How has Horace Mann Educators's automobile liability — year four changed year-over-year?

Horace Mann Educators's automobile liability — year four decreased by 1.5% year-over-year, from 6.8% to 6.7%.

What does automobile liability — year four mean?

Tracks the cumulative loss development for automobile liability policies at the four-year stage of the claim lifecycle. It helps investors understand the long-tail nature of liability claims and the reliability of the company's historical loss reserving methodology.

Horace Mann Educators HMN Automobile Liability — Year Four

Similar metrics at other companies

KMPRCommercial Automobile Insurance—Liability — Year 4

79.2%-3.0pp

UFCSCommercial automobile — Year 4

11.8%-0.6pp

HIGAutomobiles — 4th Year

25.3%+0.3pp

ALLAuto Insurance Liability Coverage — 4 years

7.8%-1.0pp

CNAGeneral Liability — Year 4

16.6%-0.2pp

TRVAutomobile — Short-duration Insurance Contracts, Historical Claims Duration, Year Four

19.2%-1.1pp

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%

Enterprise value$2.61B+1.6%

P/E12.4×-5.7×

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

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 — year four?: Horace Mann Educators (HMN) reported automobile liability — year four of 6.7% in Q4 2025.
How has Horace Mann Educators's automobile liability — year four changed year-over-year?: Horace Mann Educators's automobile liability — year four decreased by 1.5% year-over-year, from 6.8% to 6.7%.
What does automobile liability — year four mean?: Tracks the cumulative loss development for automobile liability policies at the four-year stage of the claim lifecycle. It helps investors understand the long-tail nature of liability claims and the reliability of the company's historical loss reserving methodology.