NYSE · Insurance - Property & Casualty

HMN (HMN) Stock

$51.74 -0.71% NYSE: HMN Financial Services

Valuation

MetricValue
Price$51.74
Market Cap$2.09B
P/E Ratio12.19
P/B Ratio1.35
P/S Ratio1.18
EPS (TTM)$3.90
52-Week High$55.37
52-Week Low$40.04
Dividend Yield2.93%

Financials & Margins

MetricValue
ROE11.74%
ROA1.03%
ROCE13.55%
Gross Margin41.85%
Operating Margin12.30%
Net Margin9.96%
Debt/Equity0.40
Current Ratio0.00

Annual Financials (USD)

Metric20212022202320242025
Revenue$1.3B$1.3B$1.4B$1.6B$1.6B
Operating Profit$210.0M$17.0M$53.0M$129.0M$201.0M
Net Profit$170.0M$20.0M$45.0M$103.0M$162.0M
EPS$3.39$0.47$1.09$2.48$3.90
Op Margin16.8%1.2%3.7%8.3%12.4%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$14.4B$13.3B$14.1B$14.5B$15.3B
Total Liabilities$12.6B$12.2B$12.9B$13.2B$13.8B
Cash$133.0M$42.0M$29.0M$33.0M$26.0M
Borrowings$503.0M$498.0M$546.0M$547.0M$593.0M

Latest News

Zacks Industry Outlook Highlights Oscar Health, Radian, CNO Financial, Pelagos Insurance Capital and Horace Mann Educators Zacks · Jul 16, 2026 5 Multiline Insurers to Buy Amid Inflation, Softening Pricing Zacks · Jul 15, 2026 HMN: Lowering target price to $55.00 Argus Research · Jul 15, 2026 Accelerant Advances Fee-Based Model With WoodStar Partnership Zacks · Jul 14, 2026 Horace Mann's CEO Sold $395,000 in Stock After a 33% Run Motley Fool · Jul 13, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$205.0M$172.0M$302.0M$452.0M$98.0M
Investing Cash Flow$-302.0M$-215.0M$-107.0M$-136.0M$-76.0M
Financing Cash Flow$557.0M$159.0M$-13.0M$10.0M$500.0M
Net Cash Flow$111.0M$-91.0M$-13.0M$8.0M$0
Free Cash Flow$205.0M$172.0M$302.0M$452.0M$98.0M

Valuation & Return Ratios

MetricValue
PEG Ratio1.16
EV / EBITDA9.23
FCF Yield24.18%
Quick Ratio0.15
Interest Coverage5.58
Return 1Y27.44%
Return 3Y94.97%
Return 5Y58.56%

Ownership

Insiders Held1.65%
Institutions Held107.37%
Institutions Float Held109.17%
Institutional HolderSharesReport Date
Blackrock Inc.5,896,1942026-03-31
Franklin Resources, Inc.2,999,4762026-03-31
Vanguard Portfolio Management LLC2,841,6842026-03-31
Price (T.Rowe) Associates Inc2,563,8742026-03-31
Dimensional Fund Advisors LP2,184,6482026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AHLAspen Insurance Holdings Limited $37.50 +0.00% 19.43 $3.44B 0.00%
CHCO $145.21 +0.21% 13.74 $2.05B 2.73%
NIC $172.54 -0.78% 14.40 $2.98B 0.91%
NWBI $15.91 +1.08% 14.86 $2.33B 5.86%
OFG $52.34 -1.30% 9.97 $2.21B 2.81%

About HMN

HMN stock trades at $51.74 with a market capitalization of $2.09B. The stock is valued at a price-to-earnings (P/E) ratio of 12.19, price-to-book of 1.35, price-to-sales of 1.18. Over the past 52 weeks the stock has ranged between $40.04 and $55.37, and currently trades 6.6% below its 52-week high. It pays a dividend yielding 2.93%.

On profitability, HMN generates a return on equity (ROE) of 11.74%, return on capital employed of 13.55%, an operating margin of 12.30%, a net profit margin of 9.96%.

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