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

Horace Mann Educators (HMN) reported specialty health — year two of 35.1% in Q4 2025.

What does specialty health — year two mean?

Represents the total number of active members enrolled in specialty health insurance products during the second year of the reporting period. This metric helps evaluate the retention and growth trajectory of the specialty health customer base over time.

Horace Mann Educators HMN Specialty Health — Year Two

Similar metrics at other companies

ACGLSpecialty — Year Two

28.2%-1.0pp

ACGLSpecialty — Year Six

3.8%-0.2pp

SPNTOther Specialties — Year 2

44.2%-0.3pp

ACGLSpecialty — Year Five

5.4%+0.2pp

SPNTOther Specialties — Year 5

3.4%+1.7pp

ACGLSpecialty — Year Ten

0.1%-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$2.05B-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:ShortdurationInsuranceContractsHistoricalClaimsDurationYearTwo.

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 two?: Horace Mann Educators (HMN) reported specialty health — year two of 35.1% in Q4 2025.
What does specialty health — year two mean?: Represents the total number of active members enrolled in specialty health insurance products during the second year of the reporting period. This metric helps evaluate the retention and growth trajectory of the specialty health customer base over time.