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Horace Mann Educators HMN Automobile Liability — Year Seven

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UFCSCommercial automobile — Year 7
1.6%-0.1pp
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5.9%+1.1pp
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8.1%-0.8pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearSeven.

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 seven?
Horace Mann Educators (HMN) reported automobile liability — year seven of 0.5% in Q4 2025.
How has Horace Mann Educators's automobile liability — year seven changed year-over-year?
Horace Mann Educators's automobile liability — year seven decreased by 0.0% year-over-year, from 0.5% to 0.5%.
What does automobile liability — year seven mean?
Measures the incurred losses for automobile liability at the seven-year development stage, providing a view into the tail-end risk of the insurance portfolio. This helps in assessing the long-term profitability and reserve adequacy for mature policy cohorts.