Horace Mann Educators Financial Ratios
NYSE: HMNFinanceProperty-Casualty InsurersUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Horace Mann Educators ratio analysis
Horace Mann Educators earned a net margin of 9.5% in FY 2025, up from 6.4% a year earlier. Return on equity reached 10.9%, meaning Horace Mann Educators generated 0.11 dollars of profit for every dollar of shareholders' equity. Debt-to-equity stood at 0.40 versus 0.42 the year before.
At the end of FY 2025, HMN traded at 11.6 times earnings; across the 10 fiscal years shown, its year-end P/E ranged from 9.6 to 86.2, with a median of 14.5. Valuation ratios use the closing share price on each fiscal year-end date and diluted shares from the income statement; profitability and leverage ratios use reported annual figures. Current valuation multiples are on the statistics page.
Summary generated from market data by MetaCap's automated system. Methodology
Horace Mann Educators financial ratios (annual)
| Ratio | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E ratio (at fiscal year end) | 11.58 | 15.72 | 30.00 | 79.51 | 9.58 | 13.26 | 10.11 | 86.23 | 10.81 | 21.19 |
| Price / sales | 1.09 | 1.01 | 0.91 | 1.13 | 1.22 | 1.34 | 1.30 | 1.32 | 1.56 | 1.56 |
| Price / book | 1.26 | 1.25 | 1.15 | 1.42 | 1.08 | 0.98 | 1.18 | 1.22 | 1.21 | 1.36 |
| Net margin | 9.5% | 6.4% | 3.0% | 1.4% | 12.8% | 10.2% | 12.9% | 1.5% | 14.5% | 7.4% |
| Free cash flow margin | 32.5% | 28.3% | 20.2% | 12.4% | 15.4% | 19.8% | 8.9% | 16.9% | 21.9% | 18.7% |
| Return on equity (ROE) | 10.9% | 8.0% | 3.8% | 1.8% | 11.4% | 7.4% | 11.8% | 1.4% | 11.3% | 6.5% |
| Return on assets (ROA) | 1.1% | 0.7% | 0.3% | 0.1% | 1.2% | 1.0% | 1.5% | 0.2% | 1.5% | 0.8% |
| Debt / equity | 0.40 | 0.42 | 0.46 | 0.45 | 0.34 | 0.24 | 0.28 | 0.23 | 0.20 | 0.19 |
| Revenue growth | 6.7% | 6.9% | 8.0% | 3.9% | 1.4% | -8.4% | 20.0% | 1.7% | 3.8% | 4.5% |
| EPS growth | 57.3% | 127.5% | 131.9% | -88.4% | 27.4% | -28.0% | 900.0% | -89.2% | 102.0% | -8.2% |