MaxDividends Ideas: Could This Niche Insurer Be Your Next Income Stream?
3.21% Dividend Yield and 16 Years of Increases
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MaxDividends Ideas: 3.21% Dividend Yield and 16 Years of Increases
This Niche Insurer Could Be Your Next Income Stream
Imagine getting a steady 3.21% dividend yield from a company that’s quietly been bumping up those payments for 16 years straight.
Not flashy, not risky—just steady. We're talking about a company that’s carved out a nice little niche helping educators and their families protect their financial future.
Say Hello to Horace Mann Educators Corporation (NYSE: HMN)
Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. The company operates through Property & Casualty, Life & Retirement, and Supplemental & Group Benefits segments.
Horace Mann was founded in 1945 by two Springfield, Illinois, teachers who saw a need for quality, affordable auto insurance for teachers. Since then, we've broadened our mission to helping all educators protect what they have today and prepare for a successful tomorrow.
Financial Score: 84 / 99
Horace Mann Educators isn’t some newcomer throwing cash at shareholders for attention. Nope, they’ve been in the game since 1945, tailoring insurance and financial services specifically for teachers and school staff.
Think of them as the financial backbone for the education world. That’s a customer base that’s as loyal as it gets.
3.21% Yield with Plenty of Fuel in the Tank
So, why pay attention to a 3.21% yield? Because this isn’t one of those shaky dividends where you’re left wondering if it’ll vanish next quarter. With a payout ratio of just 54.18%, Horace Mann is keeping things real.
They’ve got more than enough cash flow to keep these payouts coming and even grow them. No over-the-top risks here—just reliable, bite-sized income.
A Quiet Streak of 16 Years of Dividend Bumps
Here’s something you don’t see every day: 16 years of consecutive dividend increases. It’s not skyrocketing growth, but it’s there, year after year, like clockwork.
Over the past three years, they’ve averaged a 3.23% dividend growth. They’re not trying to impress with crazy hikes, just a solid, steady boost that builds up over time.
Horace Mann Educators - Quick MaxDividends Team Overview
🟢 Statement: According to the latest reports, the company is profitable
🟢 Sales: Sales are stable and growing, business is developing
🟢 Profitability: Analysis shows that in recent years and to date, operating profit has been growing, there is good dynamics in this matter
🟠 Earnings: The dynamics of earnings per share are negative, the trend is downward, it is worth taking a closer look at sales and operating profit
🟢 Overall: In general, the company shows good results, demonstrating stability, development and only sometimes small drawdowns.Important Notice
If you want to stay on top of your portfolio's health, don't forget to check in on the financials of the companies you've invested in. The better shape they’re in, the better your results will be. Keep an eye on their quarterly and annual reports to see how they're performing.
MaxDividends Top Stocks pay sustainable dividends by decades without interruption, rasing them consistently over years.
Financial Statement
Here is a quick dive into Horace Mann Educators financials over last years
To keep your portfolio in good shape, make sure you're regularly checking the financials of the companies you're invested in. Stronger companies deliver better results, so it’s important to track their quarterly and annual reports.
Top-tier companies usually have a Financial Score of 80+, with the best hitting 90+. If you notice that score dropping below 80, it might be time to rethink your position before things go south.👉 Learn more about Financial Score
This is just the free version of MaxDividends. In the Premium version, our members get access to a curated watchlist of 19,000 companies worldwide, all scored by our team on a regular basis.
Companies with 90+ Financial Score already there and Standex International Corp is tracked too on that list. Don’t forget to check Financial Score periodically. Or switch on notifications about changes.
Interesting Fact
Named After the “Father of American Education”
Here’s a neat bit of trivia: Horace Mann Educators is named after Horace Mann, a legendary figure who pushed for universal public education back in the 1800s.
He’s kind of a big deal in education history—perfect fit for a company that’s been all about supporting teachers from day one.
Top 3 Competitors
HCI Group (💡 undervalued but check carefully financials)
The Travelers Companies Inc
Selective Insurance Group (overvalued)
Every week on Mondays, our team handpick top 10 high yield dividend growing reliable undervalued stocks to invest in. All the MaxDividends Top companies you can find in the MaxDividends List.
Bottom Line
Horace Mann Isn’t Flashy, But It’s Rock Solid
With a 3.21% yield, a reliable 16-year streak of dividend increases, and a sensible payout ratio, Horace Mann Educators isn’t here to grab headlines.
It’s here to pay you, consistently. If you’re after a no-fuss dividend that’s built to last, this educator-focused insurer might just be worth a spot in your portfolio.
Premium version of MaxDividends will get you access to up-to-date Financial Score Scanner with 19,000 companies worldwide.
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Buy Horace Mann Educators Now?
To get the most from your investments it is always better identify time the company undervalued or at least fairy valued.
This is a free version of MaxDividends. In Premium version you’ll get access to clear signals of the intrinsic value of company at the moment.
More About Horace Mann Educators
Additionally, today we have prepared a detailed analysis of Horace Mann Educators.
Using the MaxDividends 7 step system of stock analysis, we have analyzed all the components of the business in detail and given our full conclusion on the business and its prospects.
The full report on the company is available to Premium Partners in PDF format.
Unlock MaxDividends Premium to get access to the most promising dividend ideas and tools with MaxDividends community of like-minded.
We put this research together as a team, and it took us about 3 days to prep everything. I’d be happy to chat if you have any ideas or questions!
💡 We're all about growing the cash flow everyone gets in their pocket each month. No stressing over price swings or stock market noise.
My Comments
The insurance industry is highly competitive. There are many strong players in this business. Horace Mann Educators is a good business. We have analyzed it in detail in a detailed report, showing its strengths and pointing out its weaknesses.
Important, pay attention to competitors and compare financial indicators. The history of sustainable development and current market valuation are of great importance. It is better to buy at a discount.
I believe that there are several players in this industry that definitely deserve the attention of every dividend investor. They are discussed in more detail in a detailed report on Horace Mann Educators. Thank you!
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