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Horace Mann Educators HMN Homeowners — Year Five

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Other financials

Income statement

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Revenue$443.5M+7.7%
Net income$41.6M+41.5%
EPS (diluted)$1.01+42.3%

Balance sheet

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Cash & equivalents$46.2M+13.0%
Total debt$594.2M+8.5%
Total equity$1.5B+10.5%
Total assets$15.6B+5.9%

Cash flow

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Operating cash flow$223.7M+70.4%

Valuation

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Market cap$2.19B+26.6%
Enterprise value$2.73B+22.4%
P/E12.3×0.0×
P/S1.3×+0.2×

Profitability

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Net margin10.2%+1.7pp

Returns & leverage

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Return on equity12.4%+1.5pp
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 source filing: Horace Mann Educators’s 10-K, filed February 27, 2026.

Filed
Feb 27, 2026, 1:09 PM EST
Fiscal year
FY2025
Accession
0000850141-26-000007
Years12345678910
Homeowners78.5%18.6%2.2%0.5%0.2%—————
Auto liability37.1%35.6%15.0%6.7%3.3%1.6%0.5%0.1%0.1%—
Auto physical damage95.0%5.3%(0.3)%———————

ITEM 8. I Financial Statements and Supplementary Data

FAQ

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.

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