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.

	FY'25	FY'24	FY'23	FY'22
Profitability
Net margin	9.5%+3.1pp	6.4%+3.4pp	3%+1.6pp	1.4%-11.4pp
EBITDA margin	15.6%+3.7pp	11.9%+4.6pp	7.3%—	——
Returns
Return on equity	11.7%+3.4pp	8.3%+4.4pp	4%+2.4pp	1.5%-8.8pp
Return on assets	1.1%+0.4pp	0.7%+0.4pp	0.3%+0.2pp	0.1%-1.1pp
Return on invested capital	10%+2.5pp	7.5%+3.2pp	4.3%—	——
Efficiency
Asset turnover	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×	0.5×0.0×	0.5×+0.1×
Debt-to-assets	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Net debt / EBITDA	2.1×-0.5×	2.7×-2.1×	4.7×—	——
Interest coverage	6.5×+1.8×	4.7×+1.9×	2.8×—	——
Per Share
Book value per share	$35.64+14.9%	$31.02+9.3%	$28.39+7.0%	$26.53-25.3%
Valuation
Market capitalization	$1.88B+17.5%	$1.6B+19.7%	$1.34B-12.6%	$1.53B-4.8%
Enterprise value	$2.44B+16.0%	$2.11B+13.8%	$1.85B-7.2%	$2B+0.6%
Price / earnings	11.6×-4.0×	15.6×-14.1×	29.7×-47.5×	77.2×+67.8×
Price / sales	1.1×+0.1×	1×+0.1×	0.9×-0.2×	1.1×-0.1×
Price / book	1.3×0.0×	1.2×+0.1×	1.1×-0.3×	1.4×+0.3×
EV / EBITDA	9.2×-1.9×	11.1×-5.8×	17×—	——
EV / sales	1.4×+0.1×	1.3×+0.1×	1.2×-0.2×	1.4×0.0×
Earnings yield	8.6%+2.2pp	6.4%+3.1pp	3.4%+2.1pp	1.3%-9.3pp
Dividend yield	3%-0.4pp	3.5%-0.6pp	4%+0.6pp	3.4%+0.2pp
PEG ratio	0.2×+0.1×	0.1×-0.1×	0.2×—	——

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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.