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.

Horace Mann Educators HMN Auto physical damage — Year Four

Similar metrics at other companies

KMPRCommercial Automobile Insurance—Physical Damage — Year 4

100%0.0pp

KMPRPreferred Personal Automobile Insurance—Physical Damage — Year 4

100%0.0pp

ALLAuto insurance - physical damage coverage — 4 years

-0.2%0.0pp

KMPRSpecialty Personal Automobile Insurance—Physical Damage — Year 4

99.8%-0.2pp

HIGPersonal automobile physical damage — 3rd Year

-0.2%-0.1pp

HIGAutomobiles — 4th Year

25.3%+0.3pp

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-1.1%

Enterprise value$2.61B+1.6%

P/E12.4×-5.7×

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

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 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.