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

Horace Mann Educators (HMN) reported auto physical damage — year six of 0% in Q4 2025.

What does auto physical damage — year six mean?

Indicates the financial activity associated with auto physical damage insurance policies in their sixth year of development. This metric is used to monitor the finalization of claims and the release of reserves for mature insurance portfolios.

Horace Mann Educators HMN Auto physical damage — Year Six

Similar metrics at other companies

KMPRSpecialty Personal Automobile Insurance—Physical Damage — Year 5

99.8%-0.2pp

HIGPersonal automobile physical damage — 2nd Year

4.4%-1.9pp

ALLAuto Insurance Physical Damage Coverage — 5 years

0%—

KMPRCommercial Automobile Insurance—Physical Damage — Year 5

100%0.0pp

KMPRPreferred Personal Automobile Insurance—Physical Damage — Year 5

100%0.0pp

HIGAutomobiles — 6th Year

8.1%-0.1pp

Other financials

Income statement

See full

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

See full

Net margin9.6%+2.6pp

Returns & leverage

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearSix.

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 six?: Horace Mann Educators (HMN) reported auto physical damage — year six of 0% in Q4 2025.
What does auto physical damage — year six mean?: Indicates the financial activity associated with auto physical damage insurance policies in their sixth year of development. This metric is used to monitor the finalization of claims and the release of reserves for mature insurance portfolios.