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Friday 6 November 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.

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%
Market cap
$2.2B
P/E
12.1×
Fwd P/E
11.2×
Dividend yield
2.72%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Horace Mann Educators Corporation (HMN) P/B ratio

Alert me on P/B ratio

As of 5 November 2026, Horace Mann Educators Corporation (HMN) trades at a P/B ratio of 1.5×. Over the past ten years it has ranged from 0.8× (September 2020) to 1.5× (November 2022); the current reading is higher than 100% of that period. That is below the Insurance Property & Casualty industry median of 1.9× and above the Financial sector median of 1.3×.

P/B ratio, daily

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Annual newest first

Period P/B ratio Change
FY2025 1.3× 1.97%
FY2024 1.3× 6.58%
FY2023 1.2× (17.10%)
FY2022 1.4× 58.37%
FY2021 0.9× (8.61%)
FY2020 1.0× (15.29%)
FY2019 1.2× (3.71%)
FY2018 1.2× 0.09%
FY2017 1.2× (11.67%)
FY2016 1.4× 24.08%

Quarterly newest first

Period P/B ratio Change
Sep 2026 1.3× (8.69%)
Jun 2026 1.4× 18.37%
Mar 2026 1.2× (7.46%)
Dec 2025 1.3× (0.62%)
43 more quarters

Against its own ten years

Low 0.8× High 1.5×
Ten-year median 1.2×
Current reading's percentile 100

P/B ratio against peers

Company P/B ratio
STC Stewart Information Services Corporation compare 0.9×
KMPR Kemper Corporation compare 1.0×
HMN Horace Mann Educators Corporation 1.5×
SAFT Safety Insurance Group, Inc. compare 1.7×
HCI HCI Group, Inc. compare 1.9×
UVE UNIVERSAL INSURANCE HOLDINGS INC compare 2.0×
SKWD Skyward Specialty Insurance Group, Inc. compare 2.2×
TRUP Trupanion, Inc. compare 3.8×
PRCH Porch Group, Inc. compare 78.2×
Insurance Property & Casualty industry median 1.9×
Financial sector median 1.3×
Market median 1.7×

What P/B ratio is

Price to Book Value tells an investor how much the market pays for a company’s shares relative to the accounting net worth that belongs to common shareholders.

Stock Price ÷ (Common Equity (Total) (latest quarter) ÷ Shares (Basic, Weighted) (latest quarter))

The full definition of P/B ratio →

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