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
EBITDA margin	15.6%+3.0pp	15.6%+3.7pp	15.9%+4.0pp	14.4%+4.2pp	12.6%+3.7pp
Returns
Return on equity	11.7%+2.8pp	11.7%+3.4pp	12%+3.1pp	10.9%+3.9pp	9%+3.4pp
Return on assets	1.1%+0.3pp	1.1%+0.4pp	1.1%+0.3pp	1%+0.4pp	0.8%+0.3pp
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×
Debt-to-assets	0×0.0×	0×0.0×	0.1×0.0×	0×0.0×	0×0.0×
Net debt / EBITDA	2.1×-0.4×	2.1×-0.5×	3×+0.3×	2.1×-1.2×	2.5×-1.3×
Interest coverage	6.5×+1.4×	6.5×+1.8×	6.8×+2.2×	6×+2.1×	5.1×+1.6×
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%
Enterprise value	$2.3B+1.6%	$2.44B+16.0%	$2.63B+36.3%	$2.25B+20.7%	$2.26B+11.0%
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×
EV / sales	1.3×-0.1×	1.4×+0.1×	1.6×+0.4×	1.4×+0.2×	1.4×+0.1×
Earnings yield	9.6%+3.0pp	8.6%+2.2pp	8.9%+1.6pp	8%+1.9pp	6.6%+2.3pp
Dividend yield	3.3%+0.1pp	3%-0.4pp	3.1%-0.8pp	3.2%-0.9pp	3.2%-0.4pp
PEG ratio	0.2×0.0×	0.2×+0.1×	0.2×—	0.2×—	0.2×+0.2×

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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.