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Stocks · Financials · Fire, Marine & Casualty Insurance

HORACE MANN EDUCATORS CORP /DE/

HMN Clue Score49
United States Fiscal year ends December CIK 0000850141
$45.56 -0.74% Close, 9 Oct 2026
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Price $45.56 +12.27% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue1.13Net income0.08EPS, diluted2.02Fiscal year 2017Revenue1.17 +3.8%Net income0.17 +102.3%EPS, diluted4.08 +102.0%Fiscal year 2018Revenue1.19 +1.7%Net income0.02 −89.2%EPS, diluted0.44 −89.2%Fiscal year 2019Revenue1.43 +20.0%Net income0.18 +905.3%EPS, diluted4.40 +900.0%Fiscal year 2020Revenue1.31 −8.4%Net income0.13 −27.7%EPS, diluted3.17 −28.0%Fiscal year 2021Revenue1.33 +1.4%Net income0.17 +27.8%EPS, diluted4.04 +27.4%Fiscal year 2022Revenue1.38 +3.9%Net income0.02 −88.4%EPS, diluted0.47 −88.4%Fiscal year 2023Revenue1.49 +8.0%Net income0.05 +127.3%EPS, diluted1.09 +131.9%Fiscal year 2024Revenue1.60 +6.9%Net income0.10 +128.4%EPS, diluted2.48 +127.5%Fiscal year 2025Revenue1.70 +6.7%Net income0.16 +57.7%EPS, diluted3.90 +57.3%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 1.13 1.17 1.19 1.43 1.31 1.33 1.38 1.49 1.60 1.70
Growth +3.8% +1.7% +20.0% −8.4% +1.4% +3.9% +8.0% +6.9% +6.7%
Net income 0.08 0.17 0.02 0.18 0.13 0.17 0.02 0.05 0.10 0.16
Growth +102.3% −89.2% +905.3% −27.7% +27.8% −88.4% +127.3% +128.4% +57.7%
EPS, diluted 2.02 4.08 0.44 4.40 3.17 4.04 0.47 1.09 2.48 3.90
Growth +102.0% −89.2% +900.0% −28.0% +27.4% −88.4% +131.9% +127.5% +57.3%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin7.4%Fiscal year 2017Net margin14.5%Fiscal year 2018Net margin1.5%Fiscal year 2019Net margin12.9%Fiscal year 2020Net margin10.2%Fiscal year 2021Net margin12.8%Fiscal year 2022Net margin1.4%Fiscal year 2023Net margin3.0%Fiscal year 2024Net margin6.4%Fiscal year 2025Net margin9.5%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 7.4% 14.5% 1.5% 12.9% 10.2% 12.8% 1.4% 3.0% 6.4% 9.5%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flow
Fiscal year 2016Operating cash flow0.21Dividends paid−0.04Fiscal year 2017Operating cash flow0.26Dividends paid−0.05Fiscal year 2018Operating cash flow0.20Dividends paid−0.05Fiscal year 2019Operating cash flow0.13Dividends paid−0.05Fiscal year 2020Operating cash flow0.26Dividends paid−0.05Fiscal year 2021Operating cash flow0.20Dividends paid−0.05Fiscal year 2022Operating cash flow0.17Dividends paid−0.05Fiscal year 2023Operating cash flow0.30Dividends paid−0.05Fiscal year 2024Operating cash flow0.45Dividends paid−0.06Fiscal year 2025Operating cash flow0.55Dividends paid−0.06
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.21 0.26 0.20 0.13 0.26 0.20 0.17 0.30 0.45 0.55
Dividends paid −0.04 −0.05 −0.05 −0.05 −0.05 −0.05 −0.05 −0.05 −0.06 −0.06

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash0.02Total debt0.25Net cash (debt)−0.23Shareholders’ equity1.29Debt to equity0.19Fiscal year 2017Cash0.01Total debt0.30Net cash (debt)−0.29Shareholders’ equity1.50Debt to equity0.20Fiscal year 2018Cash0.01Total debt0.30Net cash (debt)−0.29Shareholders’ equity1.29Debt to equity0.23Fiscal year 2019Cash0.03Total debt0.30Net cash (debt)−0.27Shareholders’ equity1.57Debt to equity0.19Fiscal year 2020Cash0.02Total debt0.30Net cash (debt)−0.28Shareholders’ equity1.79Debt to equity0.17Fiscal year 2021Cash0.13Total debt0.25Net cash (debt)−0.12Shareholders’ equity1.50Debt to equity0.17Fiscal year 2022Cash0.04Total debt0.25Net cash (debt)−0.21Shareholders’ equity1.10Debt to equity0.23Fiscal year 2023Cash0.03Total debt0.55Net cash (debt)−0.52Shareholders’ equity1.18Debt to equity0.46Fiscal year 2024Cash0.04Total debt0.55Net cash (debt)−0.51Shareholders’ equity1.29Debt to equity0.42Fiscal year 2025Cash0.03Total debt0.59Net cash (debt)−0.57Shareholders’ equity1.48Debt to equity0.40
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 0.02 0.01 0.01 0.03 0.02 0.13 0.04 0.03 0.04 0.03
Total debt 0.25 0.30 0.30 0.30 0.30 0.25 0.25 0.55 0.55 0.59
Net cash (debt) −0.23 −0.29 −0.29 −0.27 −0.28 −0.12 −0.21 −0.52 −0.51 −0.57
Shareholders’ equity 1.29 1.50 1.29 1.57 1.79 1.50 1.10 1.18 1.29 1.48
Debt to equity 0.19 0.20 0.23 0.19 0.17 0.17 0.23 0.46 0.42 0.40

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
10.1% 7.6% 1.6% 16.5% 12.2% 15.8% 1.2% 3.6% 8.1% 11.8%
7.4% 14.5% 1.5% 12.9% 10.2% 12.8% 1.4% 3.0% 6.4% 9.5%
Spending
26.7% −91.1% 6.1% 22.0% 16.5% 18.9% −20.0% 15.6% 20.1% 19.4%
Returns
6.5% 11.3% 1.4% 11.8% 7.4% 11.4% 1.8% 3.8% 8.0% 10.9%
0.8% 1.5% 0.2% 1.5% 1.0% 1.2% 0.1% 0.3% 0.7% 1.1%
Balance and payout
0.19 0.20 0.23 0.19 0.17 0.17 0.23 0.46 0.42 0.40
87.8% 86.6% 88.3% 87.4% 86.7% 87.0% 91.7% 91.6% 91.1% 90.3%
52.9% 27.2% 254.5% 25.7% 37.2% 30.2% 265.7% 119.8% 54.0% 35.2%