What is Horace Mann Educators's auto physical damage — year one?

Horace Mann Educators (HMN) reported auto physical damage — year one of 95% in Q4 2025.

What does auto physical damage — year one mean?

Represents the net earned premiums or incurred losses specifically attributed to auto physical damage coverage during the first year of policy issuance or development. This metric helps assess the initial profitability and risk profile of new auto insurance business.

Horace Mann Educators HMN Auto physical damage — Year One

Similar metrics at other companies

HIGPersonal automobile physical damage — 1st Year

93.3%+1.4pp

KMPRPreferred Personal Automobile Insurance—Physical Damage — Year 1

97.3%-0.1pp

KMPRCommercial Automobile Insurance—Physical Damage — Year 1

87.2%+1.8pp

KMPRSpecialty Personal Automobile Insurance—Physical Damage — Year 1

94.7%+1.7pp

ALLAuto Insurance Physical Damage Coverage — 1 year

93.1%0.0pp

HIGCommercial automobile physical damage — 1st Year

80.7%+2.5pp

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%

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.

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

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What is Horace Mann Educators's auto physical damage — year one?: Horace Mann Educators (HMN) reported auto physical damage — year one of 95% in Q4 2025.
What does auto physical damage — year one mean?: Represents the net earned premiums or incurred losses specifically attributed to auto physical damage coverage during the first year of policy issuance or development. This metric helps assess the initial profitability and risk profile of new auto insurance business.