{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "5f34f78f-8ce1-4754-b4fe-1373a3f60a9d",
    "symbol": "HMN",
    "name": "Horace Mann Educators Corporation",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Insurance - Property & Casualty",
    "chart_url": "https://sharemaestro.com/terminal/5f34f78f-8ce1-4754-b4fe-1373a3f60a9d/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "5f34f78f-8ce1-4754-b4fe-1373a3f60a9d",
      "symbol": "HMN",
      "name": "Horace Mann Educators Corporation",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Insurance - Property & Casualty",
      "chart_url": "https://sharemaestro.com/terminal/5f34f78f-8ce1-4754-b4fe-1373a3f60a9d/"
    },
    "as_of_date": "2026-07-29",
    "market_cap": 2120011520.0,
    "market_cap_usd": 2103859061.2,
    "price": 52.5,
    "currency": "USD",
    "dividend_yield": 0.0278,
    "dividend_years": 34,
    "dividend_growth_5y": 0.03131031,
    "dividend_cut_5y": false,
    "payout_ratio": 0.3543,
    "net_income": 162100000.0,
    "free_cash_flow": 553200000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 0.40395,
    "revenue_growth_5y": 0.04732401,
    "net_margin": 0.09631,
    "roe": 0.11739001,
    "pe_ratio": 12.995049,
    "price_vs_ma": 0.14909591,
    "return_3y": 0.98893183,
    "return_5y": 0.5457293,
    "max_drawdown": -0.2976235,
    "scores": {
      "dividend_reliability": 25.0,
      "dividend_sustainability": 20.0,
      "business_quality": 20.5,
      "valuation": 15.0,
      "trend": 15.0,
      "total": 95.5,
      "confidence": 100.0
    },
    "rating": "exceptional",
    "rating_label": "Exceptional Dividend Compounder",
    "decision": "buyable_now",
    "decision_label": "Buyable Now",
    "warnings": [],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/5f34f78f-8ce1-4754-b4fe-1373a3f60a9d/",
      "chart": "https://sharemaestro.com/terminal/5f34f78f-8ce1-4754-b4fe-1373a3f60a9d/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 25.0,
    "dividend_sustainability": 20.0,
    "business_quality": 20.5,
    "valuation": 15.0,
    "trend": 15.0,
    "total": 95.5,
    "confidence": 100.0
  },
  "warnings": [],
  "diary": [
    {
      "event_date": "2026-07-01",
      "event_type": "qualified",
      "severity": "positive",
      "ticker": "HMN",
      "exchange": "NYSE",
      "headline": "HMN qualified as a dividend compounder candidate",
      "detail": "Score 95.5/100, decision Buyable Now.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/5f34f78f-8ce1-4754-b4fe-1373a3f60a9d/"
    },
    {
      "event_date": "2026-06-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HMN",
      "exchange": "NYSE",
      "headline": "HMN dividend payment 0.36 USD",
      "detail": "Recorded dividend payment for Horace Mann Educators Corporation.",
      "amount": 0.36,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/5f34f78f-8ce1-4754-b4fe-1373a3f60a9d/"
    },
    {
      "event_date": "2026-03-17",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HMN",
      "exchange": "NYSE",
      "headline": "HMN dividend payment 0.36 USD",
      "detail": "Recorded dividend payment for Horace Mann Educators Corporation.",
      "amount": 0.36,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/5f34f78f-8ce1-4754-b4fe-1373a3f60a9d/"
    },
    {
      "event_date": "2025-12-15",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HMN",
      "exchange": "NYSE",
      "headline": "HMN dividend payment 0.35 USD",
      "detail": "Recorded dividend payment for Horace Mann Educators Corporation.",
      "amount": 0.35,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/5f34f78f-8ce1-4754-b4fe-1373a3f60a9d/"
    },
    {
      "event_date": "2025-09-16",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HMN",
      "exchange": "NYSE",
      "headline": "HMN dividend payment 0.35 USD",
      "detail": "Recorded dividend payment for Horace Mann Educators Corporation.",
      "amount": 0.35,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/5f34f78f-8ce1-4754-b4fe-1373a3f60a9d/"
    },
    {
      "event_date": "2025-06-16",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HMN",
      "exchange": "NYSE",
      "headline": "HMN dividend payment 0.35 USD",
      "detail": "Recorded dividend payment for Horace Mann Educators Corporation.",
      "amount": 0.35,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/5f34f78f-8ce1-4754-b4fe-1373a3f60a9d/"
    },
    {
      "event_date": "2025-03-17",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HMN",
      "exchange": "NYSE",
      "headline": "HMN dividend payment 0.35 USD",
      "detail": "Recorded dividend payment for Horace Mann Educators Corporation.",
      "amount": 0.35,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/5f34f78f-8ce1-4754-b4fe-1373a3f60a9d/"
    },
    {
      "event_date": "2024-12-16",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HMN",
      "exchange": "NYSE",
      "headline": "HMN dividend payment 0.34 USD",
      "detail": "Recorded dividend payment for Horace Mann Educators Corporation.",
      "amount": 0.34,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/5f34f78f-8ce1-4754-b4fe-1373a3f60a9d/"
    },
    {
      "event_date": "2024-09-16",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HMN",
      "exchange": "NYSE",
      "headline": "HMN dividend payment 0.34 USD",
      "detail": "Recorded dividend payment for Horace Mann Educators Corporation.",
      "amount": 0.34,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/5f34f78f-8ce1-4754-b4fe-1373a3f60a9d/"
    },
    {
      "event_date": "2024-06-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HMN",
      "exchange": "NYSE",
      "headline": "HMN dividend payment 0.34 USD",
      "detail": "Recorded dividend payment for Horace Mann Educators Corporation.",
      "amount": 0.34,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/5f34f78f-8ce1-4754-b4fe-1373a3f60a9d/"
    },
    {
      "event_date": "2024-03-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HMN",
      "exchange": "NYSE",
      "headline": "HMN dividend payment 0.34 USD",
      "detail": "Recorded dividend payment for Horace Mann Educators Corporation.",
      "amount": 0.34,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/5f34f78f-8ce1-4754-b4fe-1373a3f60a9d/"
    },
    {
      "event_date": "2023-12-13",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HMN",
      "exchange": "NYSE",
      "headline": "HMN dividend payment 0.33 USD",
      "detail": "Recorded dividend payment for Horace Mann Educators Corporation.",
      "amount": 0.33,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/5f34f78f-8ce1-4754-b4fe-1373a3f60a9d/"
    },
    {
      "event_date": "2023-09-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "HMN",
      "exchange": "NYSE",
      "headline": "HMN dividend payment 0.33 USD",
      "detail": "Recorded dividend payment for Horace Mann Educators Corporation.",
      "amount": 0.33,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/5f34f78f-8ce1-4754-b4fe-1373a3f60a9d/"
    },
    {
      "event_date": "2016-03-17",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "HMN",
      "exchange": "NYSE",
      "headline": "Dividend increased 6.0%",
      "detail": "Payment changed from 0.25 to 0.265.",
      "amount": 0.265,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/5f34f78f-8ce1-4754-b4fe-1373a3f60a9d/"
    },
    {
      "event_date": "2015-03-12",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "HMN",
      "exchange": "NYSE",
      "headline": "Dividend increased 8.7%",
      "detail": "Payment changed from 0.23 to 0.25.",
      "amount": 0.25,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/5f34f78f-8ce1-4754-b4fe-1373a3f60a9d/"
    },
    {
      "event_date": "2014-03-13",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "HMN",
      "exchange": "NYSE",
      "headline": "Dividend increased 17.9%",
      "detail": "Payment changed from 0.195 to 0.23.",
      "amount": 0.23,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/5f34f78f-8ce1-4754-b4fe-1373a3f60a9d/"
    },
    {
      "event_date": "2013-03-14",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "HMN",
      "exchange": "NYSE",
      "headline": "Dividend increased 21.9%",
      "detail": "Payment changed from 0.16 to 0.195.",
      "amount": 0.195,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/5f34f78f-8ce1-4754-b4fe-1373a3f60a9d/"
    },
    {
      "event_date": "2012-12-13",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "HMN",
      "exchange": "NYSE",
      "headline": "Dividend increased 23.1%",
      "detail": "Payment changed from 0.13 to 0.16.",
      "amount": 0.16,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/5f34f78f-8ce1-4754-b4fe-1373a3f60a9d/"
    },
    {
      "event_date": "2011-12-15",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "HMN",
      "exchange": "NYSE",
      "headline": "Dividend increased 18.2%",
      "detail": "Payment changed from 0.11 to 0.13.",
      "amount": 0.13,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/5f34f78f-8ce1-4754-b4fe-1373a3f60a9d/"
    }
  ]
}