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Horace Mann Educators HMN Automobile Liability — Year Two

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Other financials

Income statement

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Revenue$443.5M+7.7%
Net income$41.6M+41.5%
EPS (diluted)$1.01+42.3%

Balance sheet

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Cash & equivalents$46.2M+13.0%
Total debt$594.2M+8.5%
Total equity$1.5B+10.5%
Total assets$15.6B+5.9%

Cash flow

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Operating cash flow$223.7M+70.4%

Valuation

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Market cap$2.19B+26.6%
Enterprise value$2.73B+22.4%
P/E12.3×0.0×
P/S1.3×+0.2×

Profitability

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Net margin10.2%+1.7pp

Returns & leverage

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Return on equity12.4%+1.5pp
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 source filing: Horace Mann Educators’s 10-K, filed February 27, 2026.

Filed
Feb 27, 2026, 1:09 PM EST
Fiscal year
FY2025
Accession
0000850141-26-000007
Years12345678910
Homeowners78.5%18.6%2.2%0.5%0.2%—————
Auto liability37.1%35.6%15.0%6.7%3.3%1.6%0.5%0.1%0.1%—
Auto physical damage95.0%5.3%(0.3)%———————

ITEM 8. I Financial Statements and Supplementary Data

FAQ

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.

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