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Horace Mann Educators HMN SPIA (life contingent) — Interest Expense

Other product segments

Experience life
$10.3M-2.8%
Term Life
$1.5M+7.1%
Limited-Pay Whole Life
$800K0.0%

Similar metrics at other companies

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AMPLife Contingent Payout Annuities — Interest Expense
$14M0.0%
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KKRInterest Sensitive Life — Deferred Policy Acquisition Costs, Amortization Expense
$2.17M+4.1%
Globe Life logo
GLLife — Liability for Future Policy Benefit, Interest Expense
$204.36M+4.1%
Kemper logo
KMPRTerm Life Insurance — Interest Accrual
$7.3M0.0%
Apollo Global Management logo
APOPayout Annuities with Life Contingencies — Total interest expense
$433M-2.0%
Corebridge Financial logo
CRBGLife Insurance — Interest accrual
$197M-1.5%

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+18.8%
Enterprise value$2.61B+17.0%
P/E12.4×-2.6×
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:LiabilityForFuturePolicyBenefitInterestExpense.

The official record: Horace Mann Educators’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Horace Mann Educators's SPIA (life contingent) — interest expense?
Horace Mann Educators (HMN) reported SPIA (life contingent) — interest expense of $1M in Q1 2026.
How has Horace Mann Educators's SPIA (life contingent) — interest expense changed year-over-year?
Horace Mann Educators's SPIA (life contingent) — interest expense decreased by 9.1% year-over-year, from $1.1M to $1M.
What is the long-term trend for Horace Mann Educators's SPIA (life contingent) — interest expense?
Over 3 years (2022 to 2025), Horace Mann Educators's SPIA (life contingent) — interest expense has grown at a -2.3% compound annual growth rate (CAGR), from $4.4M to $4.1M.
What does SPIA (life contingent) — interest expense mean?
This represents the interest cost accrued on the liability for future policy benefits, reflecting the time value of money inherent in long-term annuity obligations. It is a significant component of the cost of funds for the annuity segment. Investors use this to evaluate the efficiency of the company's liability management and the impact of interest rate environments on profitability.