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

Horace Mann Educators's automobile liability — year six decreased by 5.9% year-over-year, from 1.7% to 1.6%.

What does automobile liability — year six mean?

Captures the cumulative loss development for automobile liability claims at the six-year maturity level. It serves as a key indicator of the company's ability to accurately forecast and settle complex liability claims over an extended period.

Horace Mann Educators HMN Automobile Liability — Year Six

Similar metrics at other companies

UFCSCommercial automobile — Year 6

3.2%+0.1pp

CNAGeneral Liability — Year 6

9.8%+0.6pp

HIGAutomobiles — 6th Year

8.1%-0.1pp

CNACommercial Auto — Year 6

5.5%+0.4pp

HIGGeneral Liability — 6th Year

12.8%+0.5pp

ORIGeneral Liability — Year 6

8%+0.1pp

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+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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearSix.

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 six?: Horace Mann Educators (HMN) reported automobile liability — year six of 1.6% in Q4 2025.
How has Horace Mann Educators's automobile liability — year six changed year-over-year?: Horace Mann Educators's automobile liability — year six decreased by 5.9% year-over-year, from 1.7% to 1.6%.
What does automobile liability — year six mean?: Captures the cumulative loss development for automobile liability claims at the six-year maturity level. It serves as a key indicator of the company's ability to accurately forecast and settle complex liability claims over an extended period.