HMN
Horace Mann Educators Corporation Financial Services - Insurance - Property & Casualty Investor Relations →
Horace Mann Educators Corporation (HMN) closed at $45.97 as of 2026-05-01, trading 30.3% above its 200-week moving average of $35.27. The stock moved further from the line this week, up from 29.3% last week. The 14-week RSI sits at 65, indicating neutral momentum.
Over the past 14 weeks, down-weeks have had more trading volume than up-weeks (0.69 buyers-vs-sellers ratio). That means when people are active, they're more often selling than buying. Sellers are still more in control than buyers.
Over the past 1750 weeks of data, HMN has crossed below its 200-week moving average 32 times. On average, these episodes lasted 17 weeks. Historically, investors who bought HMN at the start of these episodes saw an average one-year return of +0.1%.
With a market cap of $1856 million, HMN is a small-cap stock. The company generates a free cash flow yield of 10.6%, which is notably high. Return on equity stands at 11.7%. The stock trades at 1.3x book value.
This stock also meets the Yartseva multibagger criteria as a small-cap with strong free cash flow yield and reasonable book value.
Over the past 33.3 years, a hypothetical investment of $100 in HMN would have grown to $770, compared to $2973 for the S&P 500. HMN has returned 6.3% annualized vs 10.7% for the index, underperforming the broader market over this period.
Free cash flow has been growing at a 47.8% compound annual rate, with 4 consecutive years of positive cash generation.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: HMN vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After HMN Crosses Below the Line?
Across 32 historical episodes, buying HMN when it crossed below its 200-week moving average produced an average return of -0.2% after 12 months (median -5.0%), compared to +6.8% for the S&P 500 over the same periods. 47% of those episodes were profitable after one year. After 24 months, the average return was +19.6% vs +26.1% for the index.
Each line shows $100 invested at the moment HMN crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Historical Touches
HMN has crossed below its 200-week MA 32 times with an average 1-year return of +0.1% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Nov 1993 | Dec 1993 | 5 | 8.1% | -11.0% | +772.5% |
| Jan 1994 | Feb 1994 | 7 | 4.8% | -6.3% | +784.1% |
| Mar 1994 | Apr 1994 | 1 | 0.4% | -6.6% | +767.7% |
| Sep 1994 | May 1995 | 35 | 17.9% | +14.5% | +749.8% |
| Jun 1995 | Jul 1995 | 1 | 3.2% | +39.9% | +790.4% |
| Apr 1999 | Apr 1999 | 2 | 6.8% | -17.0% | +367.6% |
| Nov 1999 | Feb 2002 | 116 | 48.5% | -26.3% | +332.4% |
| May 2002 | May 2002 | 1 | 0.1% | -27.5% | +346.3% |
| May 2002 | May 2004 | 102 | 28.3% | -23.6% | +351.1% |
| Jul 2004 | Jul 2004 | 1 | 1.3% | +26.6% | +439.2% |
| Oct 2007 | Nov 2007 | 1 | 8.2% | -50.1% | +391.5% |
| Dec 2007 | Jan 2008 | 4 | 6.8% | -44.4% | +346.0% |
| Feb 2008 | Mar 2010 | 109 | 66.8% | -51.0% | +346.8% |
| May 2010 | May 2010 | 1 | 0.8% | +15.9% | +417.8% |
| Aug 2011 | Oct 2011 | 11 | 16.7% | +41.5% | +463.7% |
| Nov 2011 | Dec 2011 | 5 | 12.2% | +48.1% | +479.1% |
| Mar 2019 | Apr 2019 | 3 | 5.0% | -2.1% | +67.9% |
| Mar 2020 | Aug 2020 | 21 | 19.1% | +16.9% | +47.1% |
| Aug 2020 | Nov 2020 | 12 | 14.6% | +12.0% | +48.4% |
| Feb 2021 | Mar 2021 | 2 | 0.1% | +9.4% | +43.7% |
| Jun 2021 | Jul 2021 | 5 | 3.6% | -2.8% | +42.6% |
| Nov 2021 | Dec 2021 | 5 | 2.3% | +0.7% | +41.1% |
| Jan 2022 | Jan 2022 | 2 | 3.0% | +3.2% | +44.8% |
| May 2022 | May 2022 | 2 | 1.2% | -8.3% | +42.0% |
| May 2022 | Jun 2022 | 3 | 6.4% | -14.3% | +40.9% |
| Jul 2022 | Aug 2022 | 4 | 10.2% | -11.2% | +56.7% |
| Aug 2022 | Oct 2022 | 7 | 4.9% | -18.6% | +43.3% |
| Dec 2022 | Dec 2022 | 1 | 4.1% | -5.3% | +46.3% |
| Jan 2023 | Jan 2024 | 53 | 19.9% | -3.9% | +40.4% |
| May 2024 | Jul 2024 | 8 | 5.1% | +31.9% | +45.8% |
| Jul 2024 | Aug 2024 | 2 | 1.6% | +27.9% | +45.8% |
| Sep 2024 | Sep 2024 | 1 | 0.3% | +45.0% | +43.4% |
| Average | 17 | — | +0.1% | — |
Frequently Asked Questions
Is HMN below its 200-week moving average?
No. Horace Mann Educators Corporation (HMN) is currently 30.3% above its 200-week moving average of $35.27. It would need to fall to $35.27 to cross below the line.
What is HMN's 200-week moving average price?
Horace Mann Educators Corporation's 200-week moving average is $35.27 as of 2026-05-01. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when HMN drops below its 200-week moving average?
HMN has crossed below its 200-week moving average 32 times in our data. On average, buying at that moment produced a one-year return of +0.1%. These dips have historically been decent entry points. These episodes lasted 17 weeks on average.
Is HMN a good value right now?
Here's what our data says about HMN as of 2026-05-01: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 65. Free cash flow yield is 10.6%. Return on equity is 11.7%. Price-to-book is 1.3x. This is not a buy or sell recommendation — always do your own research.
How does HMN compare to the S&P 500?
Over the past 33.3 years, $100 invested in HMN would have grown to $770, compared to $2973 for the S&P 500. That's 6.3% annualized vs 10.7% for the index. HMN has underperformed the broader market over this period.
Does HMN pay a dividend?
Yes. Horace Mann Educators Corporation currently pays a dividend yield of 313.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-05-01