What is Horace Mann Educators's homeowners — prior years paid?

Horace Mann Educators (HMN) reported homeowners — prior years paid of $0 in Q4 2025.

What does homeowners — prior years paid mean?

This metric captures the total claims and adjustment expenses paid during the current period that relate to homeowners insurance policies issued in previous years. It is a key indicator of the development of prior-year reserves and the accuracy of historical actuarial estimates. Tracking this helps investors understand the impact of past underwriting decisions on current financial performance.

Horace Mann Educators HMN Homeowners — Prior years paid

Similar metrics at other companies

ALLHome Owners — Prior years

-$112M-1,300%

SIGIHomeowners — Incurred loss and loss expense for claims occurring in the prior year

$1.25M+457%

CINFHomeowner — Prior accident years

-$15M+21.1%

ALLHome Owners — Total prior year reserve reestimates

$8.5M+109%

CINFHomeowner — 2

27.1%+0.4pp

MCYProperty insurance product line, homeowners' — Adjustments for prior year claims

-$29M-480%

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:ShortdurationInsuranceContractsLiabilityForUnpaidClaimsAndClaimAdjustmentExpenseOtherReconcilingItem.

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 homeowners — prior years paid?: Horace Mann Educators (HMN) reported homeowners — prior years paid of $0 in Q4 2025.
What does homeowners — prior years paid mean?: This metric captures the total claims and adjustment expenses paid during the current period that relate to homeowners insurance policies issued in previous years. It is a key indicator of the development of prior-year reserves and the accuracy of historical actuarial estimates. Tracking this helps investors understand the impact of past underwriting decisions on current financial performance.