What is Horace Mann Educators's homeowners — year eight?

Horace Mann Educators (HMN) reported homeowners — year eight of 0% in Q4 2025.

What does homeowners — year eight mean?

Reflects the financial results of homeowners insurance policies in their eighth year of active coverage. It provides insight into the stability and lifetime value of the most loyal segment of the homeowners insurance customer base.

Horace Mann Educators HMN Homeowners — Year Eight

Similar metrics at other companies

KMPRHomeowners — Year 4

98.4%+0.1pp

SIGIHomeowners — Short-duration insurance contracts, historical claims duration, year eight

0%—

KMPRHomeowners — Year 5

98.8%-0.5pp

HIGProperty Insurance — 8th Year

0.3%0.0pp

HIGAutomobiles — 8th Year

1.7%+0.3pp

EGProperty Insurance — Year eight

1.8%-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-1.1%

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearEight.

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 — year eight?: Horace Mann Educators (HMN) reported homeowners — year eight of 0% in Q4 2025.
What does homeowners — year eight mean?: Reflects the financial results of homeowners insurance policies in their eighth year of active coverage. It provides insight into the stability and lifetime value of the most loyal segment of the homeowners insurance customer base.