Where do Horace Mann Educators's ratios come from?

Every ratio is computed from Horace Mann Educators's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

	Q1 '26	Q4 '25	Q3 '25	Q2 '25	Q1 '25
Profitability
Net margin	9.6%+2.6pp	9.5%+3.1pp	9.8%+3.2pp	8.5%+3.3pp	7%+2.8pp
Returns
Return on equity	11.7%+2.8pp	11.7%+3.4pp	12%+3.1pp	10.9%+3.9pp	9%+3.4pp
Return on invested capital	10%+2.1pp	10%+2.5pp	9.5%+1.6pp	9.3%+2.7pp	7.9%+2.5pp
Efficiency
Asset turnover	0.1×0.0×	0.1×0.0×	0.1×0.0×	0.1×0.0×	0.1×0.0×
Leverage
Debt-to-equity	0.4×0.0×	0.4×0.0×	0.6×+0.2×	0.4×0.0×	0.4×0.0×
Net debt / EBITDA	2.1×-0.4×	2.1×-0.5×	3×+0.3×	2.1×-1.2×	2.5×-1.3×
Per Share
Book value per share	$35.68+10.5%	$35.64+14.9%	$34.65+11.5%	$32.70+12.5%	$32.28+10.6%
Valuation
Market capitalization	$1.73B-1.1%	$1.88B+17.5%	$1.84B+29.0%	$1.75B+30.8%	$1.75B+15.5%
Price / earnings	10.5×-4.8×	11.6×-4.0×	11.2×-2.5×	12.5×-3.9×	15.3×-8.0×
Price / sales	1×-0.1×	1.1×+0.1×	1.1×+0.2×	1.1×+0.2×	1.1×+0.1×
Price / book	1.2×-0.1×	1.3×0.0×	1.3×+0.2×	1.3×+0.2×	1.3×+0.1×
EV / EBITDA	8.6×-2.5×	9.2×-1.9×	9.9×-0.4×	9.5×-2.3×	11.1×-3.9×
Dividend yield	3.3%+0.1pp	3%-0.4pp	3.1%-0.8pp	3.2%-0.9pp	3.2%-0.4pp

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Where do Horace Mann Educators's ratios come from?: Every ratio is computed from Horace Mann Educators's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.