Horace Mann Educators has the GF Score of 76, which implies that the company
is
Likely to have average performance.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Horace Mann Educators
is
Likely to have average performance.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Horace Mann Educators (NYSE:HMN) GF Score Explanation
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Horace Mann Educators GF Score Related Terms
HMN vs STC, SLDE, HCI: GF Score Comparison
For the Insurance - Property & Casualty subindustry, Horace Mann Educators's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Insurance Industry
For the Insurance industry and Financial Services sector, Horace Mann Educators's GF Score distribution charts can be found below:
* The bar in red indicates where Horace Mann Educators's GF Score falls into.
Horace Mann Educators (HMN) has a GF Score of 76 as of Jun. 29, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Horace Mann Educators and its competitors. This is near median its historical median of 71.00. Over the past decade, Horace Mann Educators' GF Score has ranged from 57.00 to 85.00.
Is Horace Mann Educators' GF Score too high?
Horace Mann Educators' current GF Score of 76 is near median its 10-year median of 71.00. Over the past 10 years, this metric has ranged from a low of 57.00 to a high of 85.00. Overall, Horace Mann Educators has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Horace Mann Educators' GF Score compare to STC and SLDE?
Horace Mann Educators' GF Score of 76 can be compared against companies in the Insurance industry. Historically, Horace Mann Educators' own GF Score has ranged from 57.00 to 85.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for an Insurance company?
A good GF Score depends on the Insurance industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Horace Mann Educators and its competitors. Horace Mann Educators's current GF Score is 76, which is near median its own 10-year median of 71.00. 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 $43.20, compared to a current price of $52.06 — trading 20.5% above its estimated fair value. The current GF Score is 76, which is near median its 10-year median of 71.00. Horace Mann Educators' overall GF Score™ is 76/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Horace Mann Educators (HMN), the current GF Score is 76 as of Jun. 29, 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 $52.06 is trading 20.5% above its estimated GF Value™ of $43.20.
GuruFocus considers Horace Mann Educators to be Modestly Overvalued.
Key valuation signals for HMN:
GF Score: 76 (near median its 10-year median of 71.00)
GF Value™: $43.20 vs. price of $52.06 (20.5% above fair value)
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.
76GF Score
Get the complete analysis for HMN
GF Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
HMN has been successfully added to your 