HMN (Horace Mann Educators) EBIT: $241 Mil (TTM As of Mar. 2026)


HMN Horace Mann Educators Corp HMN
75 GF Score
Price $50.57
GF Value $43.19
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Horace Mann Educators EBIT?

Horace Mann Educators HMN -0.35% 75 EBIT is $241 Mil as of Mar. 2026. GuruFocus rates HMN with a GF Score™ of 75/100 and a GF Value™ of $43.19 (Modestly Overvalued). The stock has 7 warning signs investors should review.

Horace Mann Educators's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was $60 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was $241 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Horace Mann Educators's annualized ROC % for the quarter that ended in Mar. 2026 was 1.30%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Horace Mann Educators's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 9.21%.


Horace Mann Educators  (NYSE:HMN) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Horace Mann Educators's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=238.8 * ( 1 - 17.93% )/( (15261.36 + 14967.605)/ 2 )
=195.98316/15114.4825
=1.30 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=15266.6 - 0 - ( 26.2 - 5% * 419.2 )
=15261.36

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=14965.9 - 0 - ( 19.1 - 5% * 416.1 )
=14967.605

Note: The EBIT data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Horace Mann Educators's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=240.9/2616.776
=9.21 %

* 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 EBIT Related Terms


Horace Mann Educators EBIT Historical Data

* Premium members only.

The historical data trend for Horace Mann Educators's EBIT 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 EBIT Chart

Horace Mann Educators Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 224.00 35.90 83.00 163.20 237.60

Horace Mann Educators Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBIT 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 56.40 45.10 80.40 55.70 59.70

HMN vs SKWD, HCI, STC: EBIT Comparison

For the Insurance - Property & Casualty subindustry, Horace Mann Educators's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Insurance Industry

For the Insurance industry and Financial Services sector, Horace Mann Educators's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Horace Mann Educators's EV-to-EBIT falls into.


HMN
75GF Score
Horace Mann Educators Corp HMN
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Horace Mann Educators EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $241 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of $241 Mil mean?
Horace Mann Educators (HMN) has a EBIT of $241 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Horace Mann Educators.
Is Horace Mann Educators' EBIT too high?
Horace Mann Educators' current EBIT is $241 Mil. Overall, Horace Mann Educators has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Horace Mann Educators' EBIT compare to SKWD and HCI?
Horace Mann Educators' EBIT of $241 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 EBIT for an Insurance company?
A good EBIT depends on the Insurance industry context. However, EBIT 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 EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Horace Mann Educators. Horace Mann Educators's current EBIT is $241 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 Modestly Overvalued. The stock's GF Value™ is $43.19, compared to a current price of $50.57 — trading 17.1% above its estimated fair value. The current EBIT is $241 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 EBIT calculated?
EBIT is calculated from a company's financial statements. For Horace Mann Educators (HMN), the current EBIT is $241 Mil 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 $50.57 is trading 17.1% above its estimated GF Value™ of $43.19. GuruFocus considers Horace Mann Educators to be Modestly Overvalued.

Key valuation signals for HMN:

  • EBIT: $241 Mil
  • GF Value™: $43.19 vs. price of $50.57 (17.1% 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

Get the complete analysis for HMN

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

$50.57
Price
$43.19
GF Value