What does auto physical damage — year seven mean?

Measures the ongoing financial impact of auto physical damage coverage seven years after the initial policy period. It serves as a benchmark for evaluating the long-term accuracy of actuarial projections for property and casualty segments.

Horace Mann Educators HMN Auto physical damage — Year Seven

Similar metrics at other companies

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

0%—

SAFTCommercial Automobile Physical Damage — Shortduration Insurance Contracts Historical Claims Duration Year Seven

0%—

ALLAuto Insurance Physical Damage Coverage — 5 years

0%—

ALLAuto Insurance Physical Damage Coverage — 1 year

93.1%0.0pp

HIGAutomobiles — 7th Year

5.9%+1.1pp

ALLAuto Insurance Physical Damage Coverage — 2 years

7.2%+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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearSeven.

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 seven?: Horace Mann Educators (HMN) reported auto physical damage — year seven of 0% in Q4 2025.
What does auto physical damage — year seven mean?: Measures the ongoing financial impact of auto physical damage coverage seven years after the initial policy period. It serves as a benchmark for evaluating the long-term accuracy of actuarial projections for property and casualty segments.