Saturday 17 October 2026 Export HMN’s income statement to Excel — free account

Horace Mann Educators Corporation

HMN Financial Insurance Property & Casualty

Horace Mann Educators Corporation’s revenue for fiscal 2025 (year ended December 2025) was $1.7 billion, up 6.66% from fiscal 2024. In the quarter to June 2026, revenue grew 7.72%, EPS grew 43.7%, free cash flow grew 70.4% and total debt rose 8.53%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for five, operating cash flow growth for three; insiders bought in the last twelve months.

46.33 0.35 +0.76%

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Market cap: $1.9B
P/E: 10.7×
Fwd P/E: 11.7×
Dividend yield: 3.09%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Older periods	Sep '25	Dec '25	Mar '26	Jun '26
P/E ratio Full definition →	+8 more quarters Free account	11.32	11.75	10.67	11.98
P/S ratio Full definition →		1.11	1.12	1.02	1.21
P/FCF ratio Full definition →		3.02	3.44	3.69	3.73
P/Operating CF Full definition →		12.31	14.65	28.48	9.44
P/B ratio Full definition →		1.29	1.28	1.19	1.41
Price to Tangible BV Full definition →		1.50	1.48	1.37	1.61
EV/Sales Full definition →		1.73	1.60	1.50	1.67
EV/EBITDA Full definition →		10.92	10.27	9.59	10.34
EV/Operating CF Full definition →		4.71	4.91	5.42	5.14
EV/FCF Full definition →		4.71	4.91	5.42	5.14
Quick Ratio Full definition →		0.06	0.06	0.06	0.06
Current Ratio Full definition →		0.06	0.06	0.06	0.06
Net Debt/EBITDA Full definition →		9.13	9.07	8.63	8.39
Debt/Assets Full definition →		5.44%	3.89%	3.97%	3.81%
Debt/Equity Full definition →		0.58	0.40	0.40	0.40
Asset Turnover Full definition →		0.11	0.11	0.12	0.12
Operating CF/Net income Full definition →		2.59	3.59	1.49	5.38
Capex/Depreciation Full definition →		0.00	0.00	0.00	0.00
Interest Coverage Full definition →		9.03	5.57	6.28	6.10
Research and Development Expense of Revenue Full definition →		0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →		7.18%	7.70%	7.52%	7.22%
Intangible Assets out of Total Assets Full definition →		0.01	0.01	0.01	0.01
Share Based Compensation of Revenue Full definition →		0.55%	0.60%	0.51%	0.54%
Graham Net Nets Full definition →		(7.30)	(7.01)	(7.48)	(6.46)
Graham Number Full definition →		56.04	56.41	56.87	59.69
Earnings Yield Full definition →		8.83%	8.51%	9.37%	8.34%
Free Cash Flow Yield Full definition →		33.14%	29.08%	27.14%	26.80%
Revenue per Share Full definition →		10.64	10.55	10.50	10.84
Operating CF per Share Full definition →		3.67	3.15	1.50	5.47
Capex per Share Full definition →		0.00	0.00	0.00	0.00
Free Cash Flow per Share Full definition →		3.67	3.15	1.50	5.47
Cash per Share Full definition →		1.13	0.67	0.51	1.13
Shareholders Equity per Share Full definition →		34.98	35.99	35.94	36.75
Interest Debt per Share Full definition →		0.00	0.00	0.00	0.00
Book value per Share Full definition →		34.98	35.99	35.94	36.75
Free Cash Flow Full definition →		151.20	129.90	61.30	223.70
Working Capital Full definition →		(7,201.50)	(7,166.40)	(7,129.90)	(7,129.80)
Net Current Asset Value Full definition →		(13,578.60)	(13,337.40)	(13,053.50)	(13,646.10)
EV/EBIT Full definition →		12.18	11.44	10.66	11.44
Capex to Sales Full definition →		0.00	0.00	0.00	0.00
Price to Operating Income Full definition →		7.80	8.01	7.25	8.30
Other line items
Average Receivables Full definition →		430.85	421.90	417.25	406.45
Average Payables Full definition →		7,743.90	7,624.70	7,600.80	7,606.80
Average Assets Full definition →		15,101.65	14,877.20	14,681.00	15,166.35
Average Common Equity Full definition →		1,364.15	1,385.10	1,406.40	1,431.60

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