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Horace Mann Educators HMN Property & Casualty — Gross reserves, end of year

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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%
Enterprise value$2.61B+1.6%
P/E12.4×-5.7×
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:LiabilityForClaimsAndClaimsAdjustmentExpense.

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 property & casualty — gross reserves, end of year?
Horace Mann Educators (HMN) reported property & casualty — gross reserves, end of year of $404.5M in Q4 2025.
How has Horace Mann Educators's property & casualty — gross reserves, end of year changed year-over-year?
Horace Mann Educators's property & casualty — gross reserves, end of year decreased by 3.8% year-over-year, from $420.6M to $404.5M.
What does property & casualty — gross reserves, end of year mean?
The total estimated liability for unpaid claims and associated adjustment expenses for the property and casualty segment at the end of the reporting period. This figure reflects the company's actuarial assessment of future payouts required for both reported and incurred-but-not-reported claims.