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Horace Mann Educators HMN Auto physical damage — Prior years paid

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Other financials

Income statement

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Revenue$443.5M+7.7%
Net income$41.6M+41.5%
EPS (diluted)$1.01+42.3%

Balance sheet

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Cash & equivalents$46.2M+13.0%
Total debt$594.2M+8.5%
Total equity$1.5B+10.5%
Total assets$15.6B+5.9%

Cash flow

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Operating cash flow$223.7M+70.4%

Valuation

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Market cap$2.11B+19.6%
Enterprise value$2.66B+17.1%
P/E11.9×-0.7×
P/S1.2×+0.1×

Profitability

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Net margin10.2%+1.7pp

Returns & leverage

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Return on equity12.4%+1.5pp
Debt / equity0.4×0.0×

Where this comes from

Reported directly by Horace Mann Educators in its filing.

Tagged under the XBRL concept us-gaap:ShortdurationInsuranceContractsLiabilityForUnpaidClaimsAndClaimAdjustmentExpenseOtherReconcilingItem.

The source filing: Horace Mann Educators’s 10-K, filed February 27, 2026.

Filed
Feb 27, 2026, 1:09 PM EST
Fiscal year
FY2025
Accession
0000850141-26-000007
($ in millions) / Automobile Physical Damage / Incurred Claims and Allocated Claim Adjustment Expense, Net of Reinsurance / Years Ended December 31, / Accident / Year($ in millions) / Automobile Physical Damage / Incurred Claims and Allocated Claim Adjustment Expense, Net of Reinsurance / Years Ended December 31, / Unaudited / 2016($ in millions) / Automobile Physical Damage / Incurred Claims and Allocated Claim Adjustment Expense, Net of Reinsurance / Years Ended December 31, / Unaudited / 2017($ in millions) / Automobile Physical Damage / Incurred Claims and Allocated Claim Adjustment Expense, Net of Reinsurance / Years Ended December 31, / Unaudited / 2018($ in millions) / Automobile Physical Damage / Incurred Claims and Allocated Claim Adjustment Expense, Net of Reinsurance / Years Ended December 31, / Unaudited / 2019($ in millions) / Automobile Physical Damage / Incurred Claims and Allocated Claim Adjustment Expense, Net of Reinsurance / Years Ended December 31, / Unaudited / 2020($ in millions) / Automobile Physical Damage / Incurred Claims and Allocated Claim Adjustment Expense, Net of Reinsurance / Years Ended December 31, / Unaudited / 2021($ in millions) / Automobile Physical Damage / Incurred Claims and Allocated Claim Adjustment Expense, Net of Reinsurance / Years Ended December 31, / Unaudited / 2022($ in millions) / Automobile Physical Damage / Incurred Claims and Allocated Claim Adjustment Expense, Net of Reinsurance / Years Ended December 31, / Unaudited / 2023($ in millions) / Automobile Physical Damage / Incurred Claims and Allocated Claim Adjustment Expense, Net of Reinsurance / Years Ended December 31, / Unaudited / 2024($ in millions) / Automobile Physical Damage / Incurred Claims and Allocated Claim Adjustment Expense, Net of Reinsurance / Years Ended December 31, 2025As of December 31, 2025 / Total of Incurred-But-Not-Reported Liabilities Plus Expected Developmenton Reported ClaimsAs of December 31, 2025 / Cumulative Number of Reported Claims
2022114.6124.3123.8123.8
2023122.0129.9129.6
2024120.5125.1
2025112.9
Total1,122.4
Outstanding prior to 2016
Prior years paid
Liabilities for claims and claim adjustment expenses, net of reinsurance$6.3

ITEM 8. I Financial Statements and Supplementary Data

FAQ

What is Horace Mann Educators's auto physical damage — prior years paid?
Horace Mann Educators (HMN) reported auto physical damage — prior years paid of $0 in Q4 2025.
What does auto physical damage — prior years paid mean?
This metric tracks the total claims and adjustment expenses paid during the current period that relate to accidents occurring in previous years. It is a key indicator of how well the company estimated its reserves in prior periods. Consistent or decreasing payments for prior years suggest stable and reliable actuarial reserving processes.

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