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

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

What does homeowners — year six mean?

Measures the financial contribution or volume of homeowners insurance policies in their sixth year of tenure. Monitoring this helps assess the long-term durability of the homeowners segment and the effectiveness of multi-year risk management.

Horace Mann Educators HMN Homeowners — Year Six

Similar metrics at other companies

KMPRHomeowners — Year 5

98.8%-0.5pp

KMPRHomeowners — Year 4

98.4%+0.1pp

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

0.2%0.0pp

KMPRHomeowners — Year 2

93%+0.6pp

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

1%+0.1pp

EGProperty Insurance — Year six

4.8%+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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearSix.

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 six?: Horace Mann Educators (HMN) reported homeowners — year six of 0% in Q4 2025.
What does homeowners — year six mean?: Measures the financial contribution or volume of homeowners insurance policies in their sixth year of tenure. Monitoring this helps assess the long-term durability of the homeowners segment and the effectiveness of multi-year risk management.