What does homeowners — outstanding prior to 2016 mean?

This metric tracks the remaining unpaid claim liabilities for homeowners insurance policies originating from years prior to 2016. It serves as a measure of the long-tail risk associated with older underwriting cohorts. Investors use this to evaluate the company's ability to accurately estimate and settle legacy claims over extended periods.

Horace Mann Educators HMN Homeowners — Outstanding prior to 2016

Similar metrics at other companies

ALLHome Owners — All outstanding liabilities before 2021, net of recoverables

$153M+15.9%

ALLHome Owners — Net outstanding liabilities

$4.12B-3.4%

AIZGlobal Housing — Outstanding claims and benefits payable before 2021, net of reinsurance

$16.3M+64.6%

EIGPrior years

$109.15M+10.5%

MCYProperty insurance product line, homeowners' — All outstanding liabilities before 2016, net of reinsurance

$1.15M-2.2%

KMPRHomeowners — Outstanding Loss and Allocated LAE Reserves on Accident Years before 2015, Net of Reinsurance

$1.7M+113%

Other financials

Income statement

See full

Revenue$429.3M+3.1%

Net income$41.2M+7.9%

EPS (diluted)$1.00+8.7%

Balance sheet

See full

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

See full

Operating cash flow$61.3M-56.5%

Valuation

See full

Market cap$2.04B+18.8%

Enterprise value$2.61B+17.0%

P/E12.4×-2.6×

P/S1.2×+0.1×

Profitability

See full

Net margin9.6%+2.6pp

Returns & leverage

See full

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:ShortdurationInsuranceContractsLiabilityForUnpaidClaimsAndAllocatedClaimAdjustmentExpenseNetNotSeparatelyPresented.

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 homeowners — outstanding prior to 2016?: Horace Mann Educators (HMN) reported homeowners — outstanding prior to 2016 of $0 in Q4 2025.
What does homeowners — outstanding prior to 2016 mean?: This metric tracks the remaining unpaid claim liabilities for homeowners insurance policies originating from years prior to 2016. It serves as a measure of the long-tail risk associated with older underwriting cohorts. Investors use this to evaluate the company's ability to accurately estimate and settle legacy claims over extended periods.