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

Horace Mann Educators (HMN) reported auto physical damage — year two of 5.3% in Q4 2025.

What does auto physical damage — year two mean?

Measures the financial performance of auto physical damage insurance policies in their second year of development. Monitoring this cohort helps evaluate the persistence and loss experience of policies as they mature beyond the initial underwriting period.

Horace Mann Educators HMN Auto physical damage — Year Two

Similar metrics at other companies

HIGPersonal automobile physical damage — 2nd Year

4.4%-1.9pp

KMPRCommercial Automobile Insurance—Physical Damage — Year 2

100%0.0pp

KMPRPreferred Personal Automobile Insurance—Physical Damage — Year 2

100%0.0pp

HIGCommercial automobile physical damage — 2nd Year

14.7%-2.6pp

KMPRSpecialty Personal Automobile Insurance—Physical Damage — Year 2

100%0.0pp

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-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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

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 two?: Horace Mann Educators (HMN) reported auto physical damage — year two of 5.3% in Q4 2025.
What does auto physical damage — year two mean?: Measures the financial performance of auto physical damage insurance policies in their second year of development. Monitoring this cohort helps evaluate the persistence and loss experience of policies as they mature beyond the initial underwriting period.