HMN (Horace Mann Educators) Moat Score: 4/10 (As of Jun. 28, 2026)


HMN Horace Mann Educators Corp HMN
76 GF Score
Price $51.60
GF Value $43.20
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Horace Mann Educators Moat Score?

Horace Mann Educators HMN +1.84% 76 Moat Score is 4 as of Jun. 28, 2026. GuruFocus rates HMN with a GF Score™ of 76/100 and a GF Value™ of $43.20 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 601 Insurance companies, Horace Mann Educators ranks better than 79.7% on this metric.

Horace Mann Educators has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Horace Mann Educators has Narrow Moat: Horace Mann Educators Corp has a discernible but modest moat due to its niche focus on educators and some customer loyalty. However, it lacks significant regulatory barriers, intellectual property, or strong pricing power to ensure a wider moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Horace Mann Educators might have Narrow Moat - Discernible but modest moat.

Horace Mann Educators  (NYSE:HMN) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Horace Mann Educators Moat Score Related Terms

HMN vs STC, SLDE, HCI: Moat Score Comparison

For the Insurance - Property & Casualty subindustry, Horace Mann Educators's Moat Score, along with its competitors' market caps and Moat 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 Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Horace Mann Educators's Moat Score distribution charts can be found below:

* The bar in red indicates where Horace Mann Educators's Moat Score falls into.


HMN
76GF Score
Horace Mann Educators Corp HMN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Horace Mann Educators (HMN) has a Moat Score of 4 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Horace Mann Educators ranks #122 out of 601 companies in the Insurance industry, placing it in the top 20.3%.
Is Horace Mann Educators' Moat Score too high?
Horace Mann Educators' current Moat Score is 4. Based on the distribution chart, Horace Mann Educators ranks #122 out of 601 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 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Horace Mann Educators' Moat Score compare to STC and SLDE?
According to the Insurance industry distribution chart, Horace Mann Educators ranks #122 out of 601 companies for Moat Score. This places Horace Mann Educators in the top 20% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Horace Mann Educators's current Moat Score is 4. 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 $51.60 — trading 19.4% above its estimated fair value. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Horace Mann Educators (HMN), the current Moat Score is 4 as of Jun. 28, 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 $51.60 is trading 19.4% above its estimated GF Value™ of $43.20. GuruFocus considers Horace Mann Educators to be Modestly Overvalued.

Key valuation signals for HMN:

  • Moat Score: 4
  • GF Value™: $43.20 vs. price of $51.60 (19.4% 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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$51.60
Price
$43.20
GF Value