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

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

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

Horace Mann Educators's homeowners — year seven decreased by 100.0% year-over-year, from 0.1% to 0%.

What does homeowners — year seven mean?

Tracks the performance of homeowners insurance policies that have reached their seventh year of coverage. This metric assists in analyzing the long-term profitability and risk profile of highly tenured policyholders.

Horace Mann Educators HMN Homeowners — Year Seven

Similar metrics at other companies

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

0.1%0.0pp

HIGProperty Insurance — 7th Year

0.4%+0.3pp

EGProperty Insurance — Year seven

2.9%+0.2pp

MCYProperty insurance product line, homeowners' — Short-duration insurance contracts, historical claims duration, year seven

0.4%+0.1pp

KMPRHomeowners — Year 5

98.8%-0.5pp

ACGLProperty excluding property catastrophe — Year Seven

1.2%+0.4pp

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+18.8%

Enterprise value$2.61B+17.0%

P/E12.4×-2.6×

P/S1.2×+0.1×

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearSeven.

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 seven?: Horace Mann Educators (HMN) reported homeowners — year seven of 0% in Q4 2025.
How has Horace Mann Educators's homeowners — year seven changed year-over-year?: Horace Mann Educators's homeowners — year seven decreased by 100.0% year-over-year, from 0.1% to 0%.
What does homeowners — year seven mean?: Tracks the performance of homeowners insurance policies that have reached their seventh year of coverage. This metric assists in analyzing the long-term profitability and risk profile of highly tenured policyholders.