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Friday 6 November 2026
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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.
- Revenue
- +0.16%
- EPS
- +0.73%
- Free cash flow
- +70.4%
- Total debt
- −29.5%
Quarter to September 2026, against a year earlier
52.49
2.29
+4.56%
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| Sep '26 | Jun '26 | Mar '26 | Dec '25 | Older periods | |
|---|---|---|---|---|---|
P/E ratio |
10.32 | 11.98 | 10.67 | 11.75 |
+8 more quarters Free account |
P/S ratio |
1.04 | 1.21 | 1.02 | 1.12 | |
P/FCF ratio |
3.22 | 3.73 | 3.69 | 3.44 | |
P/Operating CF |
8.15 | 9.44 | 28.48 | 14.65 | |
P/B ratio |
1.28 | 1.41 | 1.19 | 1.28 | |
Price to Tangible BV |
1.48 | 1.61 | 1.37 | 1.48 | |
EV/Sales |
— | 1.67 | 1.50 | 1.60 | |
EV/EBITDA |
— | 10.34 | 9.59 | 10.27 | |
EV/Operating CF |
— | 5.14 | 5.42 | 4.91 | |
EV/FCF |
— | 5.14 | 5.42 | 4.91 | |
Quick Ratio |
0.07 | 0.06 | 0.06 | 0.06 | |
Current Ratio |
0.07 | 0.06 | 0.06 | 0.06 | |
Net Debt/EBITDA |
0.00 | 8.39 | 8.63 | 9.07 | |
Debt/Assets |
3.86% | 3.81% | 3.97% | 3.89% | |
Debt/Equity |
0.42 | 0.40 | 0.40 | 0.40 | |
Asset Turnover |
0.11 | 0.12 | 0.12 | 0.11 | |
Operating CF/Net income |
0.00 | 5.38 | 1.49 | 3.59 | |
Capex/Depreciation |
— | 0.00 | 0.00 | 0.00 | |
Interest Coverage |
8.56 | 6.10 | 6.28 | 5.57 | |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | |
Selling, General and Administrative Expense of Revenue |
7.26% | 7.22% | 7.52% | 7.70% | |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.01 | |
Share Based Compensation of Revenue |
0.00% | 0.54% | 0.51% | 0.60% | |
Graham Net Nets |
(7.36) | (6.46) | (7.48) | (7.01) | |
Graham Number |
58.12 | 59.69 | 56.87 | 56.41 | |
Earnings Yield |
9.69% | 8.34% | 9.37% | 8.51% | |
Free Cash Flow Yield |
31.03% | 26.80% | 27.14% | 29.08% | |
Revenue per Share |
10.74 | 10.84 | 10.50 | 10.55 | |
Operating CF per Share |
0.00 | 5.47 | 1.50 | 3.15 | |
Capex per Share |
0.00 | 0.00 | 0.00 | 0.00 | |
Free Cash Flow per Share |
0.00 | 5.47 | 1.50 | 3.15 | |
Cash per Share |
3.59 | 1.13 | 0.51 | 0.67 | |
Shareholders Equity per Share |
34.75 | 36.75 | 35.94 | 35.99 | |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | |
Book value per Share |
34.75 | 36.75 | 35.94 | 35.99 | |
Free Cash Flow |
— | 223.70 | 61.30 | 129.90 | |
Working Capital |
(6,905.50) | (7,129.80) | (7,129.90) | (7,166.40) | |
Net Current Asset Value |
(13,423.30) | (13,646.10) | (13,053.50) | (13,337.40) | |
EV/EBIT |
— | 11.44 | 10.66 | 11.44 | |
Capex to Sales |
0.00 | 0.00 | 0.00 | 0.00 | |
Price to Operating Income |
7.12 | 8.30 | 7.25 | 8.01 | |
| Other line items | |||||
Average Receivables |
416.10 | 406.45 | 417.25 | 421.90 | |
Average Payables |
7,566.40 | 7,606.80 | 7,600.80 | 7,624.70 | |
Average Assets |
15,445.10 | 15,166.35 | 14,681.00 | 14,877.20 | |
Average Common Equity |
1,431.25 | 1,431.60 | 1,406.40 | 1,385.10 |
Columns are period end dates · fundamentals updated 5 Nov 2026