HORACE MANN EDUCATORS CORP /DE/ (HMN) FY2025 10-K Annual Report
HORACE MANN EDUCATORS CORP /DE/ (HMN) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 27, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
HORACE MANN EDUCATORS CORP /DE/ FY2025 10-K Analysis
Business Overview
- • Core business model: Insurance and financial services focused on Property & Casualty, Life & Retirement, Supplemental & Group Benefits for educators
- • New emphasis on growth initiatives, including 37.5% increase in Supplemental & Group Benefits sales to $35.2 million in 2025
Management Discussion & Analysis
- • Operating cash flow $553.2M, up 22.4% YoY from $452.1M in 2024
- • Total capital $2,076.1M with long-term debt $593.4M; debt 28.6% of capital (26.6% excluding unrealized losses)
Risk Factors
- • AI regulatory risk from evolving AI laws increasing compliance costs and exposure
- • Competitive threat from AI use by new entrants reducing operating costs and accelerating market entry
HORACE MANN EDUCATORS CORP /DE/ FY2025 Key Financial MetricsXBRL
Revenue
$1.7B
▲ +6.7% YoY
Net Income
$162M
▲ +57.7% YoY
Net Margin
9.5%
▲ +308bp YoY
ROE
10.9%
▲ +295bp YoY
Total Assets
$15.3B
▲ +5.4% YoY
EPS (Diluted)
$3.90
▲ +57.3% YoY
Operating Cash Flow
$553M
▲ +22.4% YoY
Source: XBRL data from HORACE MANN EDUCATORS CORP /DE/ FY2025 10-K filing on SEC EDGAR. All figures in USD.
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