(HMN) Horace Mann Educators - Ratings and Ratios

Horace Mann Educators Corporation (NYSE: HMN) is a U.S.-based insurance holding company with a focus on serving educators and public school employees. Founded in 1945 and headquartered in Springfield, Illinois, the company operates through three distinct segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits. This diversified approach allows Horace Mann to cater to a wide range of insurance needs within its niche market.

The Property & Casualty segment offers a variety of insurance products, including private passenger auto insurance, residential home insurance, and personal umbrella insurance. This segment also provides auto coverages such as liability and collision, as well as property coverage for homeowners and renters. The Life & Retirement segment specializes in tax-qualified fixed, fixed indexed, and variable annuities, along with retirement plans tailored for educators and employees of tax-exempt organizations, enabling them to utilize pretax income for retirement contributions.

The Supplemental & Group Benefits segment provides employer-sponsored products such as accident, critical illness, limited-benefit fixed indemnity insurance, term life, and short-term and long-term disability coverage. Additionally, this segment offers worksite direct products, including supplemental heart, cancer, disability, and accident coverage. This comprehensive suite of insurance solutions is designed to meet the specific needs of educators and public school employees, making Horace Mann a key player in this specialized market.

As of the latest data, Horace Mann Educators Corporation has a market capitalization of approximately $1.681 billion USD, with a price-to-earnings (P/E) ratio of 16.37 and a price-to-book (P/B) ratio of 1.31. These metrics provide insights into the companys valuation and financial health, which are critical for investors and fund managers evaluating potential investments in the insurance sector. For more information, visit their official website at https://www.horacemann.com.