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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) Price to free cash flow

Alert me on Price to free cash flow

As of 5 November 2026, Horace Mann Educators Corporation (HMN) trades at a price to free cash flow of 3.8×. Over the past ten years it has ranged from 2.7× (July 2025) to 18.8× (June 2020); the current reading is higher than 13% of that period. That is below the Insurance Property & Casualty industry median of 8.0× and below the Financial sector median of 9.7×.

Price to free cash flow, daily

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Annual newest first

Period Price to free cash flow Change
FY2025 3.4× (4.03%)
FY2024 3.6× (21.98%)
FY2023 4.6× (49.64%)
FY2022 9.1× 14.97%
FY2021 7.9× 17.00%
FY2020 6.8× (52.48%)
FY2019 14.3× 84.12%
FY2018 7.7× 9.88%
FY2017 7.1× (15.54%)
FY2016 8.4× 24.73%

Quarterly newest first

Period Price to free cash flow Change
Sep 2026 3.2× (13.65%)
Jun 2026 3.7× 1.26%
Mar 2026 3.7× 7.15%
Dec 2025 3.4× 13.99%
43 more quarters

Against its own ten years

Low 2.7× High 18.8×
Ten-year median 6.7×
Current reading's percentile 13

Price to free cash flow against peers

Company Price to free cash flow
UVE UNIVERSAL INSURANCE HOLDINGS INC compare 3.6×
HMN Horace Mann Educators Corporation 3.8×
HCI HCI Group, Inc. compare 5.1×
SKWD Skyward Specialty Insurance Group, Inc. compare 7.1×
SAFT Safety Insurance Group, Inc. compare 8.6×
STC Stewart Information Services Corporation compare 10.1×
TRUP Trupanion, Inc. compare 17.4×
PRCH Porch Group, Inc. compare 24.3×
KMPR Kemper Corporation compare 51.5×
Insurance Property & Casualty industry median 8.0×
Financial sector median 9.7×
Market median 14.1×

What Price to free cash flow is

Price to Free Cash Flow Ratio shows how much investors pay for each dollar of cash a company generates after its capital spending.

Stock Price ÷ ((Operating Cash Flow (TTM) + Property, Plant, Equipment Change (Net) (TTM) + Intangible Assets Change (Net) (TTM)) ÷ (Shares (Basic, Weighted) (latest quarter)))

The full definition of Price to free cash flow →

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