What does auto physical damage — year nine mean?

Represents the financial performance of auto physical damage insurance segments in the ninth year of development. It is used to assess the maturity of the claims process and the ultimate profitability of older insurance business.

Horace Mann Educators HMN Auto physical damage — Year Nine

Similar metrics at other companies

HIGAutomobiles — 9th Year

0.6%-0.3pp

CNACommercial Auto — Year 9

0.7%+0.2pp

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

0%—

UFCSCommercial automobile — Year 9

0.5%+0.3pp

HIGPersonal automobile physical damage — 2nd Year

4.4%-1.9pp

SAFTCommercial Automobile Physical Damage — Short Duration Insurance Contracts Historical Claims Duration Year Nine Adjustment

0%—

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearNine.

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 nine?: Horace Mann Educators (HMN) reported auto physical damage — year nine of 0% in Q4 2025.
What does auto physical damage — year nine mean?: Represents the financial performance of auto physical damage insurance segments in the ninth year of development. It is used to assess the maturity of the claims process and the ultimate profitability of older insurance business.