Horace Mann Educators Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 3, 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
Market Capitalization	1,757	1,879	1,599	1,335	1,528	1,606
Market Cap Growth	4.49%	17.51%	19.74%	-12.63%	-4.81%	-7.78%
Enterprise Value	3,363	2,675	2,151	1,848	1,991	1,955
PE Ratio	11.14	11.59	15.55	29.67	77.19	9.42
PS Ratio	1.03	1.10	1.00	0.90	1.11	1.21
PB Ratio	1.19	1.27	1.24	1.14	1.39	0.89
P/OCF Ratio	3.18	-	3.54	4.42	8.91	7.84
EV/Sales Ratio	1.98	1.57	1.35	1.24	1.44	1.47
EV/EBITDA Ratio	12.71	9.84	11.35	16.92	29.15	8.07
EV/EBIT Ratio	14.16	10.93	13.18	22.26	48.92	8.73
Debt / Equity Ratio	0.40	0.40	1.20	1.23	1.24	0.28
Debt / EBITDA Ratio	2.18	2.18	8.17	13.28	19.92	2.08
Net Debt / Equity Ratio	0.38	0.38	1.18	1.21	1.20	0.21
Net Debt / EBITDA Ratio	2.09	2.09	7.99	13.02	19.31	1.57
Quick Ratio	0.51	0.51	0.11	0.19	0.20	0.29
Current Ratio	3.48	3.48	2.25	3.64	2.96	2.92
Asset Turnover	0.11	0.11	0.11	0.11	0.10	0.10
Return on Equity (ROE)	11.70%	11.70%	8.35%	3.96%	1.36%	9.47%
Return on Assets (ROA)	1.03%	1.03%	0.71%	0.38%	0.18%	1.00%
Return on Invested Capital (ROIC)	9.04%	8.03%	4.78%	2.76%	1.70%	7.97%
Earnings Yield	9.23%	8.63%	6.43%	3.37%	1.29%	10.61%
Dividend Yield	3.22%	3.03%	3.58%	4.33%	3.83%	3.71%
Payout Ratio	36.15%	-	53.99%	119.78%	265.66%	30.16%
Buyback Yield / Dilution	-0.24%	-0.24%	-0.24%	0.96%	0.95%	-0.48%
Total Shareholder Return	2.98%	2.79%	3.34%	5.29%	4.78%	3.23%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.

SEC Filings: 10-K · 10-Q