HMN (Horace Mann Educators) Long-Term Debt: $594 Mil (As of Mar. 2026)


HMN Horace Mann Educators Corp HMN
76 GF Score
Price $53.56
GF Value $43.33
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Horace Mann Educators Long-Term Debt?

Horace Mann Educators HMN -0.54% 76 Long-Term Debt is $594 Mil as of Mar. 2026. GuruFocus rates HMN with a GF Score™ of 76/100 and a GF Value™ of $43.33 (Modestly Overvalued). The stock has 8 warning signs investors should review.

Horace Mann Educators's Long-Term Debt for the quarter that ended in Mar. 2026 was $594 Mil.

Horace Mann Educators's quarterly Long-Term Debt declined from Sep. 2025 ($843 Mil) to Dec. 2025 ($593 Mil) but then increased from Dec. 2025 ($593 Mil) to Mar. 2026 ($594 Mil).

Horace Mann Educators's annual Long-Term Debt increased from Dec. 2023 ($546 Mil) to Dec. 2024 ($547 Mil) and increased from Dec. 2024 ($547 Mil) to Dec. 2025 ($593 Mil).

Horace Mann Educators  (NYSE:HMN) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Horace Mann Educators Long-Term Debt Related Terms

Horace Mann Educators Long-Term Debt Historical Data

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The historical data trend for Horace Mann Educators's Long-Term Debt 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.

Horace Mann Educators Long-Term Debt Chart

Horace Mann Educators Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 253.60 249.00 546.00 547.00 593.40

Horace Mann Educators Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 547.20 547.50 842.90 593.40 593.80
HMN
76GF Score
Horace Mann Educators Corp HMN
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $594 Mil mean?
Horace Mann Educators (HMN) has a Long-Term Debt of $594 Mil as of Mar. 2026.
Is Horace Mann Educators' Long-Term Debt too high?
Horace Mann Educators' current Long-Term Debt is $594 Mil. 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' Long-Term Debt compare to STC and SLDE?
Horace Mann Educators' Long-Term Debt of $594 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for an Insurance company?
A good Long-Term Debt depends on the Insurance industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Horace Mann Educators's current Long-Term Debt is $594 Mil. 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 $43.33, compared to a current price of $53.56 — trading 23.6% above its estimated fair value. The current Long-Term Debt is $594 Mil. 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 Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Horace Mann Educators (HMN), the current Long-Term Debt is $594 Mil 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 $53.56 is trading 23.6% above its estimated GF Value™ of $43.33. GuruFocus considers Horace Mann Educators to be Modestly Overvalued.

Key valuation signals for HMN:

  • Long-Term Debt: $594 Mil
  • GF Value™: $43.33 vs. price of $53.56 (23.6% above fair value)
  • GF Score™: 76/100 with 8 warning signs

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 Business Description

Address 1 Horace Mann Plaza, Springfield, IL, USA, 62715-0001
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

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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$53.56
Price
$43.33
GF Value