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Horace Mann Educators Corporation (HMN) Total Return Calculator with Dividends Reinvested

Horace Mann Educators Corporation

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The total return for Horace Mann Educators Corporation (HMN) stock is +11.63% over the past 12 months. So far it's up 0.73% this year. The 5-year total return is +29.14%, meaning $10,000 invested in HMN stock 5 years ago would be worth $12,914 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in HMN 1 year ago, it would be worth $11,115 today — you'd have gained $1,115 with dividends reinvested.

With Dividends Reinvested$11,115+11.15%

Price Only (No DRIP)$10,765+7.65%

Dividend Boost+$3504 payments · +3.50% extra

Period2025-05-08 → 2026-05-07

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in HMN

1Y$11,163+$1,163 (+11.6%)11.6% CAGR

3Y$14,945+$4,945 (+49.5%)14.3% CAGR

5Y$12,914+$2,914 (+29.1%)5.2% CAGR

10Y$17,476+$7,476 (+74.8%)5.7% CAGR

15Y$35,509+$25,509 (+255.1%)8.8% CAGR

20Y$36,299+$26,299 (+263.0%)6.7% CAGR

30Y$42,490+$32,490 (+324.9%)4.9% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-06-16	$0.35	$42.15	+0.008304
2025-09-16	$0.35	$45.68	+0.007726
2025-12-15	$0.35	$46.07	+0.007719
2026-03-17	$0.36	$42.16	+0.008742

Loading HMN total return...

As of 2026-05-08

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+0.73%	—	-0.07%	+0.80 pp	$10,073
1Y	+11.63%	11.63%	+8.25%	+3.38 pp	$11,163
3Y	+49.45%	14.33%	+36.98%	+12.47 pp	$14,945
5Y	+29.14%	5.25%	+12.57%	+16.58 pp	$12,914
10Y	+74.76%	5.74%	+37.23%	+37.52 pp	$17,476
15Y	+255.09%	8.82%	+161.29%	+93.81 pp	$35,509
20Y	+262.99%	6.66%	+159.48%	+103.51 pp	$36,299
30Y	+324.90%	4.94%	+186.66%	+138.24 pp	$42,490

Risk & Highlights

Best Year+54.68%2013

Worst Year-51.25%2008

Max Drawdown-12.82%2025-09-12 → 2026-03-20

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	-3.70%	-3.70%	—	+0.41%	-4.1pp
2025	+22.98%	+19.36%	+3.6pp	+16.64%	+6.3pp
2024	+20.80%	+16.76%	+4.0pp	+24.00%	-3.2pp
2023	-9.52%	-13.03%	+3.5pp	+24.81%	-34.3pp
2022	-0.15%	-3.46%	+3.3pp	-19.95%	+19.8pp

HMN underperformed the S&P 500 by 18.74pp over the past year (+11.63% vs +30.37%).

Loading summary...

HMN Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
HMNHorace Mann Educators Corporation	$1.8B	+2.7%	+0.7%	+11.6%	+3.4pp	+49.5%	+29.1%	+74.8%
AFLAflac Incorporated	$58.5B	+2.8%	+3.6%	+8.4%	+2.2pp	+77.1%	+118.8%	+272.5%
CNOCNO Financial Group, Inc.	$4.3B	+10.1%	+9.2%	+23.5%	+1.8pp	+120.6%	+81.9%	+171.6%
GLGlobe Life Inc.	$12.0B	+6.1%	+10.6%	+27.0%	+0.9pp	+43.6%	+48.3%	+175.7%
FGF&G Annuities & Life, Inc.	$3.7B	+10.1%	-9.0%	-22.0%	+2.6pp	+77.6%	+78.6%	+78.6%
METMetLife, Inc.	$51.4B	+10.7%	-1.2%	+4.9%	+2.2pp	+58.9%	+32.9%	+153.9%
PRUPrudential Financial, Inc.	$34.6B	+2.1%	-11.5%	+3.6%	+5.4pp	+39.5%	+17.7%	+89.0%
LNCLincoln National Corporation	$6.9B	+2.9%	-18.2%	+11.0%	+5.3pp	+95.0%	-35.2%	+24.5%
UNMUnum Group	$13.0B	+6.1%	+5.2%	+2.0%	+2.3pp	+90.5%	+193.8%	+177.2%
PFGPrincipal Financial Group, Inc.	$21.7B	+9.8%	+12.8%	+33.0%	+4.0pp	+52.3%	+70.7%	+195.8%
VOYAVoya Financial, Inc.	$7.4B	+17.5%	+6.0%	+24.1%	+2.8pp	+19.9%	+23.2%	+189.7%

Compare:HMN vs AFL HMN vs CNO HMN vs GL HMN vs AFL vs CNO

About HMN Dividend Returns

Horace Mann Educators Corporation (HMN) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of HMN over the past year?

Horace Mann Educators Corporation (HMN) delivered a total return of 11.63% over the past year when dividends are reinvested. The price-only return was 8.25%, meaning dividends contributed an additional 3.38 percentage points to total returns.

Q2How much would $10,000 invested in HMN be worth today?

A $10,000 investment in Horace Mann Educators Corporation one year ago would be worth $11,163 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $10,825. Dividend reinvestment added $338 to the portfolio value.

Q3Does HMN pay dividends?

Yes, Horace Mann Educators Corporation (HMN) pays dividends. In the last year, HMN paid approximately $1.37 per share in dividends (3.04% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did HMN beat the S&P 500?

No, Horace Mann Educators Corporation (HMN) underperformed the S&P 500 by 18.74 percentage points over the past year. HMN delivered a total return of 11.63%, compared to the S&P 500's 30.37%. This means a passive S&P 500 index fund outperformed HMN by 18.74pp during this period.

Q5What is HMN's worst drawdown?

Horace Mann Educators Corporation (HMN) experienced a maximum drawdown of -12.82% over the past year, declining from its peak on 2025-09-12 to its trough on 2026-03-20. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is HMN's long-term total return over 10, 20, or 30 years?

Here are Horace Mann Educators Corporation (HMN)'s long-term returns with dividends reinvested. Over 10 years, the total return is 74.8% (5.7% CAGR) — $10,000 would have grown to $17,476. Over 20 years: 263.0% total return (6.7% CAGR) — $10,000 → $36,299. Over 30 years: 324.9% total return (4.9% CAGR) — $10,000 → $42,490. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was HMN's best and worst year?

Horace Mann Educators Corporation's best calendar year was 2013 with a total return of 54.7%. Its worst year was 2008 with a total return of -51.2%. This range shows the volatility investors should expect — the difference between the best and worst year is 105.9 percentage points.