HMN (Horace Mann Educators) Unearned Premiums: $369 Mil (As of Jun. 2026)

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HMN Horace Mann Educators Corp HMN
75 GF Score
Price $50.60
GF Value $47.35
Valuation Fairly Valued
! 7 Warning Signs
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What is Horace Mann Educators Unearned Premiums?

Horace Mann Educators HMN +0.38% 75 Unearned Premiums is $369 Mil as of Jun. 2026. GuruFocus rates HMN with a GF Score™ of 75/100 and a GF Value™ of $47.35 (Fairly Valued). The stock has 7 warning signs investors should review.

Horace Mann Educators's quarterly unearned premiums declined from Dec. 2025 ($372 Mil) to Mar. 2026 ($363 Mil) but then increased from Mar. 2026 ($363 Mil) to Jun. 2026 ($369 Mil).

Horace Mann Educators's annual unearned premiums increased from Dec. 2023 ($301 Mil) to Dec. 2024 ($344 Mil) and increased from Dec. 2024 ($344 Mil) to Dec. 2025 ($372 Mil).

Horace Mann Educators Unearned Premiums Historical Data

* Premium members only.

The historical data trend for Horace Mann Educators's Unearned Premiums 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.

Horace Mann Educators Unearned Premiums Chart

Horace Mann Educators Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Unearned Premiums
Get a 7-Day Free Trial Premium Member Only Premium Member Only 255.10 266.10 300.90 344.20 372.10

Horace Mann Educators Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Unearned Premiums Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 351.00 378.40 372.10 363.10 369.10
HMN
75GF Score
Horace Mann Educators Corp HMN
Unearned Premiums is just one metric. See GF Score™, valuation, warning signs, and more.
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Horace Mann Educators Unearned Premiums Calculation

The portion of premium that has not been earned by insurance companies. Insurance companies have to pay them back to the insured if the policies are cancelled.

Frequently Asked Questions Learn more about Unearned Premiums →
What does a Unearned Premiums of $369 Mil mean?
Horace Mann Educators (HMN) has a Unearned Premiums of $369 Mil as of Jun. 2026. Unearned premiums are the premiums an insurance company have accrued in advance but not yet earned. View historical data for Horace Mann Educators and its competitors.
Is Horace Mann Educators' Unearned Premiums too high?
Horace Mann Educators' current Unearned Premiums is $369 Mil. Overall, Horace Mann Educators has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Horace Mann Educators' Unearned Premiums compare to STC and HCI?
Horace Mann Educators' Unearned Premiums of $369 Mil 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 Unearned Premiums for an Insurance company?
A good Unearned Premiums depends on the Insurance industry context. However, Unearned Premiums 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 Unearned Premiums mean?
A high Unearned Premiums can signal that a stock is expensive relative to its fundamentals. Unearned premiums are the premiums an insurance company have accrued in advance but not yet earned. View historical data for Horace Mann Educators and its competitors. Horace Mann Educators's current Unearned Premiums is $369 Mil. 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 Fairly Valued. The stock's GF Value™ is $47.35, compared to a current price of $50.60 — trading 6.9% above its estimated fair value. The current Unearned Premiums is $369 Mil. Horace Mann Educators' overall GF Score™ is 75/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Unearned Premiums calculated?
Unearned Premiums is calculated from a company's financial statements. For Horace Mann Educators (HMN), the current Unearned Premiums is $369 Mil as of Jun. 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 $50.60 is trading 6.9% above its estimated GF Value™ of $47.35. GuruFocus considers Horace Mann Educators to be Fairly Valued.

Key valuation signals for HMN:

  • Unearned Premiums: $369 Mil
  • GF Value™: $47.35 vs. price of $50.60 (6.9% above fair value)
  • GF Score™: 75/100 with 7 warning signs

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 Business Description

Address 1 Horace Mann Plaza, Springfield, IL, USA, 62715-0001
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.
75GF Score

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Unearned Premiums is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$50.60
Price
$47.35
GF Value