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STOCKS

Horace Mann Educators Corp. (HMN)

NYSE:HMN

HMN

Horace Mann Educators

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Horace Mann Educators (HMN) Ratios

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Horace Mann Educators Ratios

HMN's free cash flow for Q4 2025 was $1.00. For the 2025 fiscal year, HMN's free cash flow was decreased by $ and operating cash flow was $0.00. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.00	0.00	0.00	0.00	0.00
Quick Ratio	0.00	0.00	0.00	0.00	0.00
Cash Ratio	0.00	0.00	0.00	0.00	0.00
Solvency Ratio	0.01	0.01	<0.01	<0.01	<0.01
Operating Cash Flow Ratio	0.00	0.00	0.00	0.00	0.00
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.69
Net Current Asset Value	$ -13.78B	$ -13.78B	$ -12.26B	$ -12.87B	$ -12.21B
Leverage Ratios
Debt-to-Assets Ratio	0.04	0.04	0.04	0.04	0.04
Debt-to-Equity Ratio	0.40	0.40	0.42	0.46	0.45
Debt-to-Capital Ratio	0.29	0.29	0.30	0.32	0.31
Long-Term Debt-to-Capital Ratio	0.29	0.29	0.30	0.32	0.18
Financial Leverage Ratio	10.30	10.30	11.25	11.95	12.12
Debt Service Coverage Ratio	4.48	-1.07	4.73	3.40	0.25
Interest Coverage Ratio	13.32	36.04	3.72	1.79	0.85
Debt to Market Cap	0.35	0.31	0.34	0.40	0.32
Interest Debt Per Share	15.14	15.15	14.08	13.94	12.44
Net Debt to EBITDA	2.80	0.00	2.71	4.73	7.18
Profitability Margins
Gross Profit Margin	51.94%	100.00%	30.86%	24.90%	24.79%
EBIT Margin	11.07%	0.00%	10.53%	5.79%	2.68%
EBITDA Margin	12.31%	0.00%	12.23%	7.62%	4.73%
Operating Profit Margin	29.50%	77.11%	8.29%	3.72%	1.23%
Pretax Profit Margin	12.24%	11.83%	8.29%	3.72%	1.23%
Net Profit Margin	9.86%	9.53%	6.63%	3.14%	1.48%
Continuous Operations Profit Margin	9.86%	9.53%	6.63%	3.14%	1.48%
Net Income Per EBT	80.57%	80.57%	79.94%	84.43%	120.00%
EBT Per EBIT	41.50%	15.34%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.06%	1.06%	0.71%	0.32%	0.15%
Return on Equity (ROE)	11.52%	10.93%	7.98%	3.83%	1.80%
Return on Capital Employed (ROCE)	3.18%	8.59%	0.89%	0.38%	0.12%
Return on Invested Capital (ROIC)	2.56%	6.92%	0.71%	0.00%	6.63%
Return on Tangible Assets	1.10%	1.10%	0.72%	0.33%	0.15%
Earnings Yield	9.32%	8.45%	6.34%	3.33%	1.27%
Efficiency Ratios
Receivables Turnover	3.92	4.06	3.65	2.98	2.87
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	0.00	0.00	21.12	20.89	19.35
Asset Turnover	0.11	0.11	0.11	0.10	0.10
Working Capital Turnover Ratio	0.00	3.63	3.31	0.00	0.41
Cash Conversion Cycle	93.05	89.89	100.01	122.41	127.37
Days of Sales Outstanding	93.05	89.89	100.01	122.41	127.37
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	93.05	89.89	100.01	122.41	127.37
Cash Flow Ratios
Operating Cash Flow Per Share	13.30	2.36	10.95	7.31	4.12
Free Cash Flow Per Share	13.30	2.36	10.95	7.31	4.12
CapEx Per Share	0.00	0.00	0.00	0.00	0.00
Free Cash Flow to Operating Cash Flow	1.00	1.00	1.00	1.00	1.00
Dividend Paid and CapEx Coverage Ratio	9.69	1.72	8.15	5.60	3.26
Capital Expenditure Coverage Ratio	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow Coverage Ratio	0.93	0.17	0.83	0.55	0.34
Operating Cash Flow to Sales Ratio	0.34	0.06	0.29	0.21	0.13
Free Cash Flow Yield	32.54%	5.11%	27.90%	22.37%	11.03%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.69	11.84	15.76	30.01	78.51
Price-to-Sales (P/S) Ratio	1.03	1.13	1.05	0.94	1.16
Price-to-Book (P/B) Ratio	1.17	1.29	1.26	1.15	1.42
Price-to-Free Cash Flow (P/FCF) Ratio	3.06	19.59	3.58	4.47	9.06
Price-to-Operating Cash Flow Ratio	3.13	19.59	3.58	4.47	9.06
Price-to-Earnings Growth (PEG) Ratio	-8.51	0.20	0.12	0.24	-0.91
Price-to-Fair Value	1.17	1.29	1.26	1.15	1.42
Enterprise Value Multiple	11.18	0.00	11.26	17.10	31.66
Enterprise Value	2.27B	2.49B	2.13B	1.87B	2.01B
EV to EBITDA	11.21	0.00	11.26	17.10	31.66
EV to Sales	1.38	1.46	1.38	1.30	1.50
EV to Free Cash Flow	4.10	25.37	4.72	6.18	11.72
EV to Operating Cash Flow	4.10	25.37	4.72	6.18	11.72
Tangible Book Value Per Share	22.32	22.34	26.09	23.02	20.64
Shareholders’ Equity Per Share	35.63	35.67	31.17	28.46	26.40
Tax and Other Ratios
Effective Tax Rate	0.19	0.19	0.20	0.16	-0.20
Revenue Per Share	39.50	40.93	37.54	34.69	32.24
Net Income Per Share	3.90	3.90	2.49	1.09	0.48
Tax Burden	0.81	0.81	0.80	0.84	1.20
Interest Burden	1.11	0.00	0.79	0.64	0.46
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	0.00	0.00	0.00	0.00
Stock-Based Compensation to Revenue	0.00	0.00	<0.01	<0.01	<0.01
Income Quality	3.41	0.60	4.40	6.71	8.66

Currency in USD