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

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

What does auto physical damage — year ten mean?

Captures the financial data for auto physical damage coverage at the ten-year development milestone. This metric provides a comprehensive view of the long-term loss experience and the final settlement phase of the insurance product line.

Horace Mann Educators HMN Auto physical damage — Year Ten

Similar metrics at other companies

CNACommercial Auto — Year 10

0%—

ALLAuto Insurance Physical Damage Coverage — 5 years

0%—

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

0%—

SAFTCommercial Automobile Physical Damage — Short Duration Insurance Contracts Historical Claims Duration Year Ten Adjustments

0%—

ALLAuto Insurance Physical Damage Coverage — 1 year

93.1%0.0pp

UFCSCommercial automobile — Year 10

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTen.

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 ten?: Horace Mann Educators (HMN) reported auto physical damage — year ten of 0% in Q4 2025.
What does auto physical damage — year ten mean?: Captures the financial data for auto physical damage coverage at the ten-year development milestone. This metric provides a comprehensive view of the long-term loss experience and the final settlement phase of the insurance product line.