Horace Mann EducatorsHMN -0.49%69 5-Year Yield-on-Cost % is 3.10 as of Jul. 11, 2026, which is 14% below its 10-year median of 3.59. GuruFocus rates HMN with a GF Score™ of 69/100 and a GF Value™ of $43.39 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 418 Insurance companies, Horace Mann Educators ranks worse than 61.24% on this metric.
Horace Mann Educators's yield on cost for the quarter that ended in Mar. 2026 was 3.10.
The historical rank and industry rank for Horace Mann Educators's 5-Year Yield-on-Cost % or its related term are showing as below:
HMN'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.71 Med: 3.59 Max: 5.31
Current: 3.1
During the past 13 years, Horace Mann Educators's highest Yield on Cost was 5.31. The lowest was 2.71. And the median was 3.59.
HMN's 5-Year Yield-on-Cost % is ranked worse than 61.24% of 418
companies
in the Insurance industry
Industry Median: 3.985
vs HMN: 3.10
Horace Mann Educators (NYSE:HMN) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Horace Mann Educators 5-Year Yield-on-Cost % Related Terms
HMN vs STC, SLDE, HCI: 5-Year Yield-on-Cost % Comparison
For the Insurance - Property & Casualty subindustry, Horace Mann Educators's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Insurance Industry
For the Insurance industry and Financial Services sector, Horace Mann Educators's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Horace Mann Educators's 5-Year Yield-on-Cost % falls into.
Horace Mann Educators 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Horace Mann Educators (HMN) has a 5-Year Yield-on-Cost % of 3.10 as of Jul. 11, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Horace Mann Educators and its competitors. This is 14% below median its historical median of 3.59. Over the past decade, Horace Mann Educators' 5-Year Yield-on-Cost % has ranged from 2.71 to 5.31. According to the industry distribution chart, Horace Mann Educators ranks #256 out of 418 companies in the Insurance industry, placing it in the top 61.2%.
Is Horace Mann Educators' 5-Year Yield-on-Cost % too high?
Horace Mann Educators' current 5-Year Yield-on-Cost % of 3.10 is 14% below median its 10-year median of 3.59. Over the past 10 years, this metric has ranged from a low of 2.71 to a high of 5.31. The Insurance industry median 5-Year Yield-on-Cost % is 3.99. Horace Mann Educators' value of 3.10 is 22.2% below this industry median. Based on the distribution chart, Horace Mann Educators ranks #256 out of 418 companies in the Insurance industry, which is below the industry midpoint. Overall, Horace Mann Educators has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Horace Mann Educators' 5-Year Yield-on-Cost % compare to STC and SLDE?
According to the Insurance industry distribution chart, Horace Mann Educators ranks #256 out of 418 companies for 5-Year Yield-on-Cost %. This places Horace Mann Educators in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.99. Horace Mann Educators' value of 3.10 is 22.2% below this benchmark. Historically, Horace Mann Educators' own 5-Year Yield-on-Cost % has ranged from 2.71 to 5.31 over the past decade. While the company's 10-year median is 3.59 vs. the industry median of 3.99, Horace Mann Educators has consistently been below 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 5-Year Yield-on-Cost % for an Insurance company?
The median 5-Year Yield-on-Cost % among Insurance companies is 3.99, based on 418 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Horace Mann Educators's current 5-Year Yield-on-Cost % of 3.10 is 22.2% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Horace Mann Educators and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 3.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Horace Mann Educators's current 5-Year Yield-on-Cost % is 3.10, which is 14% below median its own 10-year median of 3.59. 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 $43.39, compared to a current price of $52.53 — trading 21.1% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.10, which is 14% below median its 10-year median of 3.59 and 22.2% below the Insurance industry median of 3.99. Horace Mann Educators' overall GF Score™ is 69/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Horace Mann Educators (HMN), the current 5-Year Yield-on-Cost % is 3.10 as of Jul. 11, 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 $52.53 is trading 21.1% above its estimated GF Value™ of $43.39.
GuruFocus considers Horace Mann Educators to be Modestly Overvalued.
Key valuation signals for HMN:
5-Year Yield-on-Cost %: 3.10 (14% below median its 10-year median of 3.59)
GF Value™: $43.39 vs. price of $52.53 (21.1% above fair value)
Industry Position: 22.2% below the Insurance median (#256 of 418)
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.
69GF Score
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