Horace Mann Educators Net Income
| HMN Stock | USD 42.95 0.32 0.75% |
As of the 11th of February 2026, Horace Mann retains the Risk Adjusted Performance of (0.06), standard deviation of 1.38, and Market Risk Adjusted Performance of (10.12). Horace Mann technical analysis makes it possible for you to employ historical prices and volume momentum with the intention to determine a pattern that calculates the direction of the firm's future prices.
Horace Mann Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 1.591 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 118.2 M | 79.3 M | |
| Net Income Applicable To Common Shares | 118.2 M | 84.4 M | |
| Net Income From Continuing Ops | 92.5 M | 77.7 M | |
| Net Income Per Share | 2.24 | 1.35 | |
| Net Income Per E B T | 0.72 | 0.68 |
Horace | Net Income | Build AI portfolio with Horace Stock |
Evaluating Horace Mann's Net Income across multiple reporting periods reveals the company's ability to sustain growth and manage resources effectively. This longitudinal analysis highlights inflection points, cyclical patterns, and structural changes that short-term snapshots might miss, offering deeper insight into Horace Mann Educators's fundamental strength.
Latest Horace Mann's Net Income Growth Pattern
Below is the plot of the Net Income of Horace Mann Educators over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Horace Mann Educators financial statement analysis. It represents the amount of money remaining after all of Horace Mann Educators operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Horace Mann's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Horace Mann's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 102.8 M | 10 Years Trend |
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Net Income |
| Timeline |
Horace Net Income Regression Statistics
| Arithmetic Mean | 94,657,634 | |
| Geometric Mean | 68,322,857 | |
| Coefficient Of Variation | 56.25 | |
| Mean Deviation | 40,658,976 | |
| Median | 102,800,000 | |
| Standard Deviation | 53,243,328 | |
| Sample Variance | 2834.9T | |
| Range | 182.3M | |
| R-Value | 0.14 | |
| Mean Square Error | 2961.6T | |
| R-Squared | 0.02 | |
| Significance | 0.58 | |
| Slope | 1,513,304 | |
| Total Sum of Squares | 45357.6T |
Horace Net Income History
Other Fundumenentals of Horace Mann Educators
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Horace Mann Net Income component correlations
Horace Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Horace Mann is extremely important. It helps to project a fair market value of Horace Stock properly, considering its historical fundamentals such as Net Income. Since Horace Mann's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Horace Mann's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Horace Mann's interrelated accounts and indicators.
Click cells to compare fundamentals
Will Multi-line Insurance sector continue expanding? Could Horace diversify its offerings? Factors like these will boost the valuation of Horace Mann. Market participants price Horace higher when confident in its future expansion prospects. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Horace Mann data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth (0.05) | Dividend Share 1.4 | Earnings Share 3.95 | Revenue Per Share | Quarterly Revenue Growth 0.063 |
Horace Mann Educators's market price often diverges from its book value, the accounting figure shown on Horace's balance sheet. Smart investors calculate Horace Mann's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Since Horace Mann's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Please note, there is a significant difference between Horace Mann's value and its price as these two are different measures arrived at by different means. Investors typically determine if Horace Mann is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Horace Mann's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
Horace Mann 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Horace Mann's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Horace Mann.
| 11/13/2025 |
| 02/11/2026 |
If you would invest 0.00 in Horace Mann on November 13, 2025 and sell it all today you would earn a total of 0.00 from holding Horace Mann Educators or generate 0.0% return on investment in Horace Mann over 90 days. Horace Mann is related to or competes with Skyward Specialty, Stewart Information, Slide Insurance, Nicolet Bankshares, Aspen Insurance, City Holding, and Northwest Bancshares. Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the Unite... More
Horace Mann Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Horace Mann's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Horace Mann Educators upside and downside potential and time the market with a certain degree of confidence.
| Information Ratio | (0.14) | |||
| Maximum Drawdown | 6.62 | |||
| Value At Risk | (3.12) | |||
| Potential Upside | 2.09 |
Horace Mann Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Horace Mann's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Horace Mann's standard deviation. In reality, there are many statistical measures that can use Horace Mann historical prices to predict the future Horace Mann's volatility.| Risk Adjusted Performance | (0.06) | |||
| Jensen Alpha | (0.12) | |||
| Total Risk Alpha | (0.26) | |||
| Treynor Ratio | (10.13) |
Horace Mann February 11, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
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| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | (0.06) | |||
| Market Risk Adjusted Performance | (10.12) | |||
| Mean Deviation | 1.02 | |||
| Coefficient Of Variation | (1,286) | |||
| Standard Deviation | 1.38 | |||
| Variance | 1.91 | |||
| Information Ratio | (0.14) | |||
| Jensen Alpha | (0.12) | |||
| Total Risk Alpha | (0.26) | |||
| Treynor Ratio | (10.13) | |||
| Maximum Drawdown | 6.62 | |||
| Value At Risk | (3.12) | |||
| Potential Upside | 2.09 | |||
| Skewness | (0.47) | |||
| Kurtosis | 0.7949 |
Horace Mann Educators Backtested Returns
Horace Mann Educators holds Efficiency (Sharpe) Ratio of -0.0502, which attests that the entity had a -0.0502 % return per unit of risk over the last 3 months. Horace Mann Educators exposes twenty-two different technical indicators, which can help you to evaluate volatility embedded in its price movement. Please check out Horace Mann's Market Risk Adjusted Performance of (10.12), standard deviation of 1.38, and Risk Adjusted Performance of (0.06) to validate the risk estimate we provide. The company retains a Market Volatility (i.e., Beta) of 0.0116, which attests to not very significant fluctuations relative to the market. As returns on the market increase, Horace Mann's returns are expected to increase less than the market. However, during the bear market, the loss of holding Horace Mann is expected to be smaller as well. At this point, Horace Mann Educators has a negative expected return of -0.0699%. Please make sure to check out Horace Mann's total risk alpha, kurtosis, as well as the relationship between the Kurtosis and day typical price , to decide if Horace Mann Educators performance from the past will be repeated at some point in the near future.
Auto-correlation | 0.26 |
Poor predictability
Horace Mann Educators has poor predictability. Overlapping area represents the amount of predictability between Horace Mann time series from 13th of November 2025 to 28th of December 2025 and 28th of December 2025 to 11th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Horace Mann Educators price movement. The serial correlation of 0.26 indicates that nearly 26.0% of current Horace Mann price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.26 | |
| Spearman Rank Test | -0.59 | |
| Residual Average | 0.0 | |
| Price Variance | 1.52 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Horace Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Horace Mann Educators reported net income of 102.8 M. This is 91.95% lower than that of the Insurance sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 82.0% higher than that of the company.
Horace Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Horace Mann's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Horace Mann could also be used in its relative valuation, which is a method of valuing Horace Mann by comparing valuation metrics of similar companies.Horace Mann is currently under evaluation in net income category among its peers.
Horace Mann ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Horace Mann's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Horace Mann's managers, analysts, and investors.Environmental | Governance | Social |
Horace Mann Institutional Holders
Institutional Holdings refers to the ownership stake in Horace Mann that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Horace Mann's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Horace Mann's value.| Shares | Gw&k Investment Management, Llc | 2025-06-30 | 835.3 K | Arrowstreet Capital Limited Partnership | 2025-06-30 | 733 K | American Century Companies Inc | 2025-06-30 | 732 K | Bank Of America Corp | 2025-06-30 | 664.4 K | Charles Schwab Investment Management Inc | 2025-06-30 | 547.4 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 502.2 K | Amvescap Plc. | 2025-06-30 | 489 K | Bank Of New York Mellon Corp | 2025-06-30 | 453.8 K | Bragg Financial Advisors Inc | 2025-06-30 | 453 K | Blackrock Inc | 2025-06-30 | 5.9 M | Vanguard Group Inc | 2025-06-30 | 4.9 M |
Horace Fundamentals
| Return On Equity | 0.12 | ||||
| Return On Asset | 0.0103 | ||||
| Profit Margin | 0.1 % | ||||
| Operating Margin | 0.14 % | ||||
| Current Valuation | 2.54 B | ||||
| Shares Outstanding | 40.68 M | ||||
| Shares Owned By Insiders | 1.47 % | ||||
| Shares Owned By Institutions | 98.53 % | ||||
| Number Of Shares Shorted | 590.16 K | ||||
| Price To Earning | 11.86 X | ||||
| Price To Book | 1.21 X | ||||
| Price To Sales | 1.03 X | ||||
| Revenue | 1.55 B | ||||
| Gross Profit | 648.5 M | ||||
| EBITDA | 189.6 M | ||||
| Net Income | 102.8 M | ||||
| Cash And Equivalents | 146.4 M | ||||
| Cash Per Share | 3.58 X | ||||
| Total Debt | 547 M | ||||
| Debt To Equity | 0.40 % | ||||
| Current Ratio | 2.90 X | ||||
| Book Value Per Share | 36.43 X | ||||
| Cash Flow From Operations | 452.1 M | ||||
| Short Ratio | 2.44 X | ||||
| Earnings Per Share | 3.95 X | ||||
| Price To Earnings To Growth | 2.52 X | ||||
| Target Price | 49.67 | ||||
| Number Of Employees | 1.75 K | ||||
| Beta | 0.072 | ||||
| Market Capitalization | 1.75 B | ||||
| Total Asset | 14.49 B | ||||
| Retained Earnings | 1.55 B | ||||
| Annual Yield | 0.03 % | ||||
| Five Year Return | 2.94 % | ||||
| Net Asset | 14.49 B | ||||
| Last Dividend Paid | 1.4 |
About Horace Mann Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Horace Mann Educators's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Horace Mann using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Horace Mann Educators based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Pair Trading with Horace Mann
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Horace Mann position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Horace Mann will appreciate offsetting losses from the drop in the long position's value.Moving together with Horace Stock
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Moving against Horace Stock
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The ability to find closely correlated positions to Horace Mann could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Horace Mann when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Horace Mann - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Horace Mann Educators to buy it.
The correlation of Horace Mann is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Horace Mann moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Horace Mann Educators moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Horace Mann can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Check out You can also try the Content Syndication module to quickly integrate customizable finance content to your own investment portal.
Will Multi-line Insurance sector continue expanding? Could Horace diversify its offerings? Factors like these will boost the valuation of Horace Mann. Market participants price Horace higher when confident in its future expansion prospects. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Horace Mann data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth (0.05) | Dividend Share 1.4 | Earnings Share 3.95 | Revenue Per Share | Quarterly Revenue Growth 0.063 |
Horace Mann Educators's market price often diverges from its book value, the accounting figure shown on Horace's balance sheet. Smart investors calculate Horace Mann's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Since Horace Mann's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
Please note, there is a significant difference between Horace Mann's value and its price as these two are different measures arrived at by different means. Investors typically determine if Horace Mann is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Horace Mann's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.