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Horace Mann Educators HMN Auto physical damage — Year Two

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Other financials

Income statement

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Revenue$443.5M+7.7%
Net income$41.6M+41.5%
EPS (diluted)$1.01+42.3%

Balance sheet

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Cash & equivalents$46.2M+13.0%
Total debt$594.2M+8.5%
Total equity$1.5B+10.5%
Total assets$15.6B+5.9%

Cash flow

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Operating cash flow$223.7M+70.4%

Valuation

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Market cap$2.19B+26.6%
Enterprise value$2.73B+22.4%
P/E12.3×0.0×
P/S1.3×+0.2×

Profitability

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Net margin10.2%+1.7pp

Returns & leverage

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Return on equity12.4%+1.5pp
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 source filing: Horace Mann Educators’s 10-K, filed February 27, 2026.

Filed
Feb 27, 2026, 1:09 PM EST
Fiscal year
FY2025
Accession
0000850141-26-000007
Years12345678910
Homeowners78.5%18.6%2.2%0.5%0.2%—————
Auto liability37.1%35.6%15.0%6.7%3.3%1.6%0.5%0.1%0.1%—
Auto physical damage95.0%5.3%(0.3)%———————

ITEM 8. I Financial Statements and Supplementary Data

FAQ

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.

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