HMN (Horace Mann Educators) Tariff Resilience Score: 8/10 (As of Jun. 30, 2026)


HMN Horace Mann Educators Corp HMN
73 GF Score
Price $51.65
GF Value $43.20
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Horace Mann Educators Tariff Resilience Score?

Horace Mann Educators HMN -0.79% 73 Tariff Resilience Score is 8 as of Jun. 30, 2026. GuruFocus rates HMN with a GF Score™ of 73/100 and a GF Value™ of $43.20 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 598 Insurance companies, Horace Mann Educators ranks better than 87.63% on this metric.

Horace Mann Educators has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

Horace Mann Educators has Primarily a U.S.-focused insurance company with minimal exposure to international trade tariffs. Limited global supply chain dependencies and no significant import/export activities.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Horace Mann Educators might have Highly Resilient.

Horace Mann Educators  (NYSE:HMN) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Horace Mann Educators Tariff Resilience Score Related Terms

HMN vs STC, SLDE, HCI: Tariff Resilience Score Comparison

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

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

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


HMN
73GF Score
Horace Mann Educators Corp HMN
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
Horace Mann Educators (HMN) has a Tariff Resilience Score of 8 as of Jun. 30, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Horace Mann Educators ranks #74 out of 598 companies in the Insurance industry, placing it in the top 12.4%.
Is Horace Mann Educators' Tariff Resilience Score too high?
Horace Mann Educators' current Tariff Resilience Score is 8. Based on the distribution chart, Horace Mann Educators ranks #74 out of 598 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 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Horace Mann Educators' Tariff Resilience Score compare to STC and SLDE?
According to the Insurance industry distribution chart, Horace Mann Educators ranks #74 out of 598 companies for Tariff Resilience Score. This places Horace Mann Educators in the top 12% 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 Tariff Resilience Score for an Insurance company?
A good Tariff Resilience Score depends on the Insurance industry context. However, Tariff Resilience 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Horace Mann Educators's current Tariff Resilience Score is 8. 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 $51.65 — trading 19.6% above its estimated fair value. The current Tariff Resilience Score is 8. Horace Mann Educators' overall GF Score™ is 73/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Horace Mann Educators (HMN), the current Tariff Resilience Score is 8 as of Jun. 30, 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 $51.65 is trading 19.6% above its estimated GF Value™ of $43.20. GuruFocus considers Horace Mann Educators to be Modestly Overvalued.

Key valuation signals for HMN:

  • Tariff Resilience Score: 8
  • GF Value™: $43.20 vs. price of $51.65 (19.6% above fair value)
  • GF Score™: 73/100 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.
73GF Score

Get the complete analysis for HMN

Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$51.65
Price
$43.20
GF Value