Horace Mann Educators Corp Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $1.7B+9.5% YoYTTM through 30 Jun 2026
Net Income $177.3M+72.5% YoYTTM through 30 Jun 2026
Free Cash Flow $528.7MTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | 14.0% |
| Net Margin | 10.2% |
Returns
10.9%ROE
1.1%ROA
8.6%ROIC
Balance Sheet Health
Debt / Equity0.40x
Net Debt$565.9M
Cash & Equivalents$46.2M
Quality Metrics
Piotroski F-Score7 / 9
FCF Margin30.3%
Rule of 4031.5
Earnings-Beat Rate100.0%
Multi-Year Trend
RevenueFY2025: $1.7B
Diluted EPS$4.28TTMFY2025: $3.90
Dividend
$0.72Per share, FY20263.01%Yield-10.3%5-yr growth
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Property & Casualty | $867.7M | View detailsTargets a Property & Casualty expense ratio of approximately 25% over the three-year strategic period ending in 2028. | |
| Life & Retirement | $544.4M | View detailsExpects to reinvest approximately $512.5 million of the Life & Retirement investment portfolio and related investable cash flows at current market rates over the next 12 months. | |
| Supplemental & Group Benefits | $289.2M | View detailsAims to drive continued sales momentum and expand employer-sponsored voluntary benefits in the educator market. |
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