What is Horace Mann Educators Corporation's earnings per share (EPS)?

Horace Mann Educators Corporation (HMN) reported diluted earnings per share of $3.90 for fiscal year 2025. This represents a 57.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Horace Mann Educators Corporation (HMN) Financials

HMN NYSE

Trailing 12 months to June 30, 2026

Revenue $1.7B +5.9% YoY

Net Income $177.3M +26.6% YoY

EPS (Diluted) $4.28 +26.6% YoY

Operating Cash Flow $566.1M -7.1% YoY

Market Cap $1.9B as of Oct 28, 2026

Price / Sales 1.1x on $1.7B revenue, trailing 12 months to June 30, 2026

Price / Earnings 10.5x on $177.3M net income, trailing 12 months to June 30, 2026

Price / Book 1.2x on $1.5B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 28, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the HMN SEC filings page.

Horace Mann Educators Corporation (HMN) reported $1.7B in revenue over the twelve months to Jun 30, 2026, up 5.9% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI HMN FY2025 2026-10-24

Profitability has recovered sharply since FY2022, while the company remains financed primarily through liabilities rather than shareholder capital.

From FY2023 to FY2025, revenue increased 14.0%, but net income climbed 260.2% and net margin widened 6.5 percentage points; this indicates a major improvement in earnings efficiency, not merely top-line expansion. Operating cash flow reached $553M in FY2025, or 341.3% of net income, so accounting earnings and cash generation are not interchangeable measures of performance.

The balance sheet is liability-heavy: liabilities represented 90.3% of assets in FY2025, while debt-to-equity was 0.4x. That combination suggests most financing comes from liabilities beyond long-term debt, leaving equity as a relatively thin cushion against balance-sheet changes.

From FY2023 to FY2025, assets rose 8.7% while equity rose 26.2%, so the recovery was not simply balance-sheet expansion. Return on equity improved 7.1 percentage points while share buybacks rose 220.0%, showing distributions expanded alongside improved profitability.

Financial Health Signals

Financial Health Score (4 of 6 dimensions) 38/100

Scored as: Insurers peer group

Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 4 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Horace Mann Educators Corporation's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Loss Ratio

Loss Ratio measures the claims an insurer paid out against the premiums it earned, so a lower ratio leaves more of every premium dollar with the company. Horace Mann Educators Corporation scores 54/100 on it among other insurers.

Premium Growth

n/a

Not available for Horace Mann Educators Corporation, so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.

Capital

Horace Mann Educators Corporation funded 9.7% of its assets with shareholders' equity at the end of fiscal year 2025, holding $1.5B of equity against $15.3B of assets. Capital ranks insurers on that cushion, and Horace Mann Educators Corporation scores 19/100 among other insurers.

Investment Yield

n/a

Not available for Horace Mann Educators Corporation, so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.

Combined Ratio

Combined Ratio puts claims and running costs together against premiums earned, and a figure under 100% means the underwriting made money before any investment income was counted. Horace Mann Educators Corporation scores 26/100 on it among other insurers.

Stability

Horace Mann Educators Corporation reported net income of $162.1M in fiscal year 2025, against $102.8M in fiscal year 2024. Stability ranks insurers on how steady net income has been across five years, and Horace Mann Educators Corporation scores 53/100 among other insurers.

Piotroski F-Score Partial

6/7

Horace Mann Educators Corporation passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) passes.

Key Financial Metrics

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Earnings & Revenue

Revenue

$443.5M

YoY+7.7%

QoQ+3.3%

5Y CAGR+5.0%

10Y CAGR+4.6%

Horace Mann Educators Corporation generated $443.5M in revenue in Q2 2026. This represents an increase of 7.7% from the same quarter a year earlier. Against the prior quarter it is up 3.3%.

Net Income

$41.6M

YoY+41.5%

QoQ+1.0%

5Y CAGR-5.2%

10Y CAGR+13.4%

Horace Mann Educators Corporation reported $41.6M in net income in Q2 2026. This represents an increase of 41.5% from the same quarter a year earlier. Against the prior quarter it is up 1.0%.

EPS (Diluted)

$1.01

YoY+42.3%

QoQ+1.0%

5Y CAGR-4.8%

Horace Mann Educators Corporation earned $1.01 per diluted share (EPS) in Q2 2026. This represents an increase of 42.3% from the same quarter a year earlier. Against the prior quarter it is up 1.0%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$46.2M

YoY+13.0%

QoQ+121.1%

5Y CAGR+9.5%

10Y CAGR-0.9%

Horace Mann Educators Corporation held $46.2M in cash against $594.2M in long-term debt as of Q2 2026.

Dividends Per Share

$0.36

YoY+2.9%

QoQ0.0%

Horace Mann Educators Corporation paid $0.36 per share in dividends in Q2 2026. This represents an increase of 2.9% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

41M

YoY-0.5%

QoQ+0.3%

5Y CAGR-0.5%

Horace Mann Educators Corporation had 41M shares outstanding in Q2 2026. This represents a decrease of 0.5% from the same quarter a year earlier. Against the prior quarter it is up 0.3%.

Free Cash Flow

Not reported for Q2 2026.

Margins & Returns

Net Margin

9.4%

YoY+2.2pp

QoQ-0.2pp

5Y change-6.2pp

10Y change+5.2pp

Horace Mann Educators Corporation's net profit margin was 9.4% in Q2 2026, showing the share of revenue converted to profit. This is up 2.2 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.2 percentage points.

Return on Equity

2.8%

YoY+0.6pp

QoQ0.0pp

5Y change-0.2pp

10Y change+1.9pp

Horace Mann Educators Corporation's quarterly ROE was 2.8% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is up 0.6 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$100K

YoY-98.6%

QoQ-99.5%

5Y CAGRn/m

10Y CAGR-34.7%

Horace Mann Educators Corporation spent $100K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 98.6% from the same quarter a year earlier. Against the prior quarter it is down 99.5%.

R&D Spending

Not reported for Q2 2026.

Capital Expenditures

Not reported for Q2 2026.

HMN Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

HMN quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$1.7B	$1.7B+6.7%	$1.6B+6.9%	$1.5B+8.0%	$1.4B+3.9%	$1.3B+1.4%	$1.3B-8.4%	$1.4B+20.0%	$1.2B+1.7%	$1.2B+3.8%	$1.1B+4.5%	$1.1B+1.9%	$1.1B+2.9%	$1.0B+2.0%	$1.0B+1.3%	$998.3M
Interest Expense	$38.0M	$36.4M+5.2%	$34.6M+16.5%	$29.7M+53.1%	$19.4M+39.6%	$13.9M-8.6%	$15.2M-2.6%	$15.6M+20.0%	$13.0M+8.8%	$11.9M+1.2%	$11.8M-10.0%	$13.1M-7.6%	$14.2M-0.3%	$14.2M-0.1%	$14.2M+1.7%	$14.0M
Income Tax	$39.1M	$39.1M+51.6%	$25.8M+210.8%	$8.3Mn/m	-$3.3M-108.3%	$39.7M+51.0%	$26.3M-49.4%	$52.0M+4255.1%	$1.2Mn/m	-$80.8M-365.1%	$30.5M-15.3%	$36.0M-14.1%	$41.9M-3.0%	$43.2M-4.7%	$45.3M+85.6%	$24.4M
Net Income	$177.3M	$162.1M+57.7%	$102.8M+128.4%	$45.0M+127.3%	$19.8M-88.4%	$170.4M+27.8%	$133.3M-27.7%	$184.4M+905.3%	$18.3M-89.2%	$169.5M+102.3%	$83.8M-10.4%	$93.5M-10.3%	$104.2M-6.0%	$110.9M+6.8%	$103.9M+47.3%	$70.5M
EPS (Basic)	N/A	$3.93+57.8%	$2.49+128.4%	$1.09+127.1%	$0.48-88.2%	$4.06+27.7%	$3.18-28.1%	$4.42+904.5%	$0.44-89.3%	$4.10+101.0%	$2.04-8.5%	$2.23	$2.50	$2.75+4.6%	$2.63+48.6%	$1.77
EPS (Diluted)	$4.28	$3.90+57.3%	$2.48+127.5%	$1.09+131.9%	$0.47-88.4%	$4.04+27.4%	$3.17-28.0%	$4.40+900.0%	$0.44-89.2%	$4.08+102.0%	$2.02-8.2%	$2.20	$2.47	$2.66+6.0%	$2.51+47.6%	$1.70
Diluted Shares (Avg)	N/A	42M+0.2%	42M+0.2%	41M-1.0%	42M-0.9%	42M+0.5%	42M+0.2%	42M0.0%	42M+0.8%	42M+0.2%	41M-2.2%	42M	42.23B	42M+0.6%	41M-0.1%	41M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$443.5M+7.7%	$429.3M+3.1%	$434.8M+6.3%	$438.5M+6.4%	$411.7M+6.1%	$416.4M+7.9%	$409.0M+1.5%	$412.1M+8.8%
Interest Expense	$9.6M+11.6%	$9.5M+6.7%	$10.0M+17.6%	$8.9M+2.3%	$8.6M-1.1%	$8.9M+2.3%	$8.5M-1.2%	$8.7M+16.0%
Income Tax	$7.4M+4.2%	$9.0M-3.2%	$9.5M-5.9%	$13.2M+57.1%	$7.1M+787.5%	$9.3M+43.1%	$10.1M+31.2%	$8.4M+342.1%
Net Income	$41.6M+41.5%	$41.2M+7.9%	$36.2M-5.2%	$58.3M+70.0%	$29.4M+673.7%	$38.2M+44.2%	$38.2M-3.3%	$34.3M+193.2%
EPS (Basic)	$1.02+43.7%	$1.01+8.6%	$0.88-5.4%	$1.42+71.1%	$0.71+688.9%	$0.93+45.3%	$0.93-3.1%	$0.83+196.4%
EPS (Diluted)	$1.01+42.3%	$1.00+8.7%	$0.87-5.4%	$1.40+68.7%	$0.71+688.9%	$0.92+43.8%	$0.92-4.2%	$0.83+196.4%
Diluted Shares (Avg)	41M-1.0%	41M-1.0%	N/A	42M+0.5%	42M0.0%	42M+0.2%	N/A	41M0.0%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.

HMN Balance Sheet

HMN quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$15.3B+5.4%	$14.5B+3.1%	$14.0B+5.6%	$13.3B-8.0%	$14.5B+7.3%	$13.5B+8.0%	$12.5B+13.1%	$11.0B-1.5%	$11.2B+5.9%	$10.6B+5.2%	$10.1B+3.0%	$9.8B+10.7%	$8.8B+8.1%	$8.2B+9.9%	$7.4B
Cash & Equivalents	$27.5M-27.8%	$38.1M+28.3%	$29.7M-30.6%	$42.8M-68.0%	$133.7M+499.6%	$22.3M-12.5%	$25.5M+114.3%	$11.9M+56.0%	$7.6M-54.2%	$16.7M+7.5%	$15.5M+32.8%	$11.7M-35.8%	$18.2M+19.8%	$15.2M+103.7%	$7.5M
Short-Term Investments	$5.7B+6.1%	$5.4B+2.9%	$5.2B+1.0%	$5.2B-16.9%	$6.2B	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$54.3M0.0%	$54.3M0.0%	$54.3M0.0%	$54.3M+24.8%	$43.5M0.0%	$43.5M-11.4%	$49.1M+3.6%	$47.4M0.0%	$47.4M0.0%	$47.4M0.0%	$47.4M0.0%	$47.4M0.0%	$47.4M0.0%	$47.4M0.0%	$47.4M
Total Liabilities	$13.8B+4.4%	$13.2B+2.5%	$12.9B+5.5%	$12.2B-2.9%	$12.6B+7.7%	$11.7B+7.1%	$10.9B+12.0%	$9.7B+0.5%	$9.7B+4.5%	$9.3B+5.6%	$8.8B+4.3%	$8.4B+9.1%	$7.7B+11.6%	$6.9B+8.5%	$6.4B
Long-Term Debt	$593.4M+8.5%	$547.0M+0.2%	$546.0M+119.3%	$249.0M-1.8%	$253.6M-16.1%	$302.3M+1.4%	$298.0M+0.1%	$297.7M+0.1%	$297.5M+20.3%	$247.2M+0.1%	$247.0M+23.5%	$199.9M0.0%	$199.9M0.0%	$199.8M0.0%	$199.7M
Total Equity	$1.5B+15.2%	$1.3B+9.5%	$1.2B+7.0%	$1.1B-26.7%	$1.5B-16.3%	$1.8B+14.2%	$1.6B+21.4%	$1.3B-14.1%	$1.5B+16.0%	$1.3B+2.3%	$1.3B-5.4%	$1.3B+21.6%	$1.1B-11.8%	$1.2B+18.0%	$1.1B
Retained Earnings	$1.7B+6.7%	$1.5B+3.1%	$1.5B-0.7%	$1.5B-0.8%	$1.5B+6.3%	$1.4B+6.1%	$1.4B+11.2%	$1.2B-1.2%	$1.2B+6.5%	$1.2B+3.5%	$1.1B+4.8%	$1.1B+6.5%	$1.0B+8.5%	$922.0M+9.7%	$840.6M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$15.6B+5.9%	$15.0B+4.0%	$15.3B+5.4%	$15.5B+5.3%	$14.7B+3.1%	$14.4B+1.1%	$14.5B+3.1%	$14.7B+9.7%
Cash & Equivalents	$46.2M+13.0%	$20.9M-31.0%	$27.5M-27.8%	$46.7M+17.3%	$40.9M+180.1%	$30.3M+48.5%	$38.1M+28.3%	$39.8M+15.4%
Short-Term Investments	$5.8B+5.8%	$5.8B+5.9%	$5.7B+6.1%	$5.7B+1.7%	$5.5B+2.0%	$5.5B+2.2%	$5.4B+2.9%	$5.6B+12.3%
Goodwill	$54.3M0.0%	$54.3M0.0%	$54.3M0.0%	$54.3M0.0%	$54.3M0.0%	$54.3M0.0%	$54.3M0.0%	$54.3M0.0%
Total Liabilities	$14.1B+5.5%	$13.5B+3.4%	$13.8B+4.4%	$14.0B+4.6%	$13.4B+2.3%	$13.1B+0.2%	$13.2B+2.5%	$13.4B+8.6%
Long-Term Debt	$594.2M+8.5%	$593.8M+8.5%	$593.4M+8.5%	$842.9M+54.2%	$547.5M+0.2%	$547.2M+0.2%	$547.0M+0.2%	$546.7M+0.1%
Total Equity	$1.5B+10.5%	$1.5B+9.5%	$1.5B+15.2%	$1.4B+12.0%	$1.4B+12.5%	$1.3B+10.8%	$1.3B+9.5%	$1.3B+22.4%
Retained Earnings	$1.7B+7.5%	$1.7B+6.8%	$1.7B+6.7%	$1.6B+7.0%	$1.6B+5.5%	$1.6B+3.8%	$1.5B+3.1%	$1.5B+3.2%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities.

HMN Cash Flow Statement

HMN quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$566.1M	$553.2M+22.4%	$452.1M+49.7%	$302.1M+76.2%	$171.5M-16.3%	$204.9M-21.1%	$259.8M+103.6%	$127.6M-36.5%	$200.9M-21.7%	$256.6M+21.4%	$211.4M+1.8%	$207.7M-6.4%	$221.9M+7.8%	$205.9M+1.5%	$202.8M+75.1%	$115.9M
Depreciation & Amortization	N/A	$27.1M+2.7%	$26.4M+0.8%	$26.2M-5.1%	$27.6M+50.0%	$18.4M-21.4%	$23.4M+50.0%	$15.6M+112.0%	$7.4M+11.2%	$6.6M-4.1%	$6.9M-10.8%	$7.7M-2.8%	$8.0M+3.6%	$7.7M-2.7%	$7.9M-8.0%	$8.6M
Stock-Based Compensation	N/A	$10.2M+3.0%	$9.9M+4.2%	$9.5M+6.7%	$8.9M+6.0%	$8.4M+25.4%	$6.7M-8.2%	$7.3M-12.5%	$8.3M-2.9%	$8.6M+611.8%	$1.2M-6.1%	$1.3M+1.2%	$1.3M-10.5%	$1.4M-42.7%	$2.5M+70.6%	$1.5M
Investing Cash Flow	-$266.8M	-$252.1Mn/m	-$135.8Mn/m	-$107.4Mn/m	-$214.6Mn/m	-$302.0Mn/m	-$406.8M-827.7%	$55.9Mn/m	-$186.5Mn/m	-$228.7Mn/m	-$325.4Mn/m	-$415.8Mn/m	-$565.5Mn/m	-$598.3Mn/m	-$354.8Mn/m	-$303.0M
Financing Cash Flow	-$294.0M	-$311.7Mn/m	-$307.9Mn/m	-$207.8Mn/m	-$47.8M-122.9%	$208.5M+45.0%	$143.8Mn/m	-$169.9Mn/m	-$10.1Mn/m	-$37.0M-132.1%	$115.1M-45.7%	$212.0M-37.1%	$337.1M-14.8%	$395.4M+147.6%	$159.7M-15.4%	$188.7M
Dividends Paid	$57.6M	$57.1M+2.9%	$55.5M+3.0%	$53.9M+2.5%	$52.6M+2.3%	$51.4M+3.6%	$49.6M+4.9%	$47.3M+1.3%	$46.7M+1.2%	$46.1M+4.1%	$44.3M+4.2%	$42.5M+8.4%	$39.2M+20.5%	$32.5M+44.4%	$22.5M+18.7%	$19.0M
Share Buybacks	$31.9M	$20.8M+141.9%	$8.6M+32.3%	$6.5M-72.9%	$24.0M+352.8%	$5.3M+140.9%	$2.2Mn/m	$0-100.0%	$5.1M+206.5%	$1.7M-92.3%	$21.5M-2.0%	$21.9M+305.7%	$5.4M+39.1%	$3.9M-75.3%	$15.7M+668.7%	$2.0M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$223.7M+70.4%	$61.3M-56.5%	$129.9M-32.9%	$151.2M+5.1%	$131.3M+226.6%	$140.8M+89.0%	$193.5M+88.0%	$143.9M+217.7%
Depreciation & Amortization	$6.7M+1.5%	$6.7M-4.3%	$6.7M-4.3%	$6.8M+6.3%	$6.6M+3.1%	$7.0M+6.1%	$7.0M+4.5%	$6.4M-3.0%
Stock-Based Compensation	N/A	$2.2M-15.4%	N/A	N/A	N/A	$2.6M+4.0%	N/A	N/A
Investing Cash Flow	-$102.9Mn/m	$16.2Mn/m	-$17.5Mn/m	-$162.6Mn/m	-$36.9Mn/m	-$35.1Mn/m	-$4.4Mn/m	-$44.2Mn/m
Financing Cash Flow	-$95.5Mn/m	-$84.1Mn/m	-$387.4Mn/m	$273.0Mn/m	-$83.8Mn/m	-$113.5Mn/m	-$190.8Mn/m	-$74.5M-1149.3%
Dividends Paid	$14.5M+1.4%	$14.6M+2.1%	$14.2M+2.9%	$14.3M+2.9%	$14.3M+2.9%	$14.3M+2.9%	$13.8M+2.2%	$13.9M+3.7%
Share Buybacks	-$100K-98.6%	$18.3M+9050.0%	$6.9Mn/m	$6.8M+65.9%	$6.9M+53.3%	$200Kn/m	$0n/m	$4.1M+310.0%

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow.

HMN Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

HMN quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	9.5%+3.1pp	6.4%+3.4pp	3.0%+1.6pp	1.4%-11.4pp	12.8%+2.7pp	10.2%-2.7pp	12.9%+11.3pp	1.5%-12.9pp	14.5%+7.0pp	7.4%-1.2pp	8.6%-1.2pp	9.8%-0.9pp	10.8%+0.5pp	10.3%+3.2pp	7.1%
Return on Equity	10.9%+2.9pp	8.0%+4.1pp	3.8%+2.0pp	1.8%-9.6pp	11.4%+3.9pp	7.4%-4.3pp	11.8%+10.3pp	1.4%-9.9pp	11.3%+4.8pp	6.5%-0.9pp	7.4%-0.4pp	7.8%-2.3pp	10.1%+1.8pp	8.3%+1.7pp	6.7%
Return on Assets	1.1%+0.3pp	0.7%+0.4pp	0.3%+0.2pp	0.1%-1.0pp	1.2%+0.2pp	1.0%-0.5pp	1.5%+1.3pp	0.2%-1.3pp	1.5%+0.7pp	0.8%-0.1pp	0.9%-0.1pp	1.1%-0.2pp	1.3%0.0pp	1.3%+0.3pp	0.9%
Debt-to-Equity	0.400.0x	0.420.0x	0.46+0.2x	0.23+0.1x	0.170.0x	0.170.0x	0.190.0x	0.230.0x	0.200.0x	0.190.0x	0.200.0x	0.150.0x	0.180.0x	0.160.0x	0.19
Liabilities-to-Equity	9.30-1.0x	10.25-0.7x	10.95-0.2x	11.12+2.7x	8.39+1.9x	6.53-0.4x	6.96-0.6x	7.55+1.1x	6.46-0.7x	7.17+0.2x	6.95+0.6x	6.31-0.7x	7.03+1.5x	5.56-0.5x	6.05
Asset Turnover	0.110.0x	0.110.0x	0.110.0x	0.100.0x	0.090.0x	0.100.0x	0.110.0x	0.110.0x	0.100.0x	0.110.0x	0.110.0x	0.110.0x	0.120.0x	0.120.0x	0.13

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	9.4%+2.2pp	9.6%+0.4pp	8.3%-1.0pp	13.3%+5.0pp	7.1%+6.2pp	9.2%+2.3pp	9.3%-0.5pp	8.3%+5.2pp
Return on Equity	2.8%+0.6pp	2.8%0.0pp	2.4%-0.5pp	4.0%+1.4pp	2.2%+1.9pp	2.8%+0.7pp	3.0%-0.4pp	2.7%+1.6pp
Return on Assets	0.3%+0.1pp	0.3%0.0pp	0.2%0.0pp	0.4%+0.1pp	0.2%+0.2pp	0.3%+0.1pp	0.3%0.0pp	0.2%+0.1pp
Debt-to-Equity	0.400.0x	0.400.0x	0.400.0x	0.58+0.2x	0.400.0x	0.410.0x	0.420.0x	0.42-0.1x
Liabilities-to-Equity	9.38-0.4x	9.18-0.5x	9.30-1.0x	9.75-0.7x	9.83-1.0x	9.72-1.0x	10.25-0.7x	10.43-1.3x
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Horace Mann Educators Corporation HMN	FY2025	$1.7B	$162.1M	9.5%	$1.9B	38/100
Skyward Specialty Insurance Group, Inc. SKWD	FY2025	$1.4B	$170.0M	12.0%	$2.6B	63/100
Trupanion, Inc. TRUP	FY2025	$1.4B	$19.4M	1.4%	$1.3B	57/100
Root, Inc. ROOT	FY2025	$1.5B	$40.3M	2.7%	$807.2M	52/100
Safety Insurance Group Inc SAFT	FY2025	$1.3B	$99.3M	7.8%	$1.5B	54/100

Where Horace Mann Educators Corporation Ranks

Frequently Asked Questions

What is Horace Mann Educators Corporation's annual revenue?

Horace Mann Educators Corporation (HMN) reported $1.7B in total revenue for fiscal year 2025. This represents a 6.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Horace Mann Educators Corporation's revenue growing?

Horace Mann Educators Corporation (HMN) revenue grew by 6.7% year-over-year, from $1.6B to $1.7B in fiscal year 2025.

Is Horace Mann Educators Corporation profitable?

Yes, Horace Mann Educators Corporation (HMN) reported a net income of $177.3M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $162.1M, with a net profit margin of 9.5%.

How much debt does Horace Mann Educators Corporation have?

As of fiscal year 2025, Horace Mann Educators Corporation (HMN) had $27.5M in cash and equivalents against $593.4M in long-term debt.

What is Horace Mann Educators Corporation's net profit margin?

Horace Mann Educators Corporation (HMN) had a net profit margin of 9.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Horace Mann Educators Corporation pay dividends?

Yes, Horace Mann Educators Corporation (HMN) paid $1.40 per share in dividends during fiscal year 2025.

What is Horace Mann Educators Corporation's return on equity (ROE)?

Horace Mann Educators Corporation (HMN) has a return on equity of 10.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Horace Mann Educators Corporation's operating cash flow?

Horace Mann Educators Corporation (HMN) generated $553.2M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Horace Mann Educators Corporation's total assets?

Horace Mann Educators Corporation (HMN) had $15.3B in total assets as of fiscal year 2025, including both current and long-term assets.

Does Horace Mann Educators Corporation buy back shares?

Yes, Horace Mann Educators Corporation (HMN) spent $20.8M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Horace Mann Educators Corporation have outstanding?

Horace Mann Educators Corporation (HMN) had 40M shares outstanding as of fiscal year 2025.

What is Horace Mann Educators Corporation's debt-to-equity ratio?

Horace Mann Educators Corporation (HMN) had a debt-to-equity ratio of 0.40 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.

What is Horace Mann Educators Corporation's liabilities-to-equity ratio?

Horace Mann Educators Corporation (HMN) had a liabilities-to-equity ratio of 9.30 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.

What is Horace Mann Educators Corporation's return on assets (ROA)?

Horace Mann Educators Corporation (HMN) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Horace Mann Educators Corporation's P/E ratio?

Horace Mann Educators Corporation (HMN) trades at 10.5x earnings, its market capitalization divided by $177.3M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.9B as of Oct 28, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Horace Mann Educators Corporation's price-to-sales ratio?

Horace Mann Educators Corporation (HMN) trades at 1.1x sales, its market capitalization divided by $1.7B revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.9B as of Oct 28, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Horace Mann Educators Corporation's Piotroski F-Score?

Horace Mann Educators Corporation (HMN) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

How financially healthy is Horace Mann Educators Corporation?

Horace Mann Educators Corporation (HMN) scores 38 out of 100 on our Financial Health Score, indicating weak standing within its insurers peer group. The score is the average of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For Horace Mann Educators Corporation it averages the 4 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.