Horace Mann Educators's quarterly market cap
increased
from Sep. 2025 ($1,844 Mil) to Dec. 2025 ($1,878 Mil) but then
declined
from Dec. 2025 ($1,878 Mil) to Mar. 2026 ($1,723 Mil).
Horace Mann Educators's annual market cap
increased
from Dec. 2023 ($1,335 Mil) to Dec. 2024 ($1,603 Mil) and
increased
from Dec. 2024 ($1,603 Mil) to Dec. 2025 ($1,878 Mil).
Enterprise Value is the theoretical takeover price. It is more comprehensive than market capitalization (market cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash and cash equivalents. Horace Mann Educators's Enterprise Value for Today is $2,617 Mil.
Horace Mann Educators (NYSE:HMN) Market Cap Explanation
Market cap is not the real price you pay for a company. If you buy the company and become its owner, you become the owner of the cash the company has, and you also assume the companys debt. The real price you pay is the Enterprise Value.
Warren Buffett uses the ratio of total market cap of all public traded companies over GDP to measure if the market is expensive. As of April 2012, the US total market cap is about $14.7 trillion, while the US GDP is about $15 trillion. The market was modestly overvalued.
* 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 Market Cap, along with its competitors' market caps and Market Cap 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 Market Cap vs Insurance Industry
For the Insurance industry and Financial Services sector, Horace Mann Educators's Market Cap distribution charts can be found below:
* The bar in red indicates where Horace Mann Educators's Market Cap falls into.
Market cap is the short version of market capitalization. It is the total market value to buy the whole company. It is equal to the share price times the number of shares outstanding.
Horace Mann Educators's Market Cap for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Market Cap of $2,042 Mil as of Jun. 25, 2026. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on Horace Mann Educators and its competitors. According to the industry distribution chart, Horace Mann Educators ranks #185 out of 519 companies in the Insurance industry, placing it in the top 35.6%.
Is Horace Mann Educators' Market Cap too high?
Horace Mann Educators' current Market Cap is $2,042 Mil. The Insurance industry median Market Cap is 667.83. Horace Mann Educators' value of $2,042 Mil is 205.8% above this industry median. Based on the distribution chart, Horace Mann Educators ranks #185 out of 519 companies in the Insurance industry, which is above 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' Market Cap compare to SKWD and HCI?
According to the Insurance industry distribution chart, Horace Mann Educators ranks #185 out of 519 companies for Market Cap. This puts Horace Mann Educators in the upper half of its industry. The industry median Market Cap is 667.83. Horace Mann Educators' value of $2,042 Mil is 205.8% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Market Cap for an Insurance company?
The median Market Cap among Insurance companies is 667.83, based on 519 companies in the industry. Companies in the top quartile (top 25%) have a Market Cap significantly above this median, while those in the bottom quartile fall well below. However, Market Cap should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Horace Mann Educators's current Market Cap of $2,042 Mil is 205.8% 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 Market Cap mean?
A high Market Cap can signal that a stock is expensive relative to its fundamentals. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on Horace Mann Educators and its competitors. For the Insurance industry, the median Market Cap is 667.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Horace Mann Educators's current Market Cap is $2,042 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 $43.19, compared to a current price of $50.57 — trading 17.1% above its estimated fair value. The current Market Cap is $2,042 Mil and 205.8% above the Insurance industry median of 667.83. 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 Market Cap calculated?
Market Cap is calculated from a company's financial statements. For Horace Mann Educators (HMN), the current Market Cap is $2,042 Mil as of Jun. 25, 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:
Market Cap: $2,042 Mil
GF Value™: $43.19 vs. price of $50.57 (17.1% above fair value)
Industry Position: 205.8% above the Insurance median (#185 of 519)
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
Get the complete analysis for HMN
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