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) Gross margin
Horace Mann Educators Corporation's gross margin over the twelve months to 30 September 2026 was 47.3%, up 1.9 percentage points from fiscal 2025 (45.4%). Over the past ten years it has ranged from 29.2% (fiscal 2018) to 45.4% (fiscal 2025) — the current reading is the highest in ten years. That is above the Insurance Property & Casualty industry median of 37.4% and below the Financial sector median of 70.1%.
Gross margin, annual
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Annual newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| FY2025 | 45.4% | 5.67 |
| FY2024 | 39.8% | 5.10 |
| FY2023 | 34.7% | 1.28 |
| FY2022 | 33.4% | (10.15) |
| FY2021 | 43.5% | 2.56 |
| FY2020 | 41.0% | (3.25) |
| FY2019 | 44.2% | 15.03 |
| FY2018 | 29.2% | (4.15) |
| FY2017 | 33.3% | (1.73) |
| FY2016 | 35.1% | (2.07) |
Quarterly newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| Sep 2026 | 50.1% | 4.37 |
| Jun 2026 | 45.7% | (0.70) |
| Mar 2026 | 46.4% | (0.84) |
| Dec 2025 | 47.2% | (1.08) |
| 43 more quarters | Free account |
Against its own ten years
Gross margin against peers
| Company | Gross margin |
|---|---|
| PRCH Porch Group, Inc. compare | 72.1% |
| STC Stewart Information Services Corporation compare | 64.9% |
| HCI HCI Group, Inc. compare | 61.0% |
| HMN Horace Mann Educators Corporation | 47.3% |
| SKWD Skyward Specialty Insurance Group, Inc. compare | 44.1% |
| UVE UNIVERSAL INSURANCE HOLDINGS INC compare | 26.6% |
| TRUP Trupanion, Inc. compare | 16.8% |
| SAFT Safety Insurance Group, Inc. compare | 7.63% |
| KMPR Kemper Corporation compare | −0.55% |
| Insurance Property & Casualty industry median | 37.4% |
| Financial sector median | 70.1% |
| Market median | 45.1% |
What Gross margin is
Gross Margin tells an investor how much of each sale a company keeps after paying the direct costs of making or buying what it sells.
Gross Profit ÷ Revenue
More on HMN
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Operating margin
- Net margin
- Free cash flow 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