Financial Snapshot

Revenue
$1.593B
TTM
Gross Margin
51.5%
TTM
Net Earnings
$102.8M
TTM
Current Assets
Current Liabilities
Current Ratio
Total Assets
Q4 2024
Total Liabilities
Q4 2024
Book Value
$1.288B
Q4 2024
Cash
Q4 2024
P/E
16.23
Apr 15, 2025 EST
Free Cash Flow

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990
Revenue $1.595B $1.492B $1.383B $1.330B $1.310B $1.431B $1.192B $1.172B $1.129B $1.080B $1.061B $1.031B $1.011B $998.3M $950.9M $911.1M $898.7M $890.4M $875.0M $870.5M $866.2M $828.3M $821.3M $814.5M $791.1M $783.4M $769.5M $741.6M $701.3M $683.8M $657.7M $680.7M $676.6M $653.9M $633.1M
YoY Change 6.92% 7.88% 3.97% 1.5% -8.4% 20.05% 1.71% 3.78% 4.49% 1.86% 2.85% 2.02% 1.25% 4.98% 4.37% 1.38% 0.93% 1.76% 0.52% 0.5% 4.58% 0.85% 0.83% 2.96% 0.98% 1.81% 3.76% 5.75% 2.56% 3.97% -3.38% 0.61% 3.47% 3.29% 200.19%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990
Revenue $1.595B $1.492B $1.383B $1.330B $1.310B $1.431B $1.192B $1.172B $1.129B $1.080B $1.061B $1.031B $1.011B $998.3M $950.9M $911.1M $898.7M $890.4M $875.0M $870.5M $866.2M $828.3M $821.3M $814.5M $791.1M $783.4M $769.5M $741.6M $701.3M $683.8M $657.7M $680.7M $676.6M $653.9M $633.1M
Cost Of Revenue $745.0M $769.1M $761.6M $617.7M $568.9M $585.1M $637.6M $582.3M $541.0M $496.4M $468.4M $448.3M $448.3M $502.4M
Gross Profit $850.2M $722.8M $621.3M $712.4M $741.5M $845.4M $554.0M $589.2M $587.9M $584.1M $592.3M $583.0M $562.6M $495.9M
Gross Profit Margin 53.3% 48.45% 44.93% 53.56% 56.59% 59.1% 46.5% 50.3% 52.08% 54.06% 55.84% 56.53% 55.65% 49.67%

Selling, General & Admin Expense

No data

Research & Development

No data

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operating Profits/Loss YoY Change

Operating Earnings to Gross Profit Ratio

Operating Profit Margin

Operational Expenses

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $26.40M $14.80M $27.60M $18.40M $23.40M $15.60M $7.357M $6.615M $96.73M $98.92M $93.82M $84.64M $79.52M $200.0K $5.300M $5.400M $6.100M $5.100M $6.000M $5.000M $5.700M $5.800M $8.800M $200.0K $6.900M $10.70M $11.20M $11.70M $12.60M $13.20M $15.00M $15.60M $18.80M
YoY Change 78.38% -46.38% 50.0% -21.37% 50.0% 112.04% 11.22% -93.16% -2.21% 5.44% 10.84% 6.44% -96.23% -1.85% -11.48% 19.61% -15.0% 20.0% -12.28% -1.72% -34.09% 4300.0% -97.1% -35.51% -4.46% -4.27% -7.14% -4.55% -12.0% -3.85% -17.02% 241.82%
% of Gross Profit 3.11% 2.05% 4.44% 2.58% 3.16% 1.85% 1.33% 1.12% 16.45% 16.94% 15.84% 14.52% 14.14%
Operating Expenses $294.9M $1.409B $1.371B $1.141B $1.126B $234.6M $205.4M $187.8M $173.1M $157.4M $162.0M $160.1M $156.1M $148.6M $850.6M $819.9M $820.1M $755.9M $732.4M $777.3M $801.8M $828.6M $747.6M $759.6M $751.3M $670.7M $653.2M $617.9M $591.3M $576.0M $561.1M $584.9M $592.5M $567.8M $572.1M
YoY Change -79.07% 2.79% 20.09% 1.39% 379.78% 14.21% 9.39% 8.48% 9.97% -2.83% 1.17% 2.6% 4.99% -82.53% 3.74% -0.02% 8.49% 3.21% -5.78% -3.06% -3.23% 10.83% -1.58% 1.1% 12.02% 2.68% 5.71% 4.5% 2.66% 2.66% -4.07% -1.28% 4.35% -0.75% 191.59%
Operating Profit $555.3M -$686.1M -$749.3M -$428.9M -$384.1M $610.8M $348.6M $401.5M $414.8M $426.7M $430.3M $422.8M $406.5M $347.2M
YoY Change -180.94% -8.43% 74.7% 11.66% -162.89% 75.2% -13.16% -3.22% -2.78% -0.84% 1.76% 4.02% 17.07%
Operating Profit To Gross Profit 65.31% -94.92% -120.6% -60.2% -51.8% 72.25% 62.92% 68.13% 70.55% 73.05% 72.65% 72.53% 72.26% 70.03%
Operating Profit To Revenue 34.81% -45.99% -54.18% -32.25% -29.31% 42.7% 29.26% 34.27% 36.74% 39.49% 40.57% 41.0% 40.22% 34.78%

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

No data

Interest & Other Expense/Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990
Interest Expense $34.60M -$29.70M $19.40M $13.90M $15.20M $15.60M $13.00M $11.95M $11.81M $13.12M $14.20M $14.24M $14.25M $14.01M -$14.00M -$14.00M -$14.50M -$14.10M -$13.10M -$8.900M -$6.800M -$6.300M -$8.500M -$9.300M -$10.20M -$9.700M -$9.500M -$9.400M -$10.50M -$11.60M -$9.500M -$9.200M -$18.30M -$52.40M -$54.30M
YoY Change -216.5% -253.09% 39.57% -8.55% -2.56% 19.99% 8.81% 1.19% -10.01% -7.58% -0.27% -0.09% 1.73% -200.05% 0.0% -3.45% 2.84% 7.63% 47.19% 30.88% 7.94% -25.88% -8.6% -8.82% 5.15% 2.11% 1.06% -10.48% -9.48% 22.11% 3.26% -49.73% -65.08% -3.5% 182.81%
% of Operating Profit 6.23% 2.55% 3.73% 2.98% 2.85% 3.08% 3.3% 3.37% 3.51% 4.03%
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990
Pretax Income $128.6M $53.30M -$11.90M $174.9M $159.6M $236.4M $19.54M $88.69M $114.2M $129.5M $146.1M $154.1M $149.2M $94.92M $110.2M $103.5M $200.0K $117.1M $140.3M $94.00M $69.80M $19.20M $7.700M $28.30M $9.700M $93.40M $116.8M $119.6M $100.6M $103.6M $86.20M $113.5M $93.40M $36.90M $2.700M
YoY Change 141.28% -547.9% -106.8% 9.59% -32.49% 1110.01% -77.97% -22.36% -11.76% -11.4% -5.16% 3.28% 57.16% -13.87% 6.47% 51650.0% -99.83% -16.54% 49.26% 34.67% 263.54% 149.35% -72.79% 191.75% -89.61% -20.03% -2.34% 18.89% -2.9% 20.19% -24.05% 21.52% 153.12% 1266.67% -196.43%
Income Tax $25.80M $8.300M -$9.300M $32.10M $26.30M $52.00M $1.194M -$80.77M $30.47M $35.97M $41.87M $43.17M $45.31M $24.40M $30.00M $30.00M -$10.70M $34.30M $41.60M $16.80M $13.40M $200.0K -$3.700M $2.800M -$11.10M $48.80M $31.50M $32.60M $26.80M $28.50M $21.60M $36.30M $21.60M $12.10M $600.0K
% Of Pretax Income 20.06% 15.57% 18.35% 16.48% 22.0% 6.11% -91.08% 26.67% 27.79% 28.66% 28.02% 30.37% 25.71% 27.22% 28.99% -5350.0% 29.29% 29.65% 17.87% 19.2% 1.04% -48.05% 9.89% -114.43% 52.25% 26.97% 27.26% 26.64% 27.51% 25.06% 31.98% 23.13% 32.79% 22.22%
Net Earnings $102.8M $45.00M -$2.600M $142.8M $133.3M $184.4M $18.34M $169.5M $83.77M $93.48M $104.2M $110.9M $103.9M $70.51M $80.10M $73.50M $10.90M $82.80M $98.70M $77.30M $56.30M $19.00M $11.30M $25.60M $20.80M $44.50M $85.30M $83.60M $64.60M $73.90M $62.90M $77.20M $58.20M -$17.00M $2.100M
YoY Change 128.44% -1830.77% -101.82% 7.13% -27.71% 905.29% -89.18% 102.3% -10.39% -10.32% -6.0% 6.77% 47.32% -11.98% 8.98% 574.31% -86.84% -16.11% 27.68% 37.3% 196.32% 68.14% -55.86% 23.08% -53.26% -47.83% 2.03% 29.41% -12.58% 17.49% -18.52% 32.65% -442.35% -909.52% -172.41%
Net Earnings / Revenue 6.44% 3.02% -0.19% 10.74% 10.17% 12.89% 1.54% 14.46% 7.42% 8.65% 9.83% 10.75% 10.28% 7.06% 8.42% 8.07% 1.21% 9.3% 11.28% 8.88% 6.5% 2.29% 1.38% 3.14% 2.63% 5.68% 11.09% 11.27% 9.21% 10.81% 9.56% 11.34% 8.6% -2.6% 0.33%
Basic Earnings Per Share $2.49 $1.09 -$0.06 $3.40 $3.18 $4.42 $0.44 $4.10 $2.04 $2.23 $2.50 $2.75 $2.63 $1.77
Diluted Earnings Per Share $2.48 $1.09 -$0.06 $3.39 $3.17 $4.40 $0.44 $4.08 $2.02 $2.20 $2.47 $2.66 $2.51 $1.70 $1.954M $1.815M $268.5K $1.857M $2.155M $1.614M $1.190M $442.9K $274.3K $625.9K $507.3K $1.067M $1.947M $1.798M $1.357M $1.315M $979.8K $1.201M $1.005M -$536.3K $75.54K

Assets & Liabilities

Cash & Short-Term Investments

No data

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

No data

Short-Term Debt

Long Term Debt Due

No data

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $73.40M $68.60M $80.90M $75.00M $77.00M $77.00M $41.00M $39.00M $32.00M $26.00M $31.00M $35.00M $37.00M $40.00M $42.00M $46.00M $46.00M $38.00M $33.00M $23.00M $22.00M $26.00M $30.00M $30.00M $30.00M $30.00M $28.00M $25.00M $24.00M $24.00M
YoY Change 7.0% -15.2% 7.87% -2.6% 0.0% 87.8% 5.13% 21.88% 23.08% -16.13% -11.43% -5.41% -7.5% -4.76% -8.7% 0.0% 21.05% 15.15% 43.48% 4.55% -15.38% -13.33% 0.0% 0.0% 0.0% 7.14% 12.0% 4.17% 0.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments $6.916B $6.831B $6.588B $7.450B $7.262B $6.639B $8.251B $8.352B $7.999B $7.648B $7.403B $6.539B $6.292B $5.678B $5.074B $4.575B $3.902B $4.180B $4.302B $3.996B $3.657B $3.386B $3.131B $2.976B $2.912B $2.630B $2.841B $2.769B $2.784B $2.799B $2.533B $2.494B $2.360B $2.193B $2.062B
YoY Change 1.26% 3.69% -11.57% 2.58% 9.38% -19.54% -1.21% 4.41% 4.59% 3.31% 13.21% 3.93% 10.81% 11.9% 10.91% 17.25% -6.65% -2.84% 7.66% 9.27% 8.0% 8.14% 5.21% 2.2% 10.72% -7.43% 2.6% -0.54% -0.54% 10.5% 1.56% 5.68% 7.62% 6.35%
Other Assets $5.000M
YoY Change
Total Long-Term Assets
YoY Change
Total Assets $14.49B $14.05B $13.45B $14.38B $13.47B $12.48B $11.03B $11.20B $10.58B $10.06B $9.769B $8.827B $8.168B $7.435B $6.996B $6.343B $5.508B $6.259B $6.330B $5.841B $5.372B $4.953B $4.512B $4.489B $4.421B $4.254B $4.395B $4.132B $3.861B $3.662B $3.286B $3.148B $2.909B $2.712B $2.538B
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $12.20M $10.00M $14.00M $17.00M
YoY Change 22.0% -28.57% -17.65%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $38.00M $38.00M $38.00M $38.00M $38.00M $38.00M $38.00M $0.00 $0.00 $0.00 $25.00M $25.00M $0.00 $53.00M $49.00M $49.00M $50.00M $42.00M $34.00M $75.00M $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change -100.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% -100.0% 0.0% -100.0% 8.16% 0.0% -2.0% 19.05% 23.53% -54.67%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $12.20M $10.00M $14.00M $17.00M $38.00M $38.00M $38.00M $38.00M $38.00M $38.00M $38.00M $25.00M $25.00M $53.00M $49.00M $49.00M $50.00M $42.00M $34.00M $75.00M
YoY Change 22.0% -28.57% -17.65% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 8.16% 0.0% -2.0% 19.05% 23.53% -54.67%
Long-Term Debt $547.0M $546.0M $498.0M $502.6M $437.0M $433.0M $298.0M $297.0M $247.0M $247.0M $200.0M $200.0M $200.0M $200.0M $200.0M $200.0M $200.0M $199.0M $232.0M $191.0M $145.0M $145.0M $145.0M $100.0M $100.0M $100.0M $100.0M $100.0M $100.0M $100.0M $100.0M $112.0M $129.0M $144.0M $364.0M
YoY Change 0.18% 9.64% -0.92% 15.01% 0.92% 45.3% 0.34% 20.24% 0.0% 23.5% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.5% -14.22% 21.47% 31.72% 0.0% 0.0% 45.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% -10.71% -13.18% -10.42% -60.44%
Other Long-Term Liabilities $312.3M $287.1M $284.8M $418.2M $440.0M $367.0M $290.0M $341.0M $379.0M $369.0M $422.0M $366.0M $446.0M $353.0M $321.0M $248.0M $165.0M $283.0M $502.0M $417.0M $218.0M $217.0M $232.0M $270.0M $324.0M $111.0M $197.0M $127.0M $129.0M $134.0M $102.0M $84.00M $85.00M $87.00M $110.0M
YoY Change 8.78% 0.81% -31.9% -4.95% 19.89% 26.55% -14.96% -10.03% 2.71% -12.56% 15.3% -17.94% 26.35% 9.97% 29.44% 50.3% -41.7% -43.63% 20.38% 91.28% 0.46% -6.47% -14.07% -16.67% 191.89% -43.65% 55.12% -1.55% -3.73% 31.37% 21.43% -1.18% -2.3% -20.91%
Total Long-Term Liabilities $859.3M $833.1M $782.8M $920.8M $877.0M $800.0M $588.0M $638.0M $626.0M $616.0M $622.0M $566.0M $646.0M $553.0M $521.0M $448.0M $365.0M $482.0M $734.0M $608.0M $363.0M $362.0M $377.0M $370.0M $424.0M $211.0M $297.0M $227.0M $229.0M $234.0M $202.0M $196.0M $214.0M $231.0M $474.0M
YoY Change 3.14% 6.43% -14.99% 4.99% 9.63% 36.05% -7.84% 1.92% 1.62% -0.96% 9.89% -12.38% 16.82% 6.14% 16.29% 22.74% -24.27% -34.33% 20.72% 67.49% 0.28% -3.98% 1.89% -12.74% 100.95% -28.96% 30.84% -0.87% -2.14% 15.84% 3.06% -8.41% -7.36% -51.27%
Total Liabilities $13.20B $12.87B $12.36B $12.58B $11.68B $10.91B $9.741B $9.697B $9.283B $8.792B $8.432B $7.727B $6.922B $6.380B $6.116B $5.624B $5.059B $5.566B $5.673B $5.260B $4.796B $4.423B $3.983B $4.030B $3.993B $3.854B $3.899B $3.625B $3.376B $3.192B $2.873B $2.717B $2.552B $2.407B $2.464B
YoY Change 2.53% 4.18% -1.73% 7.66% 7.07% 12.01% 0.45% 4.46% 5.58% 4.27% 9.12% 11.63% 8.5% 4.32% 8.75% 11.17% -9.11% -1.89% 7.85% 9.67% 8.43% 11.05% -1.17% 0.93% 3.61% -1.15% 7.56% 7.38% 5.76% 11.1% 5.74% 6.47% 6.02% -2.31%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Return On Shareholders' Equity

Book Value

Free Cash Flow

No data

Free Cash Flow YoY

No data

Free Cash Flow Margin

No data

Dividends

Dividends

No data

Stock Price

Market Cap: $1.6689 Billion

About Horace Mann Educators Corp

Horace Mann Educators Corp. is an insurance holding company, which engages in the provision of insurance and retirement solutions to educators and school employees. The company is headquartered in Springfield, Illinois and currently employs 1,750 full-time employees. The firm's Property & Casualty segment's primary insurance products include private passenger auto insurance, residential home insurance, and personal umbrella insurance. Its Life & Retirement segment markets 403 (b) tax-qualified fixed, fixed indexed and variable annuities; the Horace Mann Retirement Advantage open architecture platform for 403 (b) (7) and other defined contribution plans; traditional term and whole life insurance products and indexed universal life (IUL) products. Its Supplemental & Group Benefits segment offers employer-sponsored products, including accident, critical illness, limited-benefit fixed indemnity insurance, term life, short-term disability and long-term disability, and worksite direct products, including supplemental heart, supplemental cancer, supplemental disability and supplemental accident coverage.

Industry: Fire, Marine & Casualty Insurance Peers: American International Group Inc Assurant Inc Atlantic American Corp Hartford Insurance Group Inc