What does auto physical damage — year eight mean?

Tracks the financial results of auto physical damage insurance in the eighth year of development. This helps investors understand the residual risk and historical performance of legacy insurance cohorts.

Horace Mann Educators HMN Auto physical damage — Year Eight

Similar metrics at other companies

HIGAutomobiles — 8th Year

1.7%+0.3pp

SAFTPrivate Passenger Automobile Physical Damage — Shortduration Insurance Contracts Historical Claims Duration Year Eight

0%—

CNACommercial Auto — Year 8

0.9%0.0pp

ALLAuto insurance - physical damage coverage — 4 years

-0.2%0.0pp

HIGPersonal automobile physical damage — 2nd Year

4.4%-1.9pp

UFCSCommercial automobile — Year 8

0.4%-0.2pp

Other financials

Income statement

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Revenue$429.3M+3.1%

Net income$41.2M+7.9%

EPS (diluted)$1.00+8.7%

Balance sheet

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Cash & equivalents$20.9M-31.0%

Total debt$593.8M+8.5%

Total equity$1.5B+9.5%

Total assets$15.0B+4.0%

Cash flow

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Operating cash flow$61.3M-56.5%

Valuation

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Market cap$2.04B+18.8%

Enterprise value$2.61B+17.0%

P/E12.4×-2.6×

P/S1.2×+0.1×

Profitability

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Net margin9.6%+2.6pp

Returns & leverage

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Return on equity11.7%+2.8pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearEight.

The official record: Horace Mann Educators’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Horace Mann Educators's auto physical damage — year eight?: Horace Mann Educators (HMN) reported auto physical damage — year eight of 0% in Q4 2025.
What does auto physical damage — year eight mean?: Tracks the financial results of auto physical damage insurance in the eighth year of development. This helps investors understand the residual risk and historical performance of legacy insurance cohorts.