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HORACE MANN EDUCATORS CORP /DE/

HMN

$52.20 ▼ -1.95 (-3.61%) at close

17 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Fair

Neutral

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Analytical Summary

HORACE MANN EDUCATORS CORP /DE/ shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $2.2B

Dividend Yield 2.68%

Revenue Growth 6.7% ↘

Op. Margin 11.8% ↗

ROIC None

FCF / Share None

Trailing P/E 13.3x

Price / Book 1.5x

FCF Yield —

Debt / Equity 0.40

info Valuation on last close. End-of-day price, Aug 7, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.70B

↑ +6.7% —

Net Income Profit after all expenses

$162.10M

↑ +57.7% —

Operating Margin Operating profit as % of sales

11.8%

↑ +46.7% 61th

Long-Term Debt Long-term obligations

$593.40M

↑ +8.5% —

Health Breakdown

Profitability ↓

Returns ↑

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$1.40 Latest / share

+2.9% YoY

+3.9% 12-yr CAGR

$0.92

FY 2014

$1.00

FY 2015

$1.06

FY 2016

$1.10

FY 2017

$1.14

FY 2018

$1.15

FY 2019

$1.20

FY 2020

$1.24

FY 2021

$1.28

FY 2022

$1.32

FY 2023

$1.36

FY 2024

$1.40

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue Growth YoY (%)	6.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+11%)	6.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+15%)	8.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+33%)	3.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-35%)	1.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-75%)	-8.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-240%)	20.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+234%)	1.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-71%)	3.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-37%)	4.5% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-25%)	1.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-69%)	2.9% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-52%)	2.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-66%)	1.3% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-79%)	2.4% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-60%)	4.0% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-34%)	—
EPS Growth YoY (%)	57.8% Excellent → Excellent Stable Year-over-year change in earnings per share Optimal: > 10%	128.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	127.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-85.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	6.9% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-28.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	904.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-89.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	101.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-8.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-10.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-9.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	4.6% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	48.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-13.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	9.0% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	—
Net Income Growth YoY (%)	57.7% Excellent → Excellent Stable Year-over-year change in net income	128.4% Excellent ↑ Excellent Improving Year-over-year change in net income	127.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-86.1% Weak ↓ Weak Declining Year-over-year change in net income	7.1% Fair ↓ Fair Declining Year-over-year change in net income	-27.7% Weak ↓ Weak Declining Year-over-year change in net income	905.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-89.2% Weak ↓ Weak Declining Year-over-year change in net income	102.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-10.4% Weak ↓ Weak Declining Year-over-year change in net income	-10.3% Weak ↓ Weak Declining Year-over-year change in net income	-6.0% Weak ↓ Weak Declining Year-over-year change in net income	6.8% Fair ↓ Fair Declining Year-over-year change in net income	47.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-12.8% Weak Weak Year-over-year change in net income	10.0% Fair Fair Year-over-year change in net income	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	7.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.4% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-1.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	3.7% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	3.8% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	8.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.3% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	3.4% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	3.1% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.2% Caution → Caution Stable Compound annual revenue growth over 3 years	2.0% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	1.9% Weak Weak Compound annual revenue growth over 3 years	2.5% Caution Caution Compound annual revenue growth over 3 years	—	—	—
Revenue CAGR 5Y (%)	5.4% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	2.2% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.6% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.4% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	3.3% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	3.9% Caution → Caution Stable Compound annual revenue growth over 5 years	6.2% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	2.9% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	3.0% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	2.5% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	2.1% Caution Caution Compound annual revenue growth over 5 years	2.5% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—
EPS CAGR 3Y (%)	101.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-9.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-30.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-52.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	97.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-8.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	29.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-41.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	17.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-9.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-5.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	12.2% Good ↑ Good Improving Compound annual EPS growth over 3 years	10.3% Good Good Compound annual EPS growth over 3 years	11.8% Good Good Compound annual EPS growth over 3 years	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Operating Margin (%) (%)	11.8% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	8.1% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-68%)	3.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-86%)	1.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-95%)	13.1% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	12.2% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	16.5% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	1.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-93%)	7.6% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-70%)	10.1% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-60%)	12.0% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	13.8% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-45%)	14.9% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	14.8% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	9.5% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	—	—
Effective Tax Rate (%) (%)	19.4% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.1% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.6% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-20.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.4% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.5% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.0% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	6.1% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-91.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.7% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.8% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.7% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.0% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.4% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.7% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—
Profit Margin (%) (%)	9.5% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-57%)	6.4% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)	3.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-86%)	1.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-93%)	10.7% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	10.2% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	12.9% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	1.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-93%)	14.5% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	7.4% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	8.7% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-61%)	9.8% Caution → Caution Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-55%)	10.8% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	10.3% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	7.1% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-68%)	8.3% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	7.8% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	10.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	8.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	3.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	1.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	7.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	7.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	11.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	1.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-88%)	11.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	6.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-46%)	7.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	7.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	10.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	8.3% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	6.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-44%)	9.2% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	10.2% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Debt to Equity (x)	0.40x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-67%)	0.42x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-65%)	0.46x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-61%)	0.45x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-62%)	0.28x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-77%)	0.24x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-80%)	0.28x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-77%)	0.23x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-81%)	—	0.19x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	0.20x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	0.15x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-88%)	0.18x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	0.16x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-87%)	—	0.23x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-81%)	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue per Share (USD)	$41.30	$38.62	$36.12	$33.21	$31.67	$31.27	$34.27	$28.66	$28.32	$27.43	$0.03	$25.47	$25.54	$25.58	$25.04	$24.77	$23.93
Basic EPS, GAAP (USD)	$3.93	$2.49	$1.09	$0.48	$3.40	$3.18	$4.42	$0.44	$4.10	$2.04	$2.23	$2.50	$2.75	$2.63	$1.77	$2.05	$1.88
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.40	$1.36	$1.32	$1.28	$1.24	$1.20	$1.15	$1.14	$1.10	$1.06	$1.00	$0.92	$0.78	$0.55	$0.46	$0.35	$0.24
Book Value per Share (USD)	$35.99	$31.17	$28.46	$26.40	$43.03	$42.72	$37.55	$31.04	$36.30	$31.44	$0.03	$32.09	$27.23	$31.53	$26.47	$22.36	$18.37
Tangible Book Value per Share (USD)	$31.24	$26.09	$23.02	$20.64	$38.54	$37.90	$32.13	$29.90	$36.30	$30.29	$0.03	$30.95	$26.05	$30.33	$26.47	$21.16	$18.37
Basic Weighted Avg Shares (shares)	41.20M	41.30M	41.30M	41.60M	42.00M	41.90M	41.74M	41.57M	41.36M	41.16M	41.91B	41.65M	40.38M	39.51M	39.87M	39.35M	39.18M
Dividend Payout Ratio (%)	35.6% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	54.6% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$593.40M	$547.00M	$546.00M	$249.00M	$253.60M	$302.30M	$298.02M	$297.74M	—	$247.21M	$246.97M	$199.94M	$199.87M	$199.81M	—	$199.68M	—
Total Equity (USD)	$1.48B	$1.29B	$1.18B	$1.10B	$1.81B	$1.79B	$1.57B	$1.29B	$1.50B	$1.29B	$1.26B	$1.34B	$1.10B	$1.25B	$1.06B	$880.01M	$719.54M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$1.70B	$1.60B	$1.49B	$1.38B	$1.33B	$1.31B	$1.43B	$1.19B	$1.17B	$1.13B	$1.08B	$1.06B	$1.03B	$1.01B	$998.30M	$974.71M	$937.43M
Depreciation Expense (USD)	$27.10M	$26.40M	$26.20M	$27.60M	$18.40M	$23.40M	$15.63M	$7.36M	$6.62M	—	—	—	—	—	—	—	—
Net Income, GAAP (USD)	$162.10M	$102.80M	$45.00M	$19.80M	$142.80M	$133.30M	$184.44M	$18.34M	$169.46M	$83.77M	$93.48M	$104.24M	$110.89M	$103.87M	$70.51M	$80.86M	$73.49M
Operating Cash Flow (USD)	$553.20M	$452.10M	$302.10M	$171.50M	$204.90M	$259.80M	$127.57M	$200.89M	$256.59M	$211.43M	—	$221.93M	$205.94M	$202.85M	$115.88M	$157.75M	$178.90M

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Premiums Earned (USD)	$1.23B	$1.15B	$1.06B	$1.03B	$889.60M	$930.70M	$897.95M	$817.33M	$794.70M	$759.15M	$731.88M	$715.76M	$690.94M	$670.53M	$667.12M	—	—
Loss Ratio (%) (%)	57.9%	65.0%	72.8%	72.7%	69.4%	61.1%	65.2%	78.0%	73.3%	71.3%	67.8%	65.4%	64.9%	66.9%	75.3%	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 17 years · 65 quarters

HORACE MANN EDUCATORS CORP /DE/

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