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

Horace Mann Educators (HMN) reported homeowners — year five of 0.2% in Q4 2025.

How has Horace Mann Educators's homeowners — year five changed year-over-year?

Horace Mann Educators's homeowners — year five decreased by 50.0% year-over-year, from 0.4% to 0.2%.

What does homeowners — year five mean?

Captures the performance of homeowners insurance policies that have been in force for five years. This metric is used to evaluate the maturity of the insurance book and the sustainability of revenue streams from long-standing customers.

Horace Mann Educators HMN Homeowners — Year Five

Similar metrics at other companies

KMPRHomeowners — Year 5

98.8%-0.5pp

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

1%0.0pp

ALLHome Owners — 5 years

0.7%-0.1pp

HIGProperty Insurance — 5th Year

1.9%-0.4pp

KMPRHomeowners — Year 4

98.4%+0.1pp

ALLHomeowners — After 5 years

0.7%-1.1pp

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

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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

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearFive.

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 — year five?: Horace Mann Educators (HMN) reported homeowners — year five of 0.2% in Q4 2025.
How has Horace Mann Educators's homeowners — year five changed year-over-year?: Horace Mann Educators's homeowners — year five decreased by 50.0% year-over-year, from 0.4% to 0.2%.
What does homeowners — year five mean?: Captures the performance of homeowners insurance policies that have been in force for five years. This metric is used to evaluate the maturity of the insurance book and the sustainability of revenue streams from long-standing customers.