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

Horace Mann Educators (HMN) reported homeowners — year one of 78.5% in Q4 2025.

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

Horace Mann Educators's homeowners — year one increased by 0.4% year-over-year, from 78.2% to 78.5%.

What does homeowners — year one mean?

Represents the financial performance or policy count for homeowners insurance products within the first year of the policy lifecycle. This metric helps investors assess new business acquisition and initial underwriting profitability for the homeowners segment.

Horace Mann Educators HMN Homeowners — Year One

Similar metrics at other companies

KMPRHomeowners — Year 1

67.5%+0.5pp

KMPRHomeowners — Year 4

98.4%+0.1pp

KMPRHomeowners — Year 5

98.8%-0.5pp

CINFHomeowner — 1

65.7%+1.0pp

SIGIHomeowners — Short-duration insurance contracts, Historical claims duration, year one

70.6%-0.6pp

ALLHome Owners — 1 year

66.5%-0.1pp

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

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.

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 one?: Horace Mann Educators (HMN) reported homeowners — year one of 78.5% in Q4 2025.
How has Horace Mann Educators's homeowners — year one changed year-over-year?: Horace Mann Educators's homeowners — year one increased by 0.4% year-over-year, from 78.2% to 78.5%.
What does homeowners — year one mean?: Represents the financial performance or policy count for homeowners insurance products within the first year of the policy lifecycle. This metric helps investors assess new business acquisition and initial underwriting profitability for the homeowners segment.