Stock Ratings / Financials / HMN / options

KMPR (67) PLGO (44) SAFT (64) UFCS (70) ⌘ Pro Terminal →

Horace Mann Educators Corporation (HMN) Options Positioning, Max Pain & Unusual Sweeps

$46.62 +1.79% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

Horace Mann Educators Corporation (HMN) carries a Roarable Rating of C- (Hold) with 61/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $1.89B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE+1.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for HMN)Realized 20D OHLCV Swing Band: ±3.9%

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±3.9%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (HMN)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for HMN.

Sponsored / Partner SpotlightACTIVE TRADER & PROP EVALUATION DESK

Practice in Our Weekly $100,000 Paper Arena Before Risking Personal Capital

Keep your personal nest egg in cash while trading NQ, ES, Crude, and Gold momentum using institutional prop-desk buying power.

FTC Disclosure: Roarable may receive partner referral compensation at no cost to you. Partner relationships never influence RQD scores.

🏆 Enter Free $100K Paper Arena →

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating HMN & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on HMN
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

HMN // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +2.60%📐 HORIZONTAL RANGE

2026-10-30O $47.19H $47.19L $46.53C $46.62VOL 298.4K

RES: $49.90SUP: $44.11SMA50: $47.73SMA200: $46.89

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

HMN Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 HMN Butterfly Map → + Track HMN →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

1.8%/yr Implied 5Y Growth

vs. +6.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on HMN today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for HMN. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for HMN today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HMN)

Financials Rank #456 of 1096 ⚔️ KMPR vs HMN Full Matrix →

1. Head-to-Head Financials Peer Comparison (HMN vs. KMPR, PLGO, SAFT, UFCS)

Industry: Property-Casualty Insurers (68 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Horace Mann Educators Corporation (HMN) ranks #456 by composite RQD confidence (61/100, grade C-) and #434 by equity capitalization ($1.89B). Within this direct 5-issuer industry benchmark cohort, HMN leads on earnings valuation at 11.6x trailing P/E, while UFCS leads on capital efficiency and profitability with 12.6% ROIC and — gross margin. UFCS currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with HMN at 61/100 (C-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
HMN ACTIVE Horace Mann Educators Corporation	C-	61/100	11.6x	—	10.9%	+1.79%	$1.89B	Benchmark Subject
KMPR Kemper Corporation	C+	67/100	13.4x	—	5.3%	+10.48%	$1.92B	/kmpr-vs-hmn →
PLGO Pelagos Insurance Capital Limited	D	44/100	—	—	—	+1.91%	$2.26B	/plgo-vs-hmn →
SAFT Safety Insurance Group Inc.	C	64/100	15.4x	—	11.1%	0.00%	$1.53B	/saft-vs-hmn →
UFCS United Fire Group Inc.	B-	70/100	12.4x	—	12.6%	+1.19%	$1.46B	/ufcs-vs-hmn →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000850141

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Horace Mann Educators Corporation (HMN) reported GAAP revenue of $1.70B (+6.7% vs. FY2024 revenue of $1.60B , and +14.0% cumulative change since FY2023) , GAAP net income of $162.1M, operating cash flow of $553.2M, and free cash flow of $553.2M (+22.4% YoY). On the balance sheet, HMN closed FY2025 with $15.27B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$1.70B	$162.1M	$553.2M	$553.2M	$15.27B	—
FY2024 (FY)	2024-12-31	$1.60B	$102.8M	$452.1M	$452.1M	$14.49B	—
FY2023 (FY)	2023-12-31	$1.49B	$45.0M	$302.1M	$302.1M	—	—

3. HMN Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is HMN stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Horace Mann Educators Corporation (NYSE: HMN) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $46.62 (+1.79% 1D, market cap $1.89B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, HMN ranks #456 in composite RQD confidence.

How does HMN compare to KMPR and PLGO in the Financials sector?

Within the Financials sector (Property-Casualty Insurers), HMN carries a Roarable C- (61/100 RQD), trailing P/E of 11.6x, gross margin of —, and ROIC of 10.9%. By comparison, KMPR (Kemper Corporation) holds a C+ grade (67/100 RQD, P/E 13.4x, ROIC 5.3%, cap $1.92B) and PLGO (Pelagos Insurance Capital Limited) posts a D grade (44/100 RQD, P/E N/A, ROIC —, cap $2.26B). Among the 5-stock peer group, HMN leads on earnings multiple (11.6x) while UFCS leads on capital efficiency (12.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for HMN?

Per HMN's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000850141), Horace Mann Educators Corporation generated $1.70B in revenue (+6.7% YoY), $162.1M in net income, and $553.2M in free cash flow against $15.27B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is HMN trading relative to its 50-day, 200-day, and 52-week technical levels?

HMN last traded at $46.62 (+1.79% on volume of 200,418 shares), positioning the stock -2.33% below its 50-day simple moving average ($47.73) and -0.58% below its 200-day simple moving average ($46.89). Across its 52-week range of $41.29 to $55.56, HMN sits at the 37.4% percentile with a 14-day RSI of 51.0 (NEUTRAL RANGE) and an implied next-earnings move of ±3.9% ($44.80 to $48.44).

HMN Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is HMN's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for HMN.

Direct Sub-Reports: HMN RQD Cockpit HMN 12M Forecast HMN Earnings & Move HMN Dividends & DRIP HMN Insiders & 13F HMN Whale Options HMN Profit Sankey HMN News & Why