What Is Horace Mann Educators Corporati (HMN) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, the balance of valuation evidence tilts cautious on Horace Mann Educators Corporati at its current price of $52.60. The composite intrinsic value is estimated at $93.65 (+78.0% average return), with 7 models flagging overvaluation risk. Model dispersion is worth noting: ML-RIV targets $263.13 (+400.2%), versus Sentiment SOTP at $18.95 (-64.0%). This +464.2% range highlights the importance of multi-model analysis rather than relying on any single methodology.
What Do the Models Say About HMN?
12 of 13 models are currently active for HMN. Of these, 4 models suggest upside while 8 models suggest overvaluation. The Bayesian DCF estimates HMN's intrinsic value at $227.52, implying +332.5% upside from the current price. See which stocks rank higher →
How Does HMN Rank in Fire, Marine & Casualty Insurance?
Among 50 Fire, Marine & Casualty Insurance stocks, HMN ranks #36 by Quality of Company score. CirclFi's QOC score of 7.6/10 evaluates 32 fundamental signals. A score of 7.6 indicates above-average quality.
See all Most Undervalued Fire, Marine & Casualty Insurance Stocks →
As a risk-bearing enterprise, Horace Mann Educators Corporati operates in a sector where investment float is a critical driver of valuation. Investors evaluating HMN should weigh these sector-specific dynamics alongside our model-derived fair values.
Is HMN a Value Trap?
CirclFi's Value Trap algorithm assigns HMN a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for Horace Mann Educators Corporati. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Horace Mann Educators Corporati is rated at 7.6/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.
The gap between the most bullish and bearish model spans +464.2% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every HMN valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across HMN's 12 active models, average confidence is 42%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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