Horace Mann EducatorsHMN +0.93%75 FCF Margin % is 14.73% as of Mar. 2026, which is 24% below its 10-year median of 19.44. 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 501 Insurance companies, Horace Mann Educators ranks better than 84.63% on this metric.
The historical rank and industry rank for Horace Mann Educators's FCF Margin % or its related term are showing as below:
HMN'
s FCF Margin % Range Over the Past 10 Years
Min: 9.08 Med: 19.44 Max: 34.05
Current: 28.81
During the past 13 years, the highest FCF Margin % of Horace Mann Educators was 34.05%. The lowest was 9.08%. And the median was 19.44%.
HMN's FCF Margin % is ranked better than 84.63% of 501
companies
in the Insurance industry
Industry Median: 9.6
vs HMN: 28.81
Horace Mann Educators FCF Margin % Related Terms
Horace Mann Educators FCF Margin % Historical Data
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The historical data trend for Horace Mann Educators's FCF 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 FCF Margin %, along with its competitors' market caps and FCF 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Horace Mann Educators's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Horace Mann Educators's FCF 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 FCF Margin % of 14.73% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Horace Mann Educators and its competitors. This is 24% below median its historical median of 19.44. Over the past decade, Horace Mann Educators' FCF Margin % has ranged from 9.08 to 34.05. According to the industry distribution chart, Horace Mann Educators ranks #77 out of 501 companies in the Insurance industry, placing it in the top 15.4%.
Is Horace Mann Educators' FCF Margin % too high?
Horace Mann Educators' current FCF Margin % of 14.73% is 24% below median its 10-year median of 19.44. Over the past 10 years, this metric has ranged from a low of 9.08 to a high of 34.05. The Insurance industry median FCF Margin % is 9.60. Horace Mann Educators' value of 14.73% is 53.4% above this industry median. Based on the distribution chart, Horace Mann Educators ranks #77 out of 501 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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' FCF Margin % compare to SKWD and HCI?
According to the Insurance industry distribution chart, Horace Mann Educators ranks #77 out of 501 companies for FCF Margin %. This places Horace Mann Educators in the top 15% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 9.60. Horace Mann Educators' value of 14.73% is 53.4% above this benchmark. Historically, Horace Mann Educators' own FCF Margin % has ranged from 9.08 to 34.05 over the past decade. While the company's 10-year median is 19.44 vs. the industry median of 9.60, 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.60, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Horace Mann Educators's current FCF Margin % of 14.73% is 53.4% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Horace Mann Educators and its competitors. For the Insurance industry, the median FCF Margin % is 9.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Horace Mann Educators's current FCF Margin % is 14.73%, which is 24% below median its own 10-year median of 19.44. 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 $51.04 — trading 18.2% above its estimated fair value. The current FCF Margin % is 14.73%, which is 24% below median its 10-year median of 19.44 and 53.4% above the Insurance industry median of 9.60. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Horace Mann Educators (HMN), the current FCF Margin % is 14.73% 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 $51.04 is trading 18.2% above its estimated GF Value™ of $43.19.
GuruFocus considers Horace Mann Educators to be Modestly Overvalued.
Key valuation signals for HMN:
FCF Margin %: 14.73% (24% below median its 10-year median of 19.44)
GF Value™: $43.19 vs. price of $51.04 (18.2% above fair value)
Industry Position: 53.4% above the Insurance median (#77 of 501)
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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