NYSE · FIRE, MARINE & CASUALTY INSURANCE · LARGE CAP
Horace Mann Educators Corporation HMN
17 fiscal years on record · USD · FY2025 reported
SEC FILINGS ONLY10 YEARS OF DIVIDEND GROWTH
Revenue · FY2025
$1.7B
▲ 6.7% vs FY2024
Dividend streak
10 yrs
Raised every year since 2016
EPS · FY25
$3.90
Dividend / sh · FY25
$1.40
Payout · FY25
35%
ROE · FY25
11.7%
Net margin · FY25
9.5%
Dividend coverage
2.8×
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Result
USD 1.7B
Revenue, FY2025 · full 17-year series below
Revenue
Net income
10 cents of every revenue dollar became profit this year.
Per share
USD 3.90
Diluted EPS, FY2025
EPS
Dividend
Earnings covered the dividend 2.8 times — the rest stayed in the company.
Profitability
11.7%
Return on equity, FY2025
ROE
Operating margin11.8%
Net margin9.5%
Return on assets1.1%
Each USD of equity produced 12 cents of profit this year.
Returned to shareholders
USD 57.1M
returned in FY2025 · dividends + net buybacks
Dividends paidUSD 57.1M
Net buybacks—
Share of profit35.2%
Consecutive raises10 years
USD 57.1M in dividends — 35% of the year's profit went back to shareholders.
Growth
+5.4% a year
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
Revenue
+7.2%
+5.4%
+4.6%
+3.8%
Net income
+101.5%
+4.0%
+5.7%
+4.8%
EPS, diluted
+102.5%
+4.2%
+5.9%
Dividend / share
+3.0%
+3.1%
+3.4%
Returned to shareholders
+2.8%
+2.9%
+3.0%
+9.7%
Compound annual rates per period — left blank where the series crosses a loss.
Share base
—
Shares outstanding, FY2025
Change, 5 years—
Change, 10 years—
A share split breaks the comparison across the period, so we leave it out.
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Balance sheet
USD 15.3B
total assets, end of FY2025
Total assetsUSD 15.3B
EquityUSD 1.5B
CashUSD 27.5M
Gross debtUSD 593.4M
Net debtUSD 565.9M
Net debt stands at 38% of equity.
History
17 fiscal years
Every figure from documents filed with the SEC · USD
Metric
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
Revenue $B
1.7
1.6
1.5
1.4
1.3
1.3
1.4
1.2
1.2
1.1
1.1
1.1
1.0
1.0
1.0
1.0
0.9
Operating income $B
0.2
0.1
0.1
0.0
0.2
0.2
0.2
0.0
0.1
0.1
0.1
0.1
0.2
0.1
0.1
·
·
EBITDA $B
0.2
0.2
0.1
0.0
0.2
0.2
0.3
0.0
0.1
0.1
0.1
0.2
0.2
0.2
0.1
·
·
Income tax $B
0.0
0.0
0.0
−0.0
0.0
0.0
0.1
0.0
−0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Net income $B
0.2
0.1
0.0
0.0
0.2
0.1
0.2
0.0
0.2
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
EPS, diluted $
3.90
2.48
1.09
0.47
4.04
3.17
4.40
0.44
4.08
2.02
2.20
2.47
2.66
2.51
1.70
1.95
1.81
Dividend / sh $
1.40
1.36
1.32
1.28
1.24
1.20
1.15
1.14
1.10
1.06
1.00
0.92
0.78
0.55
0.46
0.35
0.24
Payout %
35
54
120
266
30
37
26
255
27
53
45
38
29
22
27
18
13
ROE %
11.7
8.3
4.0
1.5
10.4
7.9
12.9
1.3
12.1
6.5
7.2
8.6
9.5
9.0
7.4
10.2
10.2
Shares out B
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
Slide the table for earlier years · "·" marks figures not disclosed in the filing for that year.
How we verifyAUDITED
33 of 33
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity
Every figure was compared against the original statement: 0 failures and 0 presentation gaps.
What we don’t show
We’d rather say what’s missing than fill the gap with an estimate.
P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed