What is Horace Mann Educators's group disability — year five?

Horace Mann Educators (HMN) reported group disability — year five of 3.2% in Q4 2025.

What does group disability — year five mean?

Represents the count of group disability insurance members in the fifth year of their policy tenure. This metric is essential for assessing the long-term sustainability and recurring revenue potential of the disability insurance business line.

Horace Mann Educators HMN Group Disability — Year Five

Similar metrics at other companies

UNMGroup Disability — Issuances

$0—

HIGGroup Insurance Policy — 5th Year

6.2%-0.1pp

METGroup Long-Term Disability — Short-duration Insurance Contracts, Historical Claims Duration, Year Five

6.5%-0.2pp

UNMGroup Disability — Gross premiums or assessments

$814.6M+4.5%

UNMGroup Disability — Liability for Future Policy Benefit, Expected Future Gross Premium, Discounted, before Reinsurance

$0—

UNMGroup Disability — Expected future gross premiums

$0—

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

The official record: Horace Mann Educators’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

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What is Horace Mann Educators's group disability — year five?: Horace Mann Educators (HMN) reported group disability — year five of 3.2% in Q4 2025.
What does group disability — year five mean?: Represents the count of group disability insurance members in the fifth year of their policy tenure. This metric is essential for assessing the long-term sustainability and recurring revenue potential of the disability insurance business line.