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

Horace Mann Educators (HMN) reported group disability — year seven of 2.7% in Q4 2025.

What does group disability — year seven mean?

Tracks the number of group disability insurance members in their seventh year of continuous coverage. This cohort represents highly loyal customers and contributes to the stability of the insurance risk pool.

Horace Mann Educators HMN Group Disability — Year Seven

Similar metrics at other companies

HIGGroup Insurance Policy — 7th Year

4.3%-0.2pp

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

4.7%-0.2pp

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

0.1%0.0pp

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

4.4%0.0pp

HIGGroup Insurance Policy — 6th Year

5.2%0.0pp

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

5.8%-0.2pp

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearSeven.

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 seven?: Horace Mann Educators (HMN) reported group disability — year seven of 2.7% in Q4 2025.
What does group disability — year seven mean?: Tracks the number of group disability insurance members in their seventh year of continuous coverage. This cohort represents highly loyal customers and contributes to the stability of the insurance risk pool.