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Horace Mann Educators HMN Auto physical damage — Year Four

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KGCommercial Auto Liability — Year 4
18.2%—

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$2.19B+26.6%
Enterprise value$2.73B+22.4%
P/E12.3×0.0×
P/S1.3×+0.2×

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

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
Years12345678910
Homeowners78.5%18.6%2.2%0.5%0.2%—————
Auto liability37.1%35.6%15.0%6.7%3.3%1.6%0.5%0.1%0.1%—
Auto physical damage95.0%5.3%(0.3)%———————

ITEM 8. I Financial Statements and Supplementary Data

FAQ

What is Horace Mann Educators's auto physical damage — year four?
Horace Mann Educators (HMN) reported auto physical damage — year four of 0% in Q4 2025.
What does auto physical damage — year four mean?
Reflects the financial outcomes of auto physical damage insurance segments during the fourth year of policy development. It provides insight into the tail-end risk and the accuracy of initial loss reserves for older policy cohorts.

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