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Horace Mann Educators HMN Automobile Liability — Year Two

Similar metrics at other companies

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KMPRCommercial Automobile Insurance—Liability — Year 2
46.6%-5.5pp
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HIGAutomobiles — 2nd Year
54.1%+0.3pp
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KMPRSpecialty Personal Automobile Insurance—Liability — Year 2
77%-0.8pp
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CNAGeneral Liability — Year 2
12.1%-0.4pp
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KMPRCommercial Automobile Insurance—Physical Damage — Year 2
100%0.0pp
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HIGGeneral Liability — 2nd Year
8.3%+0.5pp

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%

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

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 two?
Horace Mann Educators (HMN) reported automobile liability — year two of 35.6% in Q4 2025.
How has Horace Mann Educators's automobile liability — year two changed year-over-year?
Horace Mann Educators's automobile liability — year two increased by 0.8% year-over-year, from 35.3% to 35.6%.
What does automobile liability — year two mean?
Represents the cumulative incurred losses and loss adjustment expenses for automobile liability claims as they develop into the second year. It provides insight into the stability of initial loss estimates and the impact of claim settlement trends on the insurer's profitability.