Horace Mann EducatorsHMN +1.84%76 OCF Yield % is 22.73 as of Jun. 27, 2026, which is 62% above its 10-year median of 14.06. 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 504 Insurance companies, Horace Mann Educators ranks better than 83.13% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Horace Mann Educators OCF Yield % Related Terms
Horace Mann Educators OCF Yield % Historical Data
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The historical data trend for Horace Mann Educators's OCF Yield % 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.
For the Insurance - Property & Casualty subindustry, Horace Mann Educators's OCF Yield %, along with its competitors' market caps and OCF Yield % 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 OCF Yield % vs Insurance Industry
For the Insurance industry and Financial Services sector, Horace Mann Educators's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Horace Mann Educators's OCF Yield % falls into.
* 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 OCF Yield % of 22.73 as of Jun. 27, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Horace Mann Educators and its competitors. This is 62% above median its historical median of 14.06. Over the past decade, Horace Mann Educators' OCF Yield % has ranged from 5.37 to 36.05. According to the industry distribution chart, Horace Mann Educators ranks #85 out of 504 companies in the Insurance industry, placing it in the top 16.9%.
Is Horace Mann Educators' OCF Yield % too high?
Horace Mann Educators' current OCF Yield % of 22.73 is 62% above median its 10-year median of 14.06. Over the past 10 years, this metric has ranged from a low of 5.37 to a high of 36.05. The Insurance industry median OCF Yield % is 8.05. Horace Mann Educators' value of 22.73 is 182.5% above this industry median. Based on the distribution chart, Horace Mann Educators ranks #85 out of 504 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' OCF Yield % compare to SKWD and HCI?
According to the Insurance industry distribution chart, Horace Mann Educators ranks #85 out of 504 companies for OCF Yield %. This places Horace Mann Educators in the top 17% of its industry — outperforming the majority of peers. The industry median OCF Yield % is 8.05. Horace Mann Educators' value of 22.73 is 182.5% above this benchmark. Historically, Horace Mann Educators' own OCF Yield % has ranged from 5.37 to 36.05 over the past decade. While the company's 10-year median is 14.06 vs. the industry median of 8.05, Horace Mann Educators has consistently been above 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 OCF Yield % for an Insurance company?
The median OCF Yield % among Insurance companies is 8.05, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Horace Mann Educators's current OCF Yield % of 22.73 is 182.5% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Horace Mann Educators and its competitors. For the Insurance industry, the median OCF Yield % is 8.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Horace Mann Educators's current OCF Yield % is 22.73, which is 62% above median its own 10-year median of 14.06. 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 OCF Yield % is 22.73, which is 62% above median its 10-year median of 14.06 and 182.5% above the Insurance industry median of 8.05. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Horace Mann Educators (HMN), the current OCF Yield % is 22.73 as of Jun. 27, 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:
OCF Yield %: 22.73 (62% above median its 10-year median of 14.06)
GF Value™: $43.20 vs. price of $51.60 (19.4% above fair value)
Industry Position: 182.5% above the Insurance median (#85 of 504)
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
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