What is Horace Mann Educators's specialty health — year one?

Horace Mann Educators (HMN) reported specialty health — year one of 61.3% in Q4 2025.

What does specialty health — year one mean?

Represents the total number of active members enrolled in specialty health insurance products during the first year of the reporting period. This metric tracks initial market penetration and customer acquisition within the specialty health segment.

Horace Mann Educators HMN Specialty Health — Year One

Similar metrics at other companies

ACGLSpecialty — Year One

26.2%-1.5pp

SPNTOther Specialties — Year 1

43.9%+2.6pp

ACGLSpecialty — Year Six

3.8%-0.2pp

ACGLSpecialty — Year Five

5.4%+0.2pp

SPNTOther Specialties — Year 5

3.4%+1.7pp

KMPRSpecialty Personal Automobile Insurance—Liability — Year 1

37.2%-0.8pp

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$2.05B-1.1%

Enterprise value$2.62B+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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearOne.

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 specialty health — year one?: Horace Mann Educators (HMN) reported specialty health — year one of 61.3% in Q4 2025.
What does specialty health — year one mean?: Represents the total number of active members enrolled in specialty health insurance products during the first year of the reporting period. This metric tracks initial market penetration and customer acquisition within the specialty health segment.