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

Horace Mann Educators (HMN) reported specialty health — year three of 2.2% in Q4 2025.

What does specialty health — year three mean?

Represents the total number of active members enrolled in specialty health insurance products during the third year of the reporting period. It serves as an indicator of the long-term sustainability and market demand for the company's specialty health offerings.

Horace Mann Educators HMN Specialty Health — Year Three

Similar metrics at other companies

ACGLSpecialty — Year Three

14.6%+0.4pp

SPNTOther Specialties — Year 3

56.1%+29.8pp

ACGLSpecialty — Year Six

3.8%-0.2pp

ACGLSpecialty — Year Nine

0%—

SPNTOther Specialties — Year 5

3.4%+1.7pp

KMPRSpecialty Personal Automobile Insurance—Liability — Year 3

89.6%-0.9pp

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

See full

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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearThree.

The official record: Horace Mann Educators’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

Ask your AI about Horace Mann Educators's specialty health — year three.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI

Claude

Questions, answered.

What is Horace Mann Educators's specialty health — year three?: Horace Mann Educators (HMN) reported specialty health — year three of 2.2% in Q4 2025.
What does specialty health — year three mean?: Represents the total number of active members enrolled in specialty health insurance products during the third year of the reporting period. It serves as an indicator of the long-term sustainability and market demand for the company's specialty health offerings.