HMN
Horace Mann Educators
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NYSE: HMN
- PE Ratio
As of Jul 2, 2026, the Horace Mann Educators stock's PE ratio is 13.4. This takes into account the latest EPS of $4.02 and stock price of $53.85. The PE ratio has grown by 16% from its last 4 quarters average of 11.6.
HMN PE ratio history
The PE ratio of Horace Mann Educators has averaged 24.5 over the last ten years. The current P/E ratio of 13.4 is 45% lower than the historical average. Looking back at the last ten years, HMN's PE ratio peaked in the Mar 2023 quarter at 209.25, when the price was $33.48 and the EPS was $0.16. The lowest point was in the Mar 2020 quarter, when it reached 8.95 with a price of $36.59 and an EPS of $4.09.
Horace Mann Educators PE ratio by year
Maximum annual increase: 716.89% in 2022
Maximum annual decrease: -88.39% in 2019
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 11.75 | -25.44% | $46.18 | $3.93 |
| 2024 | 15.76 | -47.47% | $39.23 | $2.49 |
| 2023 | 30 | -61.46% | $32.7 | $1.09 |
| 2022 | 77.85 | 716.89% | $37.37 | $0.48 |
| 2021 | 9.53 | -27.91% | $38.7 | $4.06 |
| 2020 | 13.22 | 33.81% | $42.04 | $3.18 |
| 2019 | 9.88 | -88.39% | $43.66 | $4.42 |
| 2018 | 85.11 | 690.99% | $37.45 | $0.44 |
| 2017 | 10.76 | -48.71% | $44.1 | $4.1 |
| 2016 | 20.98 | 40.99% | $42.8 | $2.04 |
| 2015 | 14.88 | 12.13% | $33.18 | $2.23 |
| 2014 | 13.27 | 15.69% | $33.18 | $2.5 |
| 2013 | 11.47 | 51.12% | $31.54 | $2.75 |
| 2012 | 7.59 | -2.06% | $19.96 | $2.63 |
| 2011 | 7.75 | -12.33% | $13.71 | $1.77 |
Horace Mann Educators PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 10.62 | -9.62% | $42.68 | $4.02 |
| Dec 2025 | 11.75 | 3.8% | $46.18 | $3.93 |
| Sep 2025 | 11.32 | -10.44% | $45.17 | $3.99 |
| Jun 2025 | 12.64 | -17.76% | $42.97 | $3.4 |
| Mar 2025 | 15.37 | -2.47% | $42.73 | $2.78 |
| Dec 2024 | 15.76 | 13.63% | $39.23 | $2.49 |
| Sep 2024 | 13.87 | -16.24% | $34.95 | $2.52 |
| Jun 2024 | 16.56 | -29.71% | $32.62 | $1.97 |
| Mar 2024 | 23.56 | -21.47% | $36.99 | $1.57 |
| Dec 2023 | 30 | N/A | $32.7 | $1.09 |
| Sep 2023 | N/A | N/A | $29.38 | -$0.26 |
| Jun 2023 | N/A | N/A | $29.66 | -$0.05 |
| Mar 2023 | 209.25 | 168.79% | $33.48 | $0.16 |
| Dec 2022 | 77.85 | 449.4% | $37.37 | $0.48 |
| Sep 2022 | 14.17 | -11.77% | $35.29 | $2.49 |
HMN Price vs fair value
HMN average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
The current PE ratio of HMN is lower than its 3, 5 and 10-year averages.
PE comparison
Horace Mann Educators's price to earnings (P/E) of 13.4 is higher than the Financial Services sector and the industry average but lower than its peers average. But in comparison with the Financial Services sector average of 13.27, Horace Mann Educators's price to earnings (P/E) is only 1% higher.
HMN PE vs peers
In comparison to its peers MET and AIG, HMN's PE ratio is lower, but it is higher than PGR's and ALL's. Horace Mann Educators's PE ratio is trading below the peer average of 13.91.
| Stock name | PE ratio | Market cap |
|---|---|---|
| ALL Allstate Corp | 5.46 | $64.44B |
| PGR Progressive Corp | 11.77 | $135.69B |
| HMN Horace Mann Educators Corp | 13.4 | $2.17B |
| AIG American International Group Inc | 13.88 | $42.09B |
| MET Metlife Inc | 17.32 | $57.95B |
| ERIE Erie Indemnity Co | 21.13 | $11.98B |
Frequently asked questions
What is Horace Mann Educators's PE ratio?
HMN stock has a price to earnings ratio of 13.4 as of Jul 2, 2026.
What is the 3-year average PE ratio for Horace Mann Educators (HMN)?
Over the last 3 years, the average price to earnings ratio for HMN stock is 16.15.
What is the 5-year average PE ratio for Horace Mann Educators (HMN)?
Over the last 5 years, the average price to earnings ratio for HMN stock is 30.06.
What is the highest PE ratio for HMN?
Over the last ten years, the quarterly PE ratio reached its highest level at 209.25 in the Mar 2023 quarter.
How does the current PE ratio for HMN compare to its historical average?
HMN's price to earnings ratio is currently 45% below its 10-year historical average.
How is HMN's PE ratio calculated (Horace Mann Educators PE ratio formula)?
The P/E ratio is calculated by taking the latest stock price and dividing it by the EPS for the last 12 months. As of today (Jul 2, 2026), Horace Mann Educators's share price is $53.85. The company's earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $4.02. Therefore, Horace Mann Educators's PE ratio for today is 13.4. PE RATIO(13.4) = STOCK PRICE($53.85) / TTM EPS($4.02)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.