Horace Mann EducatorsHMN -0.35%75 Interest Coverage is 6.28 as of Mar. 2026, which is 16% below its 10-year median of 7.48. 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 351 Insurance companies, Horace Mann Educators ranks worse than 70.94% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Horace Mann Educators's
EBIT
for the
three
months ended in Mar. 2026 was $60 Mil. Horace Mann Educators's Interest Expense for the
three
months ended in Mar. 2026 was $-10 Mil.
Horace Mann Educators's interest coverage for the quarter that ended in Mar. 2026 was 6.28.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Horace Mann Educators's Interest Coverage or its related term are showing as below:
HMN'
s Interest Coverage Range Over the Past 10 Years
Min: 1.85 Med: 7.48 Max: 16.15
Current: 6.51
HMN's Interest Coverage is ranked worse than 70.94% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs HMN: 6.51
Horace Mann Educators (NYSE:HMN) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Horace Mann Educators Interest Coverage Related Terms
Horace Mann Educators Interest Coverage Historical Data
* Premium members only.
The historical data trend for Horace Mann Educators's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
HMN vs SKWD, HCI, STC: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, Horace Mann Educators's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Horace Mann Educators's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Horace Mann Educators's Interest Coverage falls into.
Horace Mann Educators Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 6.28 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Horace Mann Educators and its competitors. This is 16% below median its historical median of 7.48. Over the past decade, Horace Mann Educators' Interest Coverage has ranged from 1.85 to 16.15. According to the industry distribution chart, Horace Mann Educators ranks #249 out of 351 companies in the Insurance industry, placing it in the top 70.9%.
Is Horace Mann Educators' Interest Coverage too high?
Horace Mann Educators' current Interest Coverage of 6.28 is 16% below median its 10-year median of 7.48. Over the past 10 years, this metric has ranged from a low of 1.85 to a high of 16.15. The Insurance industry median Interest Coverage is 16.23. Horace Mann Educators' value of 6.28 is 61.3% below this industry median. Based on the distribution chart, Horace Mann Educators ranks #249 out of 351 companies in the Insurance industry, which is below 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' Interest Coverage compare to SKWD and HCI?
According to the Insurance industry distribution chart, Horace Mann Educators ranks #249 out of 351 companies for Interest Coverage. This places Horace Mann Educators in the lower half of its industry. The industry median Interest Coverage is 16.23. Horace Mann Educators' value of 6.28 is 61.3% below this benchmark. Historically, Horace Mann Educators' own Interest Coverage has ranged from 1.85 to 16.15 over the past decade. While the company's 10-year median is 7.48 vs. the industry median of 16.23, Horace Mann Educators has consistently been below 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.23, based on 351 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Horace Mann Educators's current Interest Coverage of 6.28 is 61.3% below 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Horace Mann Educators and its competitors. For the Insurance industry, the median Interest Coverage is 16.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Horace Mann Educators's current Interest Coverage is 6.28, which is 16% below median its own 10-year median of 7.48. 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 Interest Coverage is 6.28, which is 16% below median its 10-year median of 7.48 and 61.3% below the Insurance industry median of 16.23. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Horace Mann Educators (HMN), the current Interest Coverage is 6.28 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:
Interest Coverage: 6.28 (16% below median its 10-year median of 7.48)
GF Value™: $43.19 vs. price of $50.57 (17.1% above fair value)
Industry Position: 61.3% below the Insurance median (#249 of 351)
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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