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

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

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