Horace Mann Educators's book value per share for the quarter that ended in Mar. 2026 was $36.40.
During the past 12 months, Horace Mann Educators's average Book Value Per Share Growth Rate was 11.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 10.70% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -4.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -0.20% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the book value growth rate using book value per share data.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Horace Mann Educators was 81.70% per year. The lowest was -12.70% per year. And the median was 5.80% per year.
During the past 13 years, the highest P/B Ratio of Horace Mann Educators was 1.49. The lowest was 0.81. And the median was 1.17.
Warning Sign:
Horace Mann Educators Corp stock PB Ratio (=1.44) is close to 10-year high of 1.49.
Horace Mann Educators (NYSE:HMN) Book Value per Share Explanation
Usually a company's book value and Tangible Book per Share may not reflect its true value. The assets may be carried on the balance sheets at the original cost minus depreciation. This may underestimate the true economic values of the assets. It also may over-estimate their true economic value because the assets can become obsolete.
For financial companies such as banks and insurance companies, their assets may be reported in current market value of the assets owned. Book values of financial companies are more accurate indicator of the economic value of the company.
Horace Mann Educators Book Value per Share Related Terms
Horace Mann Educators Book Value per Share Historical Data
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The historical data trend for Horace Mann Educators's Book Value per Share can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
HMN vs STC, SLDE, HCI: Book Value per Share Comparison
For the Insurance - Property & Casualty subindustry, Horace Mann Educators's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Horace Mann Educators PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Horace Mann Educators's PB Ratio distribution charts can be found below:
* The bar in red indicates where Horace Mann Educators's PB Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Horace Mann Educators (HMN) has a Book Value per Share of $36.40 as of Mar. 2026. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Horace Mann Educators and its competitors.
Is Horace Mann Educators' Book Value per Share too high?
Horace Mann Educators' current Book Value per Share is $36.40. Overall, Horace Mann Educators has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Horace Mann Educators' Book Value per Share compare to STC and SLDE?
Horace Mann Educators' Book Value per Share of $36.40 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Book Value per Share for an Insurance company?
A good Book Value per Share depends on the Insurance industry context. However, Book Value per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Book Value per Share mean?
A high Book Value per Share can signal that a stock is expensive relative to its fundamentals. Book value per share gives the per-share value of a company's stockholder equity. View historical data on Horace Mann Educators and its competitors. Horace Mann Educators's current Book Value per Share is $36.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Horace Mann Educators stock overvalued right now?
Based on GuruFocus' analysis, Horace Mann Educators (HMN) is currently considered Modestly Overvalued. The stock's GF Value™ is $43.39, compared to a current price of $52.53 — trading 21.1% above its estimated fair value. The current Book Value per Share is $36.40. Horace Mann Educators' overall GF Score™ is 69/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Book Value per Share calculated?
Book Value per Share is calculated from a company's financial statements. For Horace Mann Educators (HMN), the current Book Value per Share is $36.40 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Horace Mann Educators (HMN) Overvalued in 2026?
Based on GuruFocus' analysis, Horace Mann Educators stock appears to be overvalued.
The current stock price of $52.53 is trading 21.1% above its estimated GF Value™ of $43.39.
GuruFocus considers Horace Mann Educators to be Modestly Overvalued.
Key valuation signals for HMN:
Book Value per Share: $36.40
GF Value™: $43.39 vs. price of $52.53 (21.1% above fair value)
No single metric tells the full story. See the HMN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Horace Mann Educators Corp is a diversified insurance holding company that markets and underwrites personal lines of property and casualty insurance, retirement annuities, and life insurance. The company's property and casualty operations focus on automobile and homeowner insurance, while the retirement annuities are tax-qualified products. Horace Mann Educators markets its products to kindergarten through 12th-grade teachers, administrators, and other employees of public schools and their families. The Company conducts and manages its business in four reporting segments: (1) Property & Casualty, (2) Life & Retirement, (3) Supplemental & Group Benefits and (4) Corporate & Other.
69GF Score
Get the complete analysis for HMN
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