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Horace Mann Educators HMN Supplemental health — Effect of changes in discount rate assumptions

Other product segments

Term Life
-$17.1M+20.1%
Limited-Pay Whole Life
-$1.9M+13.6%
Experience life
$1.4M-22.2%
SPIA (life contingent)
$0—

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Equitable Holdings logo
EQHHealth — Effect of changes in discount rate assumptions
$1M0.0%
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GLHealth — Effect of change from original to current discount rates
-$126.52M-6.9%
Voya Financial logo
VOYAEmployee Benefits Group — Effects of changes in discount rate assumptions
$0—
MetLife logo
METAccident & health insurance — Effect of changes in discount rate assumptions
-$3.2B-58.5%

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:AociLiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitBeforeTax.

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 supplemental health — effect of changes in discount rate assumptions?
Horace Mann Educators (HMN) reported supplemental health — effect of changes in discount rate assumptions of -$88.9M in Q1 2026.
How has Horace Mann Educators's supplemental health — effect of changes in discount rate assumptions changed year-over-year?
Horace Mann Educators's supplemental health — effect of changes in discount rate assumptions increased by 5.9% year-over-year, from -$94.5M to -$88.9M.
What is the long-term trend for Horace Mann Educators's supplemental health — effect of changes in discount rate assumptions?
Over 2 years (2023 to 2025), Horace Mann Educators's supplemental health — effect of changes in discount rate assumptions has grown at a -6.1% compound annual growth rate (CAGR), from -$401.2M to -$353.5M.
What does supplemental health — effect of changes in discount rate assumptions mean?
This metric quantifies the change in the valuation of supplemental health liabilities caused solely by shifts in the discount rate used for present value calculations. Because insurance liabilities are highly sensitive to interest rates, this figure isolates the impact of market-driven rate changes from operational performance. It helps investors distinguish between economic volatility and the underlying health of the insurance business.