stockrowHorace 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
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Horace Mann Educators Corporation (HMN) Free cash flow margin
Horace Mann Educators Corporation's free cash flow margin over the twelve months to 30 September 2026 was 0.00%, down 32.5 percentage points from fiscal 2025 (32.5%). Over the past ten years it has ranged from 8.92% (fiscal 2019) to 32.5% (fiscal 2025) — the current reading is the highest in ten years. That is below the Insurance Property & Casualty industry median of 18.6% and below the Financial sector median of 11.4%.
Free cash flow margin, annual
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Annual newest first
| Period | Free cash flow margin | Change (points) |
|---|---|---|
| FY2025 | 32.5% | 4.17 |
| FY2024 | 28.3% | 8.09 |
| FY2023 | 20.3% | 7.84 |
| FY2022 | 12.4% | (3.00) |
| FY2021 | 15.4% | (4.42) |
| FY2020 | 19.8% | 10.91 |
| FY2019 | 8.92% | (7.94) |
| FY2018 | 16.9% | (5.04) |
| FY2017 | 21.9% | 3.17 |
| FY2016 | 18.7% | (0.49) |
Against its own ten years
Free cash flow margin against peers
| Company | Free cash flow margin |
|---|---|
| HCI HCI Group, Inc. compare | 46.7% |
| SKWD Skyward Specialty Insurance Group, Inc. compare | 23.2% |
| UVE UNIVERSAL INSURANCE HOLDINGS INC compare | 21.6% |
| PRCH Porch Group, Inc. compare | 18.6% |
| SAFT Safety Insurance Group, Inc. compare | 13.7% |
| KMPR Kemper Corporation compare | 8.68% |
| TRUP Trupanion, Inc. compare | 5.56% |
| HMN Horace Mann Educators Corporation | 0.00% |
| STC Stewart Information Services Corporation compare | 0.00% |
| Insurance Property & Casualty industry median | 18.6% |
| Financial sector median | 11.4% |
| Market median | 0.00% |
What Free cash flow margin is
Free Cash Flow Margin tells an investor how much of each sale turns into cash the company keeps after paying for investment in its assets.
(Operating Cash Flow + Property, Plant, Equipment Change (Net) + Intangible Assets Change (Net)) ÷ Revenue
More on HMN
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement