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

Horace Mann Educators (HMN) reported homeowners — year two of 18.6% in Q4 2025.

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

Horace Mann Educators's homeowners — year two increased by 1.1% year-over-year, from 18.4% to 18.6%.

What does homeowners — year two mean?

Measures the financial performance or retention of homeowners insurance policies in their second year of coverage. Tracking this metric allows for the evaluation of early-stage policyholder loyalty and the effectiveness of initial pricing strategies.

Horace Mann Educators HMN Homeowners — Year Two

Similar metrics at other companies

KMPRHomeowners — Year 2

93%+0.6pp

KMPRHomeowners — Year 4

98.4%+0.1pp

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

23.5%+0.6pp

KMPRHomeowners — Year 5

98.8%-0.5pp

ALLHome Owners — 2 years

26.3%+1.0pp

ACGLMortgage — Year Two

26%-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

See full

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$2.05B-1.1%

Enterprise value$2.62B+1.6%

P/E12.4×-5.7×

P/S1.2×-0.1×

Profitability

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

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 two?: Horace Mann Educators (HMN) reported homeowners — year two of 18.6% in Q4 2025.
How has Horace Mann Educators's homeowners — year two changed year-over-year?: Horace Mann Educators's homeowners — year two increased by 1.1% year-over-year, from 18.4% to 18.6%.
What does homeowners — year two mean?: Measures the financial performance or retention of homeowners insurance policies in their second year of coverage. Tracking this metric allows for the evaluation of early-stage policyholder loyalty and the effectiveness of initial pricing strategies.