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%+0.1pp	9.5%-0.3pp	9.8%+1.3pp	8.5%+1.5pp	7%+0.6pp
EBITDA margin	15.6%+0.1pp	15.6%-0.3pp	15.9%+1.5pp	14.4%+1.8pp	12.6%+0.7pp
Returns
Return on equity	11.7%0.0pp	11.7%-0.3pp	12%+1.1pp	10.9%+1.9pp	9%+0.6pp
Return on assets	1.1%0.0pp	1.1%0.0pp	1.1%+0.1pp	1%+0.2pp	0.8%+0.1pp
Return on invested capital	10%0.0pp	10%+0.4pp	9.5%+0.2pp	9.3%+1.4pp	7.9%+0.4pp
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×-0.2×	0.6×+0.2×	0.4×0.0×	0.4×0.0×
Debt-to-assets	0×0.0×	0×0.0×	0.1×0.0×	0×0.0×	0×0.0×
Net debt / EBITDA	2.1×0.0×	2.1×-0.9×	3×+0.9×	2.1×-0.4×	2.5×-0.2×
Interest coverage	6.5×0.0×	6.5×-0.3×	6.8×+0.8×	6×+0.9×	5.1×+0.4×
Per Share
Book value per share	$35.68+0.1%	$35.64+2.9%	$34.65+6.0%	$32.70+1.3%	$32.28+4.0%
Valuation
Market capitalization	$1.73B-8.1%	$1.88B+2.2%	$1.84B+5.2%	$1.75B+0.1%	$1.75B+9.2%
Enterprise value	$2.3B-5.9%	$2.44B-7.2%	$2.63B+16.9%	$2.25B-0.4%	$2.26B+7.4%
Price / earnings	10.5×-1.1×	11.6×+0.4×	11.2×-1.3×	12.5×-2.8×	15.3×-0.3×
Price / sales	1×-0.1×	1.1×0.0×	1.1×0.0×	1.1×0.0×	1.1×+0.1×
Price / book	1.2×-0.1×	1.3×0.0×	1.3×0.0×	1.3×0.0×	1.3×+0.1×
EV / EBITDA	8.6×-0.6×	9.2×-0.7×	9.9×+0.4×	9.5×-1.5×	11.1×-0.1×
EV / sales	1.3×-0.1×	1.4×-0.1×	1.6×+0.2×	1.4×0.0×	1.4×+0.1×
Earnings yield	9.6%+0.9pp	8.6%-0.3pp	8.9%+0.9pp	8%+1.5pp	6.6%+0.1pp
Dividend yield	3.3%+0.3pp	3%0.0pp	3.1%-0.1pp	3.2%0.0pp	3.2%-0.3pp
PEG ratio	0.2×0.0×	0.2×0.0×	0.2×0.0×	0.2×0.0×	0.2×+0.1×

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Questions, answered.

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.