← HORACE MANN EDUCATORS CORP /DE/ HMN
Market Price
$52.48
Market Cap
$2.09B
P/E Ratio
13.46
Revenue (FY 2025)
↑6.7% YoY
$1.70B
3-Yr CAGR: 7.2%
Net Income
↑57.7% YoY
$162.10M
Net Margin: 9.5%
Free Cash Flow
↑22.4% YoY
$553.20M
FCF Yield: 26.46%
EPS (Diluted)
↑57.3% YoY
$3.90
Basic: $3.93
Return on Equity
Efficiency
10.9%
ROA: 114.6%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (HMN)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $1,128.9M | — | $576.1M | $83.8M | — | $2.02 | — | $207.4M | $207.4M | — |
| FY 2017 | $1,171.5M | +3.8% | $577.3M | $169.5M | +102.3% | $4.08 | +102.0% | $256.6M | $256.6M | +23.7% |
| FY 2018 | $1,191.6M | +1.7% | $541.0M | $18.3M | -89.2% | $0.44 | -89.2% | $200.9M | $200.9M | -21.7% |
| FY 2019 | $1,430.5M | +20.0% | $829.8M | $184.4M | +905.5% | $4.40 | +900.0% | $127.6M | $127.6M | -36.5% |
| FY 2020 | $1,310.4M | -8.4% | $726.3M | $133.3M | -27.7% | $3.17 | -28.0% | $259.8M | $259.8M | +103.6% |
| FY 2021 | $1,330.1M | +1.5% | $698.5M | $142.8M | +7.1% | $3.39 | +6.9% | $204.9M | $204.9M | -21.1% |
| FY 2022 | $1,382.9M | +4.0% | $601.9M | $-2.6M | -101.8% | $-0.06 | -101.8% | $171.5M | $171.5M | -16.3% |
| FY 2023 | $1,491.9M | +7.9% | $693.1M | $45.0M | +1,830.8% | $1.09 | +1,916.7% | $302.1M | $302.1M | +76.2% |
| FY 2024 | $1,595.2M | +6.9% | $1,487.8M | $102.8M | +128.4% | $2.48 | +127.5% | $452.1M | $452.1M | +49.7% |
| FY 2025 | $1,701.4M | +6.7% | $1,596.7M | $162.1M | +57.7% | $3.90 | +57.3% | $553.2M | $553.2M | +22.4% |
Valuation
Market Price
$52.48
Market Cap
$2.09B
Enterprise Value
$2.66B
P/E Ratio
13.46
P/B Ratio
1.43
FCF Yield
26.46%
Dividend Yield
2.67%
Shares Outstanding
Profitability & Margins
Gross Margin
93.85%
Operating Margin
11.83%
Net Margin
9.53%
Return on Equity (ROE)
10.93%
Return on Assets (ROA)
114.56%
Asset Turnover
12.02x
Revenue 3-Yr CAGR
7.15%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
0.400
Debt / Assets
4.194
Cash & Equivalents
$27.50M
Total Debt
$593.40M
Book Value / Share
$36.72
Cash Flow Efficiency
Operating Cash Flow
$553.20M
Capital Expenditures (CapEx)
N/A
Free Cash Flow
$553.20M
OCF / Revenue
32.51%
FCF / Revenue
32.51%
FCF 3-Yr CAGR
47.75%
Per Share Metrics
EPS (Diluted)
$3.90
EPS (Basic)
$3.93
Dividends / Share
$1.40
Book Value / Share
$36.72
EPS YoY Growth
57.26%
Balance Sheet (FY 2025)
Total Assets
$141.50M
Total Liabilities
$65.50M
Stockholders' Equity
$1.48B
Current Assets
N/A
Current Liabilities
N/A