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

Horace Mann Educators (HMN) reported group disability — year four of 3.8% in Q4 2025.

What does group disability — year four mean?

Quantifies the number of group disability insurance members reaching their fourth year of enrollment. Consistent growth or stability in this cohort indicates strong product-market fit and long-term retention within the educator segment.

Horace Mann Educators HMN Group Disability — Year Four

Similar metrics at other companies

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

9.1%-0.2pp

HIGGroup Insurance Policy — 4th Year

7.9%-0.1pp

ACGLSpecialty — Year Four

6.7%+0.3pp

METGroup Life - Term — Short-duration Insurance Contracts, Historical Claims Duration, Year Four

0.4%+0.1pp

KMPRHomeowners — Year 4

98.4%+0.1pp

PFGLong Term Disability Group Life Waiver — Shortduration Insurance Contracts Historical Claims Duration Year Four

8%0.0pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFour.

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 group disability — year four?: Horace Mann Educators (HMN) reported group disability — year four of 3.8% in Q4 2025.
What does group disability — year four mean?: Quantifies the number of group disability insurance members reaching their fourth year of enrollment. Consistent growth or stability in this cohort indicates strong product-market fit and long-term retention within the educator segment.