Horace Mann Educators Corporation (HMN)

From the record

Horace Mann Educators Corporation's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

Horace Mann Educators Corporation's 10 filed years say what it did: revenue went from $1.1 billion in fiscal 2016 to $1.7 billion in fiscal 2025, up 4.7% a year; it rose in 8 of 9 years; the deepest fall was 8% from fiscal 2019 to fiscal 2020; net income was positive in 10 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Horace Mann Educators Corporation's diluted share count shrank about 0.2% a year, and dividends and buybacks returned about 13% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 27 sales (20 under scheduled 10b5-1 plans) and 2 purchases of their own stock on the open market in the year to 2026-11-10, buying about $157 thousand (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Horace Mann Educators Corporation earned about 11 cents of profit for every dollar of shareholders' money. Leverage: it owed about 90 cents per dollar of assets, and net share issuance: its share count grew 0.2% over the year (the filed statements).

From the record

Horace Mann Educators Corporation's standing among 60 graded names in its industry family: revenue of $1.7 billion in fiscal 2025 ranks in the top 47% by size; a net margin of 9.5% ranks in the bottom 38%; revenue growth of 7.2% a year over the last 3 filed years ranks in the bottom 31% (its annual reports).

From the record

Horace Mann Educators Corporation's leadership, from its insiders' filings and its current reports: the chief executive on the record is Zuraitis, Marita (President & CEO, as filed), filing under that title since 2014-03-07, 12.7 years (top 12% of its family); the 19 officers and directors filing in the last fifteen months have been on the record a median of 5.6 years (bottom 28%); 6 officer or director changes were reported on Form 8-K since 2023-11-13, against the 19 people in charge now (top 41%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Horace Mann Educators Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $28 million against debt of $593 million leaves -3.7% of its assets as net cash, bottom 23% of its family; cash from operations less capital spending is 32.5% of revenue (top 16%) (its annual report).

From the record

Horace Mann Educators Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew 7.2% a year over the last three filed years against 4.7% over all 10, speeding up (bottom 46% of its family); the newest year grew 6.7% (top 47%) (its annual reports). Horace Mann Educators Corporation tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Horace Mann Educators Corporation's newest year against its own record: revenue of $1.7 billion in fiscal 2025 came in 0.7% below the $1.7 billion its prior three years' pace pointed to (top 24% of its family); net income of $162 million against a prior three-year average of $56 million (top 26%); a net margin of 9.5% against 3.6% before (top 40%) (its annual reports).