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HMN · NYSE · United States · Fire, Marine & Casualty Insurance
In shortHORACE MANN EDUCATORS CORP /DE/ is profitable.
Financial health
Strong
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 9.5% | 58/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 11.7% | 59/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 32.5% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 3.41× | n/a |
| Years with positive free cash flow (last 5) | 5 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 5 | 100/100 |
| Revenue growth volatility | 2.7% | 100/100 |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | 7.2% | 57/100 |
|---|---|---|
| EPS growth, 3-year average | 102.5% | 100/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 1,329 | 1,382 | 1,492 | 1,595 | 1,701 |
| Interest expense | 14 | 19 | 30 | 35 | 36 |
| Pre-tax income | 210 | 17 | 53 | 129 | 201 |
| Income tax | 40 | (3.3) | 8.3 | 26 | 39 |
| Net income | 170 | 20 | 45 | 103 | 162 |
| Diluted EPS | $4.04 | $0.47 | $1.09 | $2.48 | $3.90 |
| Diluted shares (millions) | 42 | 42 | 41 | 42 | 42 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 8 reported quarters (10-Q and 10-K filings), in USD millions. The fourth quarter is derived from the annual report.
The last 8 quarters of HORACE MANN EDUCATORS CORP /DE/ are included in the Investor plan. Try free for 7 days →
Not computed: the model does not apply to banks and insurers.
6/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 7, 2026