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HMNHorace Mann Educators Corporation
$42.88
Analysis updated: Jan 16, 2026

Investment Thesis

HMN is a market laggard (RS 44/99, Top 56%) with strong fundamentals. avoid chasing - protect capital. Smart traders skip this one until the setup improves.

Weak relative strength + ordinary growth = Pass

Key Takeaways

Earnings Momentum

-3%
Q4'24
$0.92
+44%
Q1'25
$0.92
+689%
Q2'25
$0.71
+69%
Q3'25
$1.40
Earnings Growing

Price Structure

Partial Alignment
Price
$42.88
50 DMA
$45.48
100 DMA
$45.38
150 DMA
$44.43
200 DMA
$43.83
Alignment Score: 3/4

HMN Price Chart

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50 DMA150 DMA200 DMA
LEADERSHIP TEST FAILED

RS Rating 44/99 is in Bottom 44% of market. Minervini target: Top 20% (RS 80+)

Why Not BUY Yet?

RS Rating
44 (Top 56%)>80 (Top 20%)
Pattern
No base formingVCP or constructive base
Trend
Weak DowntrendAbove 200 DMA
Breakout Status
-8.7% below entry ($46.96)Price above breakout entry

What Would Change Our Mind?

To turn bullish on HMN, we need:

Twin Engines Dashboard

Technical Health

RS Rating
44/99
Top 56% (Need 80+)
Trend
Weak Downtrend
Below 200 DMA
RSI (14)
31
WEAK
VCP Setup
COOL
Score: 3/9
Volume
198K
-14% vs avg
From Entry
-8.7%
$46.96

Fundamental Horsepower

EPS Qtr YoY
+69%
Accelerating
EPS 3Y CAGR
-10%
Annual Earnings
Revenue Qtr
+5%
WEAK
F-Score
7/9
Piotroski Quality
ROE
8%
Return on Equity
EPS Rank
74/99
Percentile

Trade Plan

Breakout Failed

Breakout failed — now -8.7% from entry.

Setup invalid. Wait for new base to form before considering re-entry.

Entry Price$46.96Breakout price
Current Loss-8.7%Below entry
Stop Was$43.20Should have exited

If/Then Playbook

IF: RS Rating improves to >80
THEN: Re-evaluate for WATCHLIST
IF: Price closes below 200 DMA
THEN: Remove from radar entirely
IF: EPS growth accelerates to >40% next quarter
THEN: Reassess as potential turnaround

Key Price Levels

Resistance

  • 200 DMA$43.83+2.2%
  • 20 DMA$45.48+6.1%
  • 50 DMA$45.48+6.1%
Current$42.88

Support

  • 52W Low$37.21-13.2%

Frequently Asked Questions

Is HMN stock a buy now?

HMN is a market laggard (RS 44/99, Top 56%) with strong fundamentals. avoid chasing - protect capital. Smart traders skip this one until the setup improves.

What is the buy point for HMN?

HMN's breakout at $46.96 has failed (now -8.7% below entry). The setup is no longer valid — wait for a new base pattern to form.

What is HMN's RS Rating?

HMN has an RS Rating of 44/99, meaning it's in the Top 56% of all stocks for relative price performance over the past 12 months. Minervini recommends RS 80+ for momentum trades.

Important Disclosure: This analysis is for educational and informational purposes only. Technical and fundamental indicators are based on historical data and do not guarantee future performance. Past performance is not indicative of future results. Always conduct your own research and consult with a qualified financial advisor before making investment decisions.