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Horace Mann Educators (HMN) Financials

Horace Mann Educators logo
$43.30 -0.06 (-0.14%)
Closing price 05/29/2025 03:59 PM Eastern
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$43.33 +0.03 (+0.07%)
As of 05/29/2025 04:04 PM Eastern
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Annual Income Statements for Horace Mann Educators

Annual Income Statements for Horace Mann Educators

This table shows Horace Mann Educators' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Income / (Loss) Attributable to Common Shareholders		 103 45 20 170 133 -1,010 18 169 84 93 104
Consolidated Net Income / (Loss)		 103 45 20 170 133 184 18 169 84 93 104
Net Income / (Loss) Continuing Operations		 103 45 20 170 133 -1,010 18 169 84 93 104
Total Pre-Tax Income 		129 53 17 210 160 236 20 89 114 129 146
Total Revenue		 1,561 1,462 1,362 1,315 1,295 1,415 1,179 1,160 1,117 1,065 1,046
Net Interest Income / (Expense)		 -35 -30 -19 -14 -15 -16 -13 -12 -12 -13 -14
Total Interest Income		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Expense		 35 30 19 14 15 16 13 12 12 13 14
Long-Term Debt Interest Expense		 35 30 19 14 15 16 13 12 12 13 14
Total Non-Interest Income		 1,595 1,492 1,382 1,329 1,310 1,431 1,192 1,172 1,129 1,078 1,061
Other Service Charges		 21 14 9.50 29 24 14 10 6.62 4.46 3.26 4.19
Net Realized & Unrealized Capital Gains on Investments		 428 421 344 412 355 518 364 370 365 343 341
Premiums Earned		 1,146 1,057 1,028 889 931 898 817 795 759 732 716
Total Non-Interest Expense		 1,432 1,409 1,346 1,105 1,136 2,373 1,159 1,071 1,003 936 900
Property & Liability Insurance Claims		 961 975 920 751 774 798 844 781 733 679 645
Other Operating Expenses		 346 318 316 251 238 235 205 188 173 157 162
Amortization Expense		 126 116 105 104 114 118 110 102 97 99 94
Impairment Charge		 0.00 0.00 4.80 0.00 10 28 - - - - -
Income Tax Expense		 26 8.30 -3.30 40 26 52 1.19 -81 30 36 42
Basic Earnings per Share		 $2.49 $1.09 $0.48 $4.06 $3.18 $4.42 $0.44 $4.10 $2.04 $2.23 $2.50
Weighted Average Basic Shares Outstanding		 41.30M 41.30M 41.60M 42M 41.90M 41.70M 41.57M 41.36M 41.16M 41.92M 41.65M
Diluted Earnings per Share		 $2.48 $1.09 $0.47 $4.04 $3.17 $4.40 $0.44 $4.08 $2.02 $2.20 $2.47
Weighted Average Diluted Shares Outstanding		 41.50M 41.40M 41.80M 42.20M 42M 41.90M 41.89M 41.56M 41.48M 42.43M 42.23M
Weighted Average Basic & Diluted Shares Outstanding		 40.87M 40.88M 40.84M 41.35M 41.42M 41.27M 41.70M 41.30M 41.10M 41.90M 41.70M
Cash Dividends to Common per Share		 $1.36 $1.32 $1.28 $1.24 $1.20 $1.15 $1.14 $1.10 $1.06 $1.00 $0.92

Quarterly Income Statements for Horace Mann Educators

This table shows Horace Mann Educators' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 38 38 34 3.80 27 40 12 -13 6.60 -17 20
Consolidated Net Income / (Loss)		 38 38 34 3.80 27 40 12 -13 6.60 -17 20
Net Income / (Loss) Continuing Operations		 38 38 34 3.80 27 40 12 -13 6.60 -17 20
Total Pre-Tax Income 		48 48 43 4.60 33 47 14 -16 8.10 -26 23
Total Revenue		 408 401 403 379 377 394 371 350 347 341 337
Net Interest Income / (Expense)		 -8.90 -8.50 -8.70 -8.70 -8.70 -8.60 -7.50 -6.90 -6.70 -5.90 -5.30
Total Interest Income		 0.00 - 0.00 0.00 0.00 - 0.00 0.00 0.00 - 0.00
Total Interest Expense		 8.90 8.50 8.70 8.70 8.70 8.60 7.50 6.90 6.70 5.90 5.30
Long-Term Debt Interest Expense		 8.90 8.50 8.70 8.70 8.70 8.60 7.50 6.90 6.70 5.90 5.30
Total Non-Interest Income		 416 409 412 388 386 403 379 356 354 346 343
Other Service Charges		 5.50 6.70 6.20 4.70 3.20 5.70 2.20 4.60 1.50 -0.20 0.40
Net Realized & Unrealized Capital Gains on Investments		 113 102 117 103 108 123 111 91 97 88 85
Premiums Earned		 298 301 289 281 275 275 266 261 256 259 257
Total Non-Interest Expense		 360 352 361 375 344 347 358 365 339 366 314
Property & Liability Insurance Claims		 236 225 246 261 229 235 252 256 232 249 212
Other Operating Expenses		 91 95 83 83 85 83 76 80 80 86 76
Amortization Expense		 33 33 32 31 31 30 30 29 27 27 26
Income Tax Expense		 9.30 10 8.40 0.80 6.50 7.70 1.90 -2.80 1.50 -9.20 3.00
Basic Earnings per Share		 $0.93 $0.93 $0.83 $0.09 $0.64 $0.96 $0.28 ($0.31) $0.16 ($0.39) $0.49
Weighted Average Basic Shares Outstanding		 41.30M 41.30M 41.20M 41.40M 41.30M 41.30M 41.30M 41.30M 41.30M 41.60M 41.40M
Diluted Earnings per Share		 $0.92 $0.92 $0.83 $0.09 $0.64 $0.96 $0.28 ($0.31) $0.16 ($0.40) $0.49
Weighted Average Diluted Shares Outstanding		 41.60M 41.50M 41.40M 41.60M 41.50M 41.40M 41.40M 41.40M 41.40M 41.80M 41.60M
Weighted Average Basic & Diluted Shares Outstanding		 40.78M 40.87M 40.76M 40.77M 40.96M 40.88M 40.84M 40.84M 40.84M 40.84M 40.90M
Cash Dividends to Common per Share		 $0.35 - - - $0.34 - - - $0.33 - $0.32

Annual Cash Flow Statements for Horace Mann Educators

This table details how cash moves in and out of Horace Mann Educators' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Net Change in Cash & Equivalents		 8.40 -13 -91 111 -3.20 14 4.28 -9.04 1.16 3.83 -6.51
Net Cash From Operating Activities		 452 302 172 205 260 128 201 257 211 208 222
Net Cash From Continuing Operating Activities		 452 302 172 205 260 128 201 257 211 208 222
Net Income / (Loss) Continuing Operations		 103 45 20 170 133 184 0.00 0.00 0.00 0.00 0.00
Consolidated Net Income / (Loss)		 103 45 20 170 133 184 - - - - -
Depreciation Expense		 26 26 28 18 23 16 7.36 6.62 - - -
Non-Cash Adjustments to Reconcile Net Income		 55 18 99 -19 24 -121 22 175 211 208 222
Changes in Operating Assets and Liabilities, net		 268 213 26 35 79 48 181 89 - - -
Net Cash From Investing Activities		 -136 -107 -215 -302 -407 56 -186 -229 -325 -416 -566
Net Cash From Continuing Investing Activities		 -136 -107 -215 -302 -407 56 -186 -229 -325 -416 -566
Purchase of Investment Securities		 -1,192 -837 -1,542 -1,845 -1,564 -1,675 -1,592 -1,730 -1,696 -1,582 -1,325
Sale and/or Maturity of Investments		 1,056 730 1,327 1,543 1,157 1,730 1,406 1,502 1,371 1,166 760
Net Cash From Financing Activities		 -308 -208 -48 209 144 -170 -10 -37 115 212 337
Net Cash From Continuing Financing Activities		 -308 -208 -48 208 144 -170 -10 -37 115 212 337
Net Change in Deposits		 -162 -115 -67 -39 -21 -150 0.00 - - - -
Issuance of Debt		 15 298 0.00 119 4.00 135 22 50 11 250 0.00
Repayment of Debt		 -270 -511 -144 -416 7.30 -330 0.00 -4.75 - -240 -1.16
Repurchase of Common Equity		 -8.60 -6.50 -24 -5.30 -2.20 0.00 -5.09 -1.66 -22 -22 -5.41
Payment of Dividends		 -56 -54 -53 -51 -50 -47 -47 -46 -44 -43 -39
Other Financing Activities, Net		 174 181 240 601 206 222 20 -34 170 267 383

Quarterly Cash Flow Statements for Horace Mann Educators

This table details how cash moves in and out of Horace Mann Educators' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -7.80 -1.70 25 -5.80 -9.30 -4.80 11 -4.30 -15 6.60 -14
Net Cash From Operating Activities		 141 194 144 40 75 103 45 68 86 56 36
Net Cash From Continuing Operating Activities		 141 194 144 40 75 103 45 68 86 56 36
Net Income / (Loss) Continuing Operations		 38 38 34 3.80 27 40 12 -13 6.60 -17 20
Consolidated Net Income / (Loss)		 38 38 34 3.80 27 40 12 -13 6.60 -17 20
Depreciation Expense		 7.00 7.00 6.40 6.40 6.60 6.70 6.60 6.30 6.60 6.90 13
Non-Cash Adjustments to Reconcile Net Income		 11 47 -14 13 9.50 -27 5.90 18 22 42 23
Changes in Operating Assets and Liabilities, net		 85 102 117 17 32 84 21 57 52 24 -20
Net Cash From Investing Activities		 -35 -4.40 -44 -28 -60 -22 -41 51 -95 81 0.20
Net Cash From Continuing Investing Activities		 -35 -4.40 -44 -28 -60 -22 -41 51 -95 81 0.20
Purchase of Investment Securities		 -283 -344 -270 -288 -290 -164 -270 -168 -235 -235 -256
Sale and/or Maturity of Investments		 248 339 226 260 230 143 229 218 140 316 256
Net Cash From Financing Activities		 -114 -191 -75 -18 -24 -86 7.10 -123 -6.50 -130 -50
Net Cash From Continuing Financing Activities		 -114 -191 -75 -18 -24 -86 7.10 -123 -6.50 -130 -50
Net Change in Deposits		 -37 -127 -5.20 19 -49 -36 -26 -29 -24 -35 -8.00
Issuance of Debt		 -6.70 -33 44 -48 51 68 300 -63 -6.70 -99 92
Repayment of Debt		 -287 -100 -15 -105 -50 -173 -254 - -85 -45 -84
Repurchase of Common Equity		 -0.20 - -4.10 -4.50 0.00 - -1.00 -1.10 -4.40 - -10
Payment of Dividends		 -14 -14 -14 -14 -14 -14 -13 -14 -14 -13 -13
Other Financing Activities, Net		 232 83 -80 134 38 69 0.60 -16 127 61 -27

Annual Balance Sheets for Horace Mann Educators

This table presents Horace Mann Educators' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Total Assets		 14,488 14,050 13,306 14,384 13,472 12,479 11,032 11,198 10,577 10,057 9,769
Cash and Due from Banks		 38 30 43 - 22 26 12 7.63 17 16 12
Trading Account Securities		 5,454 5,322 5,285 6,387 6,467 5,894 7,922 8,105 7,999 7,648 7,403
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Deferred Acquisition Cost		 347 336 331 248 230 277 299 258 268 253 215
Separate Account Business Assets		 3,709 3,294 2,792 - 2,891 2,490 2,001 2,152 1,924 1,801 1,814
Goodwill		 54 54 54 44 44 49 47 47 47 47 47
Intangible Assets		 156 170 185 145 159 177 0.00 - - - -
Other Assets		 4,729 4,844 4,616 288 3,659 3,566 751 628 322 292 277
Total Liabilities & Shareholders' Equity		 14,488 14,050 13,306 14,384 13,472 12,479 11,032 11,198 10,577 10,057 9,769
Total Liabilities		 13,200 12,875 12,208 931 11,682 10,911 9,741 9,697 9,283 8,792 8,432
Long-Term Debt		 547 546 249 254 302 298 298 297 247 247 200
Claims and Claim Expense		 569 582 564 - 439 443 397 348 330 324 326
Future Policy Benefits		 1,623 1,762 1,718 - 6,445 6,234 5,711 5,574 5,448 5,127 4,802
Unearned Premiums Liability		 344 301 266 - 265 279 276 261 246 233 223
Participating Policy Holder Equity		 6,096 6,103 6,070 - 751 647 768 724 709 693 607
Separate Account Business Liabilities		 3,709 3,294 2,792 - 2,891 2,490 2,001 2,152 1,924 1,801 1,814
Other Long-Term Liabilities		 312 287 300 428 453 384 290 341 379 369 422
Total Equity & Noncontrolling Interests		 1,288 1,175 1,098 2,301 1,790 1,567 1,291 1,502 1,294 1,265 1,336
Total Preferred & Common Equity		 1,288 1,175 1,098 1,807 1,790 1,567 1,291 1,502 1,294 1,265 1,336
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,288 1,175 1,098 2,301 1,790 1,567 1,291 1,502 1,294 1,265 1,336
Common Stock		 525 511 503 495 489 481 475 464 454 443 422
Retained Earnings		 1,548 1,502 1,512 1,525 1,435 1,353 1,217 1,231 1,156 1,116 1,065
Treasury Stock		 -533 -524 -517 - -488 -486 -486 -481 -479 -458 -436
Accumulated Other Comprehensive Income / (Loss)		 -364 -336 -458 281 355 220 85 287 164 163 285
Other Equity Adjustments		 111 22 59 - - - - - - - -

Quarterly Balance Sheets for Horace Mann Educators

This table presents Horace Mann Educators' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 3/31/2025 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 14,396 14,714 14,282 14,236 13,413 13,672 13,654 13,314
Cash and Due from Banks		 30 40 15 20 35 23 - 36
Trading Account Securities		 5,522 5,662 5,428 5,427 5,039 5,298 99 5,386
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Deferred Acquisition Cost		 349 345 342 337 335 333 332 440
Separate Account Business Assets		 3,568 3,733 3,545 3,517 2,974 3,099 - 2,600
Goodwill		 54 54 54 54 54 54 54 56
Intangible Assets		 152 159 163 167 174 178 182 192
Other Assets		 4,720 4,720 4,736 4,713 4,802 4,688 3,897 4,604
Total Liabilities & Shareholders' Equity		 14,396 14,714 14,282 14,236 13,413 13,672 13,654 13,314
Total Liabilities		 13,053 13,427 13,073 13,025 12,361 12,570 2,864 12,238
Long-Term Debt		 547 547 547 546 546 249 249 249
Claims and Claim Expense		 577 597 597 584 587 598 - 482
Future Policy Benefits		 1,636 1,746 1,655 1,702 1,613 1,741 1,772 7,068
Unearned Premiums Liability		 337 345 320 300 296 273 263 267
Participating Policy Holder Equity		 6,085 6,095 6,070 6,079 6,120 6,107 - 1,001
Separate Account Business Liabilities		 3,568 3,733 3,545 3,517 2,974 3,099 - 2,600
Other Long-Term Liabilities		 303 365 341 297 225 256 330 323
Total Equity & Noncontrolling Interests		 1,343 1,287 1,209 1,211 1,051 1,102 1,643 1,077
Total Preferred & Common Equity		 1,343 1,287 1,209 1,211 1,051 1,102 1,139 1,077
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,343 1,287 1,209 1,211 1,051 1,102 1,643 1,077
Common Stock		 526 518 516 513 509 506 503 501
Retained Earnings		 1,572 1,524 1,504 1,514 1,477 1,479 1,505 1,500
Treasury Stock		 -533 -533 -528 -524 -524 -523 - -517
Accumulated Other Comprehensive Income / (Loss)		 -322 -245 -378 -356 -544 -403 -365 -407
Other Equity Adjustments		 99 22 95 63 134 43 - -

Annual Metrics And Ratios for Horace Mann Educators

This table displays calculated financial ratios and metrics derived from Horace Mann Educators' official financial filings.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015 12/31/2014
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 6.73% 7.34% 3.56% 1.56% -8.46% 20.05% 1.64% 3.80% 4.89% 1.77% 2.90%
EBITDA Growth		 94.97% 80.27% -80.70% 24.86% 119.42% -5,708.07% -79.49% -61.17% -7.62% -4.82% 0.51%
EBIT Growth		 141.28% 223.03% -92.15% 31.64% 116.66% -5,001.98% -77.97% -22.36% -11.76% -11.40% -5.16%
NOPAT Growth		 128.44% 127.27% -88.38% 27.83% -27.71% 905.29% -89.18% 102.30% -10.39% -10.32% -6.00%
Net Income Growth		 128.44% 127.27% -88.38% 27.83% -27.71% 905.29% -89.18% 102.30% -10.39% -10.32% -6.00%
EPS Growth		 127.52% 131.91% -88.37% 27.44% -27.95% 900.00% -89.22% 101.98% -8.18% -10.93% -7.14%
Operating Cash Flow Growth		 49.65% 76.15% -16.30% -21.13% 103.61% -36.48% -21.71% 21.36% 1.79% -6.41% 7.77%
Free Cash Flow Firm Growth		 87.00% -100.65% 207.11% -12,223.17% 58.80% -199.36% 359.18% -263.05% -65.31% 217.50% -151.68%
Invested Capital Growth		 6.58% 7.83% -88.56% 526.55% 11.35% 25.94% -11.71% 16.73% 1.96% -3.99% 17.74%
Revenue Q/Q Growth		 0.40% 3.82% 0.99% -1.53% 2.22% 0.00% 0.00% 1.76% 0.87% 0.44% 0.96%
EBITDA Q/Q Growth		 0.91% 1,104.55% -89.58% 439.52% 117.78% -639.78% -84.39% -54.05% -1.25% -5.17% -1.31%
EBIT Q/Q Growth		 0.86% 369.19% -95.89% 333.70% 115.16% 0.00% 0.00% 9.83% -0.67% -9.88% -4.15%
NOPAT Q/Q Growth		 -1.25% 424.68% -81.07% 13.52% 12.53% 40.56% -88.81% 164.97% -1.43% -8.81% -3.89%
Net Income Q/Q Growth		 -1.25% 501.79% -81.07% 13.52% 12.53% 0.00% 0.00% 164.97% -1.43% -8.81% -3.89%
EPS Q/Q Growth		 -1.59% 503.70% -81.05% 13.48% 12.01% 40.58% -88.83% 166.67% -0.98% -9.47% -3.14%
Operating Cash Flow Q/Q Growth		 25.06% 18.52% 20.27% 20.46% 38.07% -33.07% -15.19% -9.59% 14.02% -14.66% 0.58%
Free Cash Flow Firm Q/Q Growth		 92.13% -117.63% 1,631.11% -9,892.76% -309.53% 18.26% 14.64% -175.33% 188.74% 86.89% -46.74%
Invested Capital Q/Q Growth		 0.04% 7.76% 1.38% 538.70% 3.46% -0.56% -0.85% 9.84% -8.87% -2.17% 3.15%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 9.93% 5.44% 3.24% 17.37% 14.13% -66.58% 1.43% 7.06% 18.88% 21.44% 22.93%
EBIT Margin		 8.24% 3.65% 1.21% 15.97% 12.32% -67.69% 1.66% 7.65% 10.23% 12.16% 13.96%
Profit (Net Income) Margin		 6.59% 3.08% 1.45% 12.95% 10.29% 13.03% 1.56% 14.61% 7.50% 8.78% 9.96%
Tax Burden Percent		 79.94% 84.43% 120.00% 81.10% 83.52% 78.00% 93.89% 191.08% 73.33% 72.21% 71.34%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% -24.68% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 20.06% 15.57% -20.00% 18.90% 16.48% 22.00% 6.11% -91.08% 26.67% 27.79% 28.66%
Return on Invested Capital (ROIC)		 5.78% 2.71% 0.25% 2.11% 6.31% 10.28% 1.08% 10.15% 5.49% 6.06% 7.16%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.78% 2.71% 0.25% 2.11% 6.31% 10.28% 1.08% 10.15% 5.49% 6.06% 7.16%
Return on Net Nonoperating Assets (RNNOA)		 2.57% 1.25% 0.91% 6.22% 1.63% 2.63% 0.23% 1.98% 1.06% 1.13% 1.40%
Return on Equity (ROE)		 8.35% 3.96% 1.17% 8.33% 7.94% 12.90% 1.31% 12.12% 6.55% 7.19% 8.56%
Cash Return on Invested Capital (CROIC)		 -0.59% -4.82% 159.20% -142.84% -4.44% -12.69% 13.53% -5.29% 3.55% 10.13% -9.13%
Operating Return on Assets (OROA)		 0.90% 0.39% 0.12% 1.51% 1.23% -8.15% 0.18% 0.81% 1.11% 1.31% 1.57%
Return on Assets (ROA)		 0.72% 0.33% 0.14% 1.22% 1.03% 1.57% 0.17% 1.56% 0.81% 0.94% 1.12%
Return on Common Equity (ROCE)		 8.35% 3.96% 1.17% 8.33% 7.94% 12.90% 1.31% 12.12% 6.55% 7.19% 8.56%
Return on Equity Simple (ROE_SIMPLE)		 7.98% 3.83% 1.80% 9.43% 7.45% 11.77% 1.42% 11.29% 6.47% 7.39% 7.80%
Net Operating Profit after Tax (NOPAT)		 103 45 20 170 133 184 18 169 84 93 104
NOPAT Margin		 6.59% 3.08% 1.45% 12.95% 10.29% 13.03% 1.56% 14.61% 7.50% 8.78% 9.96%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 91.76% 96.35% 98.79% 84.03% 87.68% 167.69% 98.34% 92.35% 89.77% 87.84% 86.04%
Earnings before Interest and Taxes (EBIT)		 129 53 17 210 160 -958 20 89 114 129 146
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 155 80 44 229 183 -942 17 82 211 228 240
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.24 1.09 1.28 0.63 0.86 0.98 0.99 0.97 1.05 0.82 0.77
Price to Tangible Book Value (P/TBV)		 1.48 1.35 1.64 0.69 0.97 1.15 1.02 1.00 1.09 0.85 0.80
Price to Revenue (P/Rev)		 1.02 0.88 1.04 1.11 1.18 1.09 1.08 1.25 1.21 0.97 0.99
Price to Earnings (P/E)		 15.55 28.57 71.27 8.56 11.50 0.00 69.42 8.56 16.17 11.03 9.89
Dividend Yield		 3.47% 4.19% 3.71% 3.53% 3.24% 3.09% 3.67% 3.08% 3.15% 3.95% 3.74%
Earnings Yield		 6.43% 3.50% 1.40% 11.68% 8.69% 0.00% 1.44% 11.68% 6.19% 9.06% 10.11%
Enterprise Value to Invested Capital (EV/IC)		 1.15 1.05 1.17 0.14 0.87 0.97 0.98 0.97 1.03 0.84 0.80
Enterprise Value to Revenue (EV/Rev)		 1.35 1.23 1.37 1.49 1.50 1.37 1.32 1.50 1.42 1.19 1.20
Enterprise Value to EBITDA (EV/EBITDA)		 13.60 22.66 42.32 8.58 10.65 0.00 92.81 21.24 7.51 5.53 5.24
Enterprise Value to EBIT (EV/EBIT)		 16.39 33.80 113.11 9.34 12.21 0.00 79.81 19.62 13.87 9.76 8.60
Enterprise Value to NOPAT (EV/NOPAT)		 20.50 40.04 94.26 11.51 14.62 10.54 85.00 10.27 18.92 13.51 12.06
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.66 5.96 10.88 9.57 7.50 15.23 7.76 6.78 7.50 6.08 5.66
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.15 0.00 0.00 0.00 6.81 0.00 29.23 8.08 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.42 0.46 0.45 0.22 0.24 0.28 0.23 0.20 0.19 0.20 0.18
Long-Term Debt to Equity		 0.42 0.46 0.23 0.11 0.17 0.19 0.23 0.20 0.19 0.20 0.15
Financial Leverage		 0.44 0.46 3.58 2.96 0.26 0.26 0.21 0.19 0.19 0.19 0.20
Leverage Ratio		 11.59 12.03 8.15 6.81 7.73 8.23 7.96 7.79 8.06 7.62 7.63
Compound Leverage Factor		 11.59 12.03 8.15 6.81 7.73 -2.03 7.96 7.79 8.06 7.62 7.63
Debt to Total Capital		 29.82% 31.72% 31.20% 17.93% 19.63% 21.65% 18.75% 16.53% 16.04% 16.34% 15.11%
Short-Term Debt to Total Capital		 0.00% 0.00% 15.60% 8.88% 6.06% 6.75% 0.00% 0.00% 0.00% 0.00% 2.41%
Long-Term Debt to Total Capital		 29.82% 31.72% 15.60% 9.05% 13.57% 14.90% 18.75% 16.53% 16.04% 16.34% 12.70%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 70.18% 68.28% 68.80% 82.07% 80.37% 78.35% 81.25% 83.47% 83.96% 83.66% 84.89%
Debt to EBITDA		 3.53 6.87 11.29 2.20 2.39 -0.46 17.72 3.63 1.17 1.08 0.99
Net Debt to EBITDA		 3.28 6.49 10.32 2.20 2.27 -0.43 17.01 3.54 1.09 1.01 0.94
Long-Term Debt to EBITDA		 3.53 6.87 5.65 1.11 1.65 -0.32 17.72 3.63 1.17 1.08 0.83
Debt to NOPAT		 5.32 12.13 25.15 2.95 3.28 2.35 16.23 1.76 2.95 2.64 2.28
Net Debt to NOPAT		 4.95 11.47 22.99 2.95 3.11 2.21 15.58 1.71 2.75 2.48 2.17
Long-Term Debt to NOPAT		 5.32 12.13 12.58 1.49 2.27 1.62 16.23 1.76 2.95 2.64 1.92
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -10 -80 12,379 -11,558 -94 -228 229 -88 54 156 -133
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -0.30 -2.69 638.10 -831.50 -6.17 -14.59 17.62 -7.40 4.59 11.91 -9.37
Operating Cash Flow to Interest Expense		 13.07 10.17 8.84 14.74 17.09 8.18 15.45 21.48 17.91 15.83 15.63
Operating Cash Flow Less CapEx to Interest Expense		 13.07 10.17 8.84 14.74 17.09 8.18 15.45 21.48 17.91 15.83 15.63
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.11 0.11 0.10 0.09 0.10 0.12 0.11 0.11 0.11 0.11 0.11
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,835 1,721 1,596 13,956 2,227 2,000 1,588 1,799 1,541 1,512 1,574
Invested Capital Turnover		 0.88 0.88 0.18 0.16 0.61 0.79 0.70 0.69 0.73 0.69 0.72
Increase / (Decrease) in Invested Capital		 113 125 -12,359 11,728 227 412 -211 258 30 -63 237
Enterprise Value (EV)		 2,108 1,802 1,866 1,961 1,948 1,943 1,559 1,740 1,585 1,263 1,257
Market Capitalization		 1,599 1,285 1,411 1,459 1,533 1,536 1,273 1,450 1,354 1,031 1,031
Book Value per Share		 $31.59 $28.78 $26.85 $55.46 $43.23 $38.02 $31.52 $36.92 $32.18 $31.07 $31.89
Tangible Book Value per Share		 $26.43 $23.28 $21.00 $50.90 $38.35 $32.53 $30.36 $35.76 $31.00 $29.91 $30.75
Total Capital		 1,835 1,721 1,596 2,803 2,227 2,000 1,588 1,799 1,541 1,512 1,574
Total Debt		 547 546 498 503 437 433 298 297 247 247 238
Total Long-Term Debt		 547 546 249 254 302 298 298 297 247 247 200
Net Debt		 509 516 455 503 415 408 286 290 231 231 226
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 547 546 498 11,655 437 433 298 297 247 247 238
Total Depreciation and Amortization (D&A)		 26 26 28 18 23 16 -2.74 -6.77 97 99 94
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.49 $1.09 ($0.06) $3.40 $3.18 $4.42 $0.44 $4.10 $2.04 $2.23 $2.50
Adjusted Weighted Average Basic Shares Outstanding		 41.30M 41.30M 41.60M 42M 41.88M 41.74M 41.57M 41.37M 41.16M 41.91M 41.65M
Adjusted Diluted Earnings per Share		 $2.48 $1.09 ($0.06) $3.39 $3.17 $4.40 $0.44 $4.08 $2.02 $2.20 $2.47
Adjusted Weighted Average Diluted Shares Outstanding		 41.50M 41.40M 41.80M 42.20M 42.04M 41.95M 41.89M 41.57M 41.48M 42.42M 42.23M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 40.87M 40.88M 40.84M 41.35M 41.42M 41.27M 40.99M 40.78M 40.34M 40.39M 41.09M
Normalized Net Operating Profit after Tax (NOPAT)		 103 45 15 170 142 206 18 62 84 93 104
Normalized NOPAT Margin		 6.59% 3.08% 1.09% 12.95% 10.94% 14.58% 1.56% 5.35% 7.50% 8.78% 9.96%
Pre Tax Income Margin		 8.24% 3.65% 1.21% 15.97% 12.32% 16.71% 1.66% 7.65% 10.23% 12.16% 13.96%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 3.72 1.79 0.85 15.12 10.50 -61.39 1.50 7.42 9.67 9.87 10.29
NOPAT to Interest Expense		 2.97 1.52 1.02 12.26 8.77 11.82 1.41 14.18 7.09 7.12 7.34
EBIT Less CapEx to Interest Expense		 3.72 1.79 0.85 15.12 10.50 -61.39 1.50 7.42 9.67 9.87 10.29
NOPAT Less CapEx to Interest Expense		 2.97 1.52 1.02 12.26 8.77 11.82 1.41 14.18 7.09 7.12 7.34
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 53.99% 119.78% 265.66% 30.16% 37.21% 25.65% 254.53% 27.21% 52.90% 45.49% 37.64%
Augmented Payout Ratio		 62.35% 134.22% 386.87% 33.27% 38.86% 25.65% 282.27% 28.19% 78.58% 68.97% 42.83%

Quarterly Metrics And Ratios for Horace Mann Educators

This table displays calculated financial ratios and metrics derived from Horace Mann Educators' official financial filings.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 8.00% 1.57% 8.67% 8.56% 8.67% 15.80% 10.05% 2.31% 1.28% 4.10% 3.40%
EBITDA Growth		 37.63% 2.60% 143.07% 218.28% 169.39% 383.68% -44.20% -389.47% -48.96% -105.27% 47.15%
EBIT Growth		 43.94% 2.33% 213.97% 129.49% 307.41% 282.24% -41.88% -160.00% -67.60% -107.22% 23.16%
NOPAT Growth		 44.15% -3.29% 193.16% 134.80% 301.52% 317.87% -42.65% -160.00% -67.49% -126.62% 25.15%
Net Income Growth		 44.15% -3.29% 193.16% 129.69% 301.52% 336.53% -42.65% -204.76% -67.49% -124.52% 25.15%
EPS Growth		 43.75% -4.17% 196.43% 129.03% 300.00% 340.00% -42.86% -210.00% -66.67% -124.84% 25.64%
Operating Cash Flow Growth		 88.99% 88.05% 217.66% -40.44% -13.77% 84.74% 26.54% 529.94% -9.72% 107.84% -41.79%
Free Cash Flow Firm Growth		 -100.99% 12.28% -1,703.57% -203.08% 203.41% -100.69% -101.78% -68.59% -8,418.90% 205.84% 4,099.37%
Invested Capital Growth		 7.53% 6.58% 14.79% 9.71% -84.43% 7.83% 1.45% -8.98% 453.49% -88.56% -27.94%
Revenue Q/Q Growth		 1.75% -0.72% 6.33% 0.56% -4.31% 6.22% 6.21% 0.66% 1.97% 0.95% -1.26%
EBITDA Q/Q Growth		 -1.45% 12.63% 346.36% -72.22% -26.53% 166.83% 317.20% -163.27% 177.37% -152.49% 2,005.26%
EBIT Q/Q Growth		 -1.66% 13.11% 828.26% -86.06% -30.08% 247.06% 187.18% -292.59% 131.27% -210.68% 490.00%
NOPAT Q/Q Growth		 0.00% 11.37% 802.63% -85.66% -32.91% 237.61% 207.14% -265.45% 136.40% -188.87% 585.71%
Net Income Q/Q Growth		 0.00% 11.37% 802.63% -85.66% -32.91% 237.61% 191.41% -293.94% 139.52% -181.86% 585.71%
EPS Q/Q Growth		 0.00% 10.84% 822.22% -85.94% -33.33% 242.86% 190.32% -293.75% 140.00% -181.63% 590.00%
Operating Cash Flow Q/Q Growth		 -27.24% 34.47% 257.96% -46.04% -27.60% 127.15% -32.89% -21.88% 55.12% 55.59% 328.03%
Free Cash Flow Firm Q/Q Growth		 -25.60% 62.87% -33.33% -101.59% 11,278.13% -663.39% -107.62% 101.59% -174.89% 1,856.14% 34.81%
Invested Capital Q/Q Growth		 3.03% 0.04% 4.47% -0.13% 2.11% 7.76% -0.16% -85.83% 607.16% 1.38% -10.43%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 13.37% 13.81% 12.17% 2.90% 10.50% 13.67% 5.44% -2.66% 4.23% -5.58% 10.73%
EBIT Margin		 11.66% 12.06% 10.59% 1.21% 8.75% 11.97% 3.66% -4.46% 2.33% -7.61% 6.94%
Profit (Net Income) Margin		 9.37% 9.54% 8.50% 1.00% 7.02% 10.02% 3.15% -3.66% 1.90% -4.90% 6.05%
Tax Burden Percent		 80.42% 79.09% 80.33% 82.61% 80.30% 83.69% 86.03% 82.05% 81.48% 64.48% 87.18%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 19.58% 20.91% 19.67% 17.39% 19.70% 16.31% 13.97% 0.00% 18.52% 0.00% 12.82%
Return on Invested Capital (ROIC)		 8.18% 8.37% 7.70% 0.91% 1.61% 8.83% 2.80% -2.56% 0.39% -0.93% 4.34%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.18% 8.37% 7.70% 0.91% 1.61% 8.83% 2.80% -2.94% 0.39% -0.91% 4.34%
Return on Net Nonoperating Assets (RNNOA)		 3.50% 3.72% 3.60% 0.41% 5.74% 4.05% 1.37% -1.24% 1.24% -3.25% 1.34%
Return on Equity (ROE)		 11.68% 12.09% 11.30% 1.32% 7.34% 12.89% 4.17% -3.80% 1.63% -4.18% 5.68%
Cash Return on Invested Capital (CROIC)		 -0.98% -0.59% -7.71% -4.40% 147.11% -4.82% -2.32% 8.99% -138.79% 159.20% 38.04%
Operating Return on Assets (OROA)		 1.30% 1.32% 1.17% 0.13% 0.94% 1.28% 0.39% -0.45% 0.23% -0.75% 0.68%
Return on Assets (ROA)		 1.04% 1.04% 0.94% 0.11% 0.75% 1.07% 0.33% -0.37% 0.19% -0.48% 0.59%
Return on Common Equity (ROCE)		 11.68% 12.09% 11.30% 1.32% 7.34% 12.89% 4.17% -3.80% 1.63% -4.18% 5.68%
Return on Equity Simple (ROE_SIMPLE)		 8.53% 0.00% 8.09% 6.74% 5.36% 0.00% -1.07% -0.23% 0.54% 0.00% 9.72%
Net Operating Profit after Tax (NOPAT)		 38 38 34 3.80 27 40 12 -11 6.60 -18 20
NOPAT Margin		 9.37% 9.54% 8.50% 1.00% 7.02% 10.02% 3.15% -3.12% 1.90% -5.32% 6.05%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.38% 0.00% -0.02% 0.00%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 88.34% 87.94% 89.42% 98.79% 91.25% 88.03% 96.34% 104.46% 97.67% 107.61% 93.06%
Earnings before Interest and Taxes (EBIT)		 48 48 43 4.60 33 47 14 -16 8.10 -26 23
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 55 55 49 11 40 54 20 -9.30 15 -19 36
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.30 1.24 1.11 1.11 1.23 1.09 1.10 1.06 0.79 1.28 1.25
Price to Tangible Book Value (P/TBV)		 1.54 1.48 1.33 1.35 1.51 1.35 1.40 1.34 0.92 1.64 1.62
Price to Revenue (P/Rev)		 1.10 1.02 0.92 0.88 1.00 0.88 0.82 0.85 0.95 1.04 1.00
Price to Earnings (P/E)		 15.25 15.55 13.69 16.40 23.04 28.57 0.00 0.00 212.80 71.27 3.56
Dividend Yield		 3.21% 3.47% 3.86% 4.11% 3.63% 4.19% 4.64% 4.57% 4.06% 3.71% 3.86%
Earnings Yield		 6.56% 6.43% 7.31% 6.10% 4.34% 3.50% 0.00% 0.00% 0.47% 1.40% 28.13%
Enterprise Value to Invested Capital (EV/IC)		 1.20 1.15 1.05 1.06 1.15 1.05 1.04 1.02 0.16 1.17 1.15
Enterprise Value to Revenue (EV/Rev)		 1.42 1.35 1.24 1.23 1.35 1.23 1.18 1.19 1.31 1.37 1.34
Enterprise Value to EBITDA (EV/EBITDA)		 13.32 13.60 12.58 14.98 19.36 22.66 252.24 72.46 59.87 42.32 4.27
Enterprise Value to EBIT (EV/EBIT)		 15.82 16.39 15.15 18.99 25.85 33.80 0.00 0.00 0.00 113.11 4.51
Enterprise Value to NOPAT (EV/NOPAT)		 19.77 20.50 18.56 22.92 31.14 40.04 0.00 0.00 0.00 94.26 17.28
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.37 4.66 5.34 7.11 6.96 5.96 6.53 6.67 11.07 10.88 12.67
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.21 0.00 0.00 10.85 0.00 0.15 2.53
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.41 0.42 0.42 0.45 0.45 0.46 0.52 0.45 0.30 0.45 0.46
Long-Term Debt to Equity		 0.41 0.42 0.42 0.45 0.45 0.46 0.52 0.23 0.15 0.23 0.23
Financial Leverage		 0.43 0.44 0.47 0.45 3.57 0.46 0.49 0.42 3.19 3.58 0.31
Leverage Ratio		 11.21 11.59 12.03 12.10 9.77 12.03 12.56 11.61 8.83 8.15 9.60
Compound Leverage Factor		 11.21 11.59 12.03 12.10 9.77 12.03 12.56 11.61 8.83 8.15 9.60
Debt to Total Capital		 28.95% 29.82% 29.81% 31.13% 31.08% 31.72% 34.19% 31.13% 23.26% 31.20% 31.62%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 15.56% 11.63% 15.60% 15.81%
Long-Term Debt to Total Capital		 28.95% 29.82% 29.81% 31.13% 31.08% 31.72% 34.19% 15.57% 11.63% 15.60% 15.81%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 71.05% 70.18% 70.19% 68.87% 68.92% 68.28% 65.81% 68.87% 76.74% 68.80% 68.38%
Debt to EBITDA		 3.22 3.53 3.56 4.38 5.23 6.87 82.74 22.04 16.60 11.29 1.18
Net Debt to EBITDA		 3.04 3.28 3.30 4.27 5.04 6.49 77.52 21.02 16.60 10.32 1.09
Long-Term Debt to EBITDA		 3.22 3.53 3.56 4.38 5.23 6.87 82.74 11.02 8.30 5.65 0.59
Debt to NOPAT		 4.78 5.32 5.25 6.71 8.42 12.13 -39.40 -71.16 -1,778.57 25.15 4.76
Net Debt to NOPAT		 4.51 4.95 4.87 6.53 8.10 11.47 -36.91 -67.86 -1,778.57 22.99 4.41
Long-Term Debt to NOPAT		 4.78 5.32 5.25 6.71 8.42 12.13 -39.40 -35.59 -889.29 12.58 2.38
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -94 -75 -202 -152 9,557 -86 -11 147 -9,242 12,341 631
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -10.58 -8.82 -23.22 -17.41 1,098.54 -9.94 -1.49 21.30 -1,379.45 2,091.74 119.04
Operating Cash Flow to Interest Expense		 15.82 22.76 16.54 4.62 8.56 11.97 6.04 9.78 12.90 9.44 6.75
Operating Cash Flow Less CapEx to Interest Expense		 15.82 22.76 16.54 4.62 8.56 11.97 6.04 9.78 12.90 9.44 6.75
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.11 0.11 0.11 0.11 0.11 0.11 0.11 0.10 0.10 0.10 0.10
Fixed Asset Turnover		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,890 1,835 1,834 1,755 1,758 1,721 1,597 1,600 11,288 1,596 1,575
Invested Capital Turnover		 0.87 0.88 0.91 0.91 0.23 0.88 0.89 0.82 0.21 0.18 0.72
Increase / (Decrease) in Invested Capital		 132 113 236 155 -9,531 125 23 -158 9,249 -12,359 -611
Enterprise Value (EV)		 2,263 2,108 1,932 1,868 2,021 1,802 1,665 1,638 1,796 1,866 1,807
Market Capitalization		 1,746 1,599 1,425 1,336 1,495 1,285 1,153 1,163 1,298 1,411 1,345
Book Value per Share		 $32.85 $31.59 $31.57 $29.51 $29.33 $28.78 $25.74 $26.98 $40.24 $26.85 $26.32
Tangible Book Value per Share		 $27.80 $26.43 $26.33 $24.20 $23.98 $23.28 $20.15 $21.30 $34.46 $21.00 $20.25
Total Capital		 1,890 1,835 1,834 1,755 1,758 1,721 1,597 1,600 2,141 1,596 1,575
Total Debt		 547 547 547 547 546 546 546 498 498 498 498
Total Long-Term Debt		 547 547 547 547 546 546 546 249 249 249 249
Net Debt		 517 509 507 532 526 516 512 475 498 455 462
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.88 0.00 -1.43 0.00
Net Nonoperating Obligations (NNO)		 547 547 547 547 546 546 546 498 9,645 498 498
Total Depreciation and Amortization (D&A)		 7.00 7.00 6.40 6.40 6.60 6.70 6.60 6.30 6.60 6.90 13
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.93 $0.93 $0.83 $0.09 $0.64 $0.96 $0.28 ($0.31) $0.16 ($0.39) $0.33
Adjusted Weighted Average Basic Shares Outstanding		 41.30M 41.30M 41.20M 41.40M 41.30M 41.30M 41.30M 41.30M 41.30M 41.60M 41.40M
Adjusted Diluted Earnings per Share		 $0.92 $0.92 $0.83 $0.09 $0.64 $0.96 $0.28 ($0.31) $0.16 ($0.40) $0.33
Adjusted Weighted Average Diluted Shares Outstanding		 41.60M 41.50M 41.40M 41.60M 41.50M 41.40M 41.40M 41.40M 41.40M 41.80M 41.60M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 40.78M 40.87M 40.76M 40.77M 40.96M 40.88M 40.84M 40.84M 40.84M 40.84M 40.90M
Normalized Net Operating Profit after Tax (NOPAT)		 38 38 34 3.80 27 40 12 -11 6.60 -18 20
Normalized NOPAT Margin		 9.37% 9.54% 8.50% 1.00% 7.02% 10.02% 3.15% -3.12% 1.90% -5.32% 6.05%
Pre Tax Income Margin		 11.66% 12.06% 10.59% 1.21% 8.75% 11.97% 3.66% -4.46% 2.33% -7.61% 6.94%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 5.34 5.68 4.91 0.53 3.79 5.49 1.81 -2.26 1.21 -4.39 4.42
NOPAT to Interest Expense		 4.29 4.49 3.94 0.44 3.05 4.59 1.56 -1.58 0.99 -3.07 3.85
EBIT Less CapEx to Interest Expense		 5.34 5.68 4.91 0.53 3.79 5.49 1.81 -2.26 1.21 -4.39 4.42
NOPAT Less CapEx to Interest Expense		 4.29 4.49 3.94 0.44 3.05 4.59 1.56 -1.58 0.99 -3.07 3.85
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 48.82% 53.99% 53.03% 67.12% 83.67% 119.78% -477.68% -2,128.00% 867.21% 265.66% 50.00%
Augmented Payout Ratio		 56.51% 62.35% 61.29% 73.87% 86.90% 134.22% -535.71% -2,748.00% 1,296.72% 386.87% 76.39%

Frequently Asked Questions About Horace Mann Educators' Financials

When does Horace Mann Educators's fiscal year end?

According to the most recent income statement we have on file, Horace Mann Educators' financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Horace Mann Educators' net income changed over the last 10 years?

Horace Mann Educators' net income appears to be on a downward trend, with a most recent value of $102.80 million in 2024, falling from $104.24 million in 2014. The previous period was $45 million in 2023. Find out what analysts predict for Horace Mann Educators in the coming months.

How has Horace Mann Educators revenue changed over the last 10 years?

Over the last 10 years, Horace Mann Educators' total revenue changed from $1.05 billion in 2014 to $1.56 billion in 2024, a change of 49.1%.

How much debt does Horace Mann Educators have?

Horace Mann Educators' total liabilities were at $13.20 billion at the end of 2024, a 2.5% increase from 2023, and a 56.5% increase since 2014.

How much cash does Horace Mann Educators have?

In the past 10 years, Horace Mann Educators' cash and equivalents has ranged from $0.00 in 2021 to $42.80 million in 2022, and is currently $38.10 million as of their latest financial filing in 2024.

How has Horace Mann Educators' book value per share changed over the last 10 years?

Over the last 10 years, Horace Mann Educators' book value per share changed from 31.89 in 2014 to 31.59 in 2024, a change of -0.9%.


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This page (NYSE:HMN) was last updated on 5/30/2025 by MarketBeat.com Staff
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