Horace Mann Educators Corp /De/
HMN NYSE· Fire, Marine & Casualty Insurance
Last close · Oct 26, 2026
$46.49
KIRA · Stoqly’s AI analyst, in plain words
- Horace Mann Educators Corp /De/ had $1.7B of revenue in fiscal 2025, up 6.7% on the year before. Over five years, revenue changed +5.4% a year on average.
- Horace Mann Educators Corp /De/ made $162M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 7.6% a year.
- Horace Mann Educators Corp /De/ returned $57.1M to shareholders in fiscal 2025. The diluted share count rose 0.2%.
- Horace Mann Educators Corp /De/ owes $566M more than it holds in cash.
Market cap
$1.9B
P/E
10.9x
Revenue
$1.7B
Net income
$162M
Free cash flow
—
Operating margin
—
Horace Mann Educators Corp /De/ in 30 seconds · fiscal 2025
Are sales growing?
+6.7%
Yes. Sales grew 6.7% last year.
Does it make a profit?
9.5%
A little. It keeps 9.5% of every sale as profit.
How healthy are the accounts?
5 / 7
Mixed. It passes 5 of 7 health tests.
How is the share priced?
10.9x
One share costs 10.9 times its yearly profit per share.
What Horace Mann Educators Corp /De/ does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Legal name
- HORACE MANN EDUCATORS CORP /DE/
- CIK
- 0000850141
Horace Mann Educators Corp /De/ · HMN
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $1.3B | $1.4B | $1.5B | $1.6B | $1.7B |
| Revenue growth | 1.4% | 3.9% | 8.0% | 6.9% | 6.7% |
| Net income | $170M | $19.8M | $45.0M | $103M | $162M |
| Net margin | 12.8% | 1.4% | 3.0% | 6.4% | 9.5% |
| Diluted EPS | $4.04 | $0.47 | $1.09 | $2.48 | $3.90 |
| Cash | |||||
| Cash from operations | $205M | $172M | $302M | $452M | $553M |
| Dividends paid | $51.4M | $52.6M | $53.9M | $55.5M | $57.1M |
| Share count change | 0.5% | −0.9% | −1.0% | 0.2% | 0.2% |
| Debt and strength | |||||
| Cash and short-term investments | $134M | $42.8M | $29.7M | $38.1M | $27.5M |
| Debt incl. finance leases | $503M | $498M | $546M | $547M | $593M |
| Shareholders' equity | $1.5B | $1.1B | $1.2B | $1.3B | $1.5B |
| Returns and quality | |||||
| Return on equity | 10.4% | 1.5% | 4.0% | 8.3% | 11.7% |
| Return on tangible equity | 10.9% | 2.3% | 4.7% | 9.5% | 12.6% |
| Piotroski F-score | 4 | 5 | 6 | 6 | 5 |
Insiders bought, 12 months
$0.2M
2 insiders
Insiders sold, 12 months
$4.2M
7 insiders
Of sales under plans
81%
$3.4M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Horace Mann Educators Corp /De/ · HMN
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $46.49 a share, the company is worth $1.9B: 10.9 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000850141). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.