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Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. Horace Mann Educators's current 3-Year Share Buyback Ratio was 0.20%.
The historical rank and industry rank for Horace Mann Educators's 3-Year Share Buyback Ratio or its related term are showing as below:
HMN'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -12.4 Med: 0 Max: 13.3
Current: 0.2
During the past 13 years, Horace Mann Educators's highest 3-Year Share Buyback Ratio was 13.30%. The lowest was -12.40%. And the median was 0.00%.
HMN's 3-Year Share Buyback Ratio is ranked better than 57.55% of 278
companies
in the Insurance industry
Industry Median: -0.1
vs HMN: 0.20
Horace Mann Educators (NYSE:HMN) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Horace Mann Educators 3-Year Share Buyback Ratio Related Terms
HMN vs STC, HCI, SLDE: 3-Year Share Buyback Ratio Comparison
For the Insurance - Property & Casualty subindustry, Horace Mann Educators's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Horace Mann Educators's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Horace Mann Educators's 3-Year Share Buyback Ratio falls into.
Horace Mann Educators 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of 0.20 mean?
Horace Mann Educators (HMN) has a 3-Year Share Buyback Ratio of 0.20 as of Jun. 2026. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Horace Mann Educators and its competitors. According to the industry distribution chart, Horace Mann Educators ranks #118 out of 278 companies in the Insurance industry, placing it in the top 42.4%.
Is Horace Mann Educators' 3-Year Share Buyback Ratio too high?
Horace Mann Educators' current 3-Year Share Buyback Ratio is 0.20. Based on the distribution chart, Horace Mann Educators ranks #118 out of 278 companies in the Insurance industry, which is above the industry midpoint. Overall, Horace Mann Educators has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Horace Mann Educators' 3-Year Share Buyback Ratio compare to STC and HCI?
According to the Insurance industry distribution chart, Horace Mann Educators ranks #118 out of 278 companies for 3-Year Share Buyback Ratio. This puts Horace Mann Educators in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for an Insurance company?
A good 3-Year Share Buyback Ratio depends on the Insurance industry context. However, 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Horace Mann Educators and its competitors. Horace Mann Educators's current 3-Year Share Buyback Ratio is 0.20. 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 Fairly Valued. The stock's GF Value™ is $47.34, compared to a current price of $50.39 — trading 6.4% above its estimated fair value. The current 3-Year Share Buyback Ratio is 0.20. Horace Mann Educators' overall GF Score™ is 72/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For Horace Mann Educators (HMN), the current 3-Year Share Buyback Ratio is 0.20 as of Jun. 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 $50.39 is trading 6.4% above its estimated GF Value™ of $47.34.
GuruFocus considers Horace Mann Educators to be Fairly Valued.
Key valuation signals for HMN:
3-Year Share Buyback Ratio: 0.20
GF Value™: $47.34 vs. price of $50.39 (6.4% above fair value)
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.
72GF Score
Get the complete analysis for HMN
3-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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