Horace Mann Educators Corporation (HMN)

NYSE: HMN · Real-Time Price · USD

52.13

+0.82 (1.60%)

Jul 24, 2026, 4:00 PM EDT - Market closed

Horace Mann Educators Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	1,714	1,701	1,595	1,492	1,382	1,329
Revenue Growth	5.46%	6.66%	6.92%	7.98%	3.93%	1.44%
Operating Income	240.9	237.6	163.2	83	35.9	224
Net Income	165.1	162.1	102.8	45	19.8	170.4
Earnings Per Share	3.98	3.90	2.48	1.09	0.47	4.04
EPS Growth	44.20%	57.26%	127.52%	131.91%	-88.37%	27.45%

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Corporate and Other	2.3	6.3	0.9	3.4	0.4	-0.1
Life & Retirement	552.5	553	538.4	538.6	499.3	482
Property & Casualty	877	862.9	784.8	686.3	643	678.5
Supplemental & Group Benefits	305.7	302.4	288.4	287.6	295.4	153.2
Total	1,738	1,725	1,613	1,516	1,438	1,311

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	473.7	553.2	452.1	302.1	171.5	204.9
Free Cash Flow	473.7	553.2	452.1	302.1	171.5	204.9
Free Cash Flow Growth	-8.62%	22.36%	49.65%	76.15%	-16.30%	-21.13%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Margin	14.05%	13.96%	10.23%	5.56%	2.60%	16.85%
Pretax Margin	11.89%	11.83%	8.06%	3.57%	1.19%	15.81%
Profit Margin	9.63%	9.53%	6.44%	3.02%	1.43%	12.82%
FCF Margin	27.63%	32.51%	28.34%	20.25%	12.41%	15.41%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 24, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	1.440	1.400	1.360	1.320	1.280	1.240
Dividend Per Share Growth	2.90%	2.94%	3.03%	3.13%	3.23%	3.33%
Dividend Yield	2.77%	3.00%	3.43%	3.99%	3.38%	3.16%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 24, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	13.07	11.84	15.82	30.00	79.51	9.58
Forward PE	11.22	10.55	11.01	10.87	13.11	12.18
P/FCF Ratio	-	3.39	3.55	4.42	8.91	7.82
PS Ratio	1.23	1.10	1.00	0.90	1.11	1.21