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Horace Mann EducatorsHMN +0.66%70 EV-to-EBIT is 10.42 as of Aug. 14, 2026, which is 24% below its 10-year median of 13.76. GuruFocus rates HMN with a GF Score™ of 70/100 and a GF Value™ of $47.22 (Fairly Valued). The stock has 7 warning signs investors should review. Among 345 Insurance companies, Horace Mann Educators ranks worse than 61.45% on this metric.
Horace Mann Educators (NYSE:HMN) EV-to-EBIT Explanation
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
Horace Mann Educators's Enterprise Value for the quarter that ended in Jun. 2026 was $2,641 Mil.
Horace Mann Educators's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $254 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.
* 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 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.
Horace Mann Educators's current Enterprise Value is $2,651 Mil.
Horace Mann Educators's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $254 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.
Horace Mann Educators (HMN) has a EV-to-EBIT of 10.42 as of Aug. 14, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Horace Mann Educators and its competitors. This is 24% below median its historical median of 13.76. Over the past decade, Horace Mann Educators' EV-to-EBIT has ranged from 7.15 to 263.45. According to the industry distribution chart, Horace Mann Educators ranks #212 out of 345 companies in the Insurance industry, placing it in the top 61.4%.
Is Horace Mann Educators' EV-to-EBIT too high?
Horace Mann Educators' current EV-to-EBIT of 10.42 is 24% below median its 10-year median of 13.76. Over the past 10 years, this metric has ranged from a low of 7.15 to a high of 263.45. The Insurance industry median EV-to-EBIT is 8.38. Horace Mann Educators' value of 10.42 is 24.3% above this industry median. Based on the distribution chart, Horace Mann Educators ranks #212 out of 345 companies in the Insurance industry, which is below the industry midpoint. Overall, Horace Mann Educators has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Horace Mann Educators' EV-to-EBIT compare to STC and HCI?
According to the Insurance industry distribution chart, Horace Mann Educators ranks #212 out of 345 companies for EV-to-EBIT. This places Horace Mann Educators in the lower half of its industry. The industry median EV-to-EBIT is 8.38. Horace Mann Educators' value of 10.42 is 24.3% above this benchmark. Historically, Horace Mann Educators' own EV-to-EBIT has ranged from 7.15 to 263.45 over the past decade. While the company's 10-year median is 13.76 vs. the industry median of 8.38, 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 EV-to-EBIT for an Insurance company?
The median EV-to-EBIT among Insurance companies is 8.38, based on 345 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Horace Mann Educators's current EV-to-EBIT of 10.42 is 24.3% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Horace Mann Educators and its competitors. For the Insurance industry, the median EV-to-EBIT is 8.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Horace Mann Educators's current EV-to-EBIT is 10.42, which is 24% below median its own 10-year median of 13.76. 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 $47.22, compared to a current price of $51.88 — trading 9.9% above its estimated fair value. The current EV-to-EBIT is 10.42, which is 24% below median its 10-year median of 13.76 and 24.3% above the Insurance industry median of 8.38. Horace Mann Educators' overall GF Score™ is 70/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Horace Mann Educators (HMN), the current EV-to-EBIT is 10.42 as of Aug. 14, 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 $51.88 is trading 9.9% above its estimated GF Value™ of $47.22.
GuruFocus considers Horace Mann Educators to be Fairly Valued.
Key valuation signals for HMN:
EV-to-EBIT: 10.42 (24% below median its 10-year median of 13.76)
GF Value™: $47.22 vs. price of $51.88 (9.9% above fair value)
Industry Position: 24.3% above the Insurance median (#212 of 345)
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.
70GF Score
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