corporation is an insurance holding company offering auto, homeowners, life, and supplemental health coverage to educators and school employees. It provides retirement annuities, disability protection, and financial services through three business divisions. The company reaches customers nationwide via exclusive agents, broker partnerships, and digital platforms.
From its FY2025 annual report (Form 10-K)
Intrinsic value, DCF valuation, financial health and value investing analysis for the Horace Mann Educators Corp stock.
Undervalued: intrinsic value $60.68 per share, market price $46.46, margin of safety 23.4% (as of 2026-10-20).
Book value at 1.66x, the multiple a 12.4% return on equity justifies, blended with earnings, values the shares at $60.68; the price of $46.46 is 23% below that value.
Leak Score: 74/100 on 10 of 12 signals (Clear Leak).
17 more funds hold it; the full list is part of the paid plan.
All 45 Insurance - Property & Casualty stocks
12 more in this industry show a wider margin of safety.
HMN is undervalued (as of the 2026-10-20 close). Book value at 1.66x, the multiple a 12.4% return on equity justifies, blended with earnings, values the shares at $60.68; the price of $46.46 is 23% below that value.
$60.68 per share (as of the 2026-10-20 close), against a market price of $46.46. That is a margin of safety of 23.4%. The value is the average of the valuation methods that apply to this company, recomputed every night after the US close.
74 out of 100, which we rate "Clear Leak", on 10 of 12 value investing signals.