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Horace Mann Educators HMN Automobile Liability — Outstanding prior to 2016

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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:ShortdurationInsuranceContractsLiabilityForUnpaidClaimsAndAllocatedClaimAdjustmentExpenseNetNotSeparatelyPresented.

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 automobile liability — outstanding prior to 2016?
Horace Mann Educators (HMN) reported automobile liability — outstanding prior to 2016 of $800K in Q4 2025.
How has Horace Mann Educators's automobile liability — outstanding prior to 2016 changed year-over-year?
Horace Mann Educators's automobile liability — outstanding prior to 2016 decreased by 11.1% year-over-year, from $900K to $800K.
What does automobile liability — outstanding prior to 2016 mean?
This metric isolates the remaining liability for automobile insurance claims originating from accident years prior to 2016. It is used to monitor the long-tail nature of legacy claims and the adequacy of historical reserves. Tracking this balance helps investors evaluate the potential for future reserve releases or charges related to older underwriting years.