Horace Mann Educators Corp (HMN) Stock Analysis
Verdict: HOLD
Earnings recovery is fully priced in; heavy insider selling and 14% premium to analyst targets suggest limited 90-day upside.
Investment score: 64/100
Analysis as of
Is Horace Mann Educators Corp stock worth reviewing? The TradeMates thesis
Technical exhaustion near 52-week highs vs. strong operational turnaround.
7-factor investment score
- Valuation: 55/100 (weight 20%)
- Financial Health: 75/100 (weight 15%)
- Technical Momentum: 70/100 (weight 15%)
- Earnings Quality: 85/100 (weight 15%)
- Insider Sentiment: 20/100 (weight 10%)
- Analyst Consensus: 40/100 (weight 10%)
- Risk-Adjusted Return: 70/100 (weight 15%)
Horace Mann Educators Corp opportunities and risks
What speaks for HMN
- Earnings Momentum and Guidance Beat Potential
What speaks against HMN
- Aggressive Insider Selling Clusters
Peers and competitors
| Ticker | P/E | P/S | EV/EBITDA | Gross margin | Net margin | FCF yield |
|---|---|---|---|---|---|---|
| HMN | 11.9x | 1.2x | 9.3x | 41.8% | 10.0% | 24.6% |
| AAME | 8.9x | 0.2x | 4.9x | 18.9% | 2.5% | 53.1% |
| Peer median | 8.9x | 0.2x | 4.9x | 18.9% | 2.5% | 53.1% |
Frequently asked questions about Horace Mann Educators Corp (HMN)
Is HMN stock a good investment?
The TradeMates model rates Horace Mann Educators Corp as HOLD with an investment score of 64/100. Technical exhaustion near 52-week highs vs. strong operational turnaround. This is algorithmic model output, not personal investment advice.
Is HMN stock a buy?
The TradeMates model verdict for HMN is HOLD with an investment score of 64/100. Treat this as a model signal to review, not a personal buy recommendation.