Horace Mann EducatorsHMN -0.35%75 EBITDA Margin % is 15.96% as of Mar. 2026, which is 36% above its 10-year median of 11.70. 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. Among 369 Insurance companies, Horace Mann Educators ranks better than 53.93% on this metric.
Horace Mann Educators (NYSE:HMN) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Horace Mann Educators EBITDA Margin % Related Terms
Horace Mann Educators EBITDA Margin % Historical Data
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The historical data trend for Horace Mann Educators's EBITDA Margin % 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.
For the Insurance - Property & Casualty subindustry, Horace Mann Educators's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Horace Mann Educators's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Horace Mann Educators's EBITDA Margin % 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 EBITDA Margin % of 15.96% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Horace Mann Educators and its competitors. This is 36% above median its historical median of 11.70. Over the past decade, Horace Mann Educators' EBITDA Margin % has ranged from 3.39 to 19.39. According to the industry distribution chart, Horace Mann Educators ranks #170 out of 369 companies in the Insurance industry, placing it in the top 46.1%.
Is Horace Mann Educators' EBITDA Margin % too high?
Horace Mann Educators' current EBITDA Margin % of 15.96% is 36% above median its 10-year median of 11.70. Over the past 10 years, this metric has ranged from a low of 3.39 to a high of 19.39. The Insurance industry median EBITDA Margin % is 14.81. Horace Mann Educators' value of 15.96% is 7.8% above this industry median. Based on the distribution chart, Horace Mann Educators ranks #170 out of 369 companies in the Insurance industry, which is above the industry midpoint. 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' EBITDA Margin % compare to SKWD and HCI?
According to the Insurance industry distribution chart, Horace Mann Educators ranks #170 out of 369 companies for EBITDA Margin %. This puts Horace Mann Educators in the upper half of its industry. The industry median EBITDA Margin % is 14.81. Horace Mann Educators' value of 15.96% is 7.8% above this benchmark. Historically, Horace Mann Educators' own EBITDA Margin % has ranged from 3.39 to 19.39 over the past decade. While the company's 10-year median is 11.70 vs. the industry median of 14.81, Horace Mann Educators has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA Margin % for an Insurance company?
The median EBITDA Margin % among Insurance companies is 14.81, based on 369 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Horace Mann Educators's current EBITDA Margin % of 15.96% is 7.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Horace Mann Educators and its competitors. For the Insurance industry, the median EBITDA Margin % is 14.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Horace Mann Educators's current EBITDA Margin % is 15.96%, which is 36% above median its own 10-year median of 11.70. 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 EBITDA Margin % is 15.96%, which is 36% above median its 10-year median of 11.70 and 7.8% above the Insurance industry median of 14.81. 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 EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Horace Mann Educators (HMN), the current EBITDA Margin % is 15.96% 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:
EBITDA Margin %: 15.96% (36% above median its 10-year median of 11.70)
GF Value™: $43.19 vs. price of $50.57 (17.1% above fair value)
Industry Position: 7.8% above the Insurance median (#170 of 369)
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.
75GF Score
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