Horace Mann Educators (HMN) FCF Margin (2010 - 2026)

Horace Mann Educators (HMN) reported FCF Margin of 14.28% for Q1 2026, down 1953.0% on a YoY basis from 0.77% in Q1 2025, and down 52.21% quarter-over-quarter from 29.88% in Q4 2025.

Horace Mann Educators (HMN) FCF Margin (2010 - 2026) Analysis & Trends

Horace Mann Educators has reported FCF Margin for 17 years, with the latest figure at 14.28% in Q1 2026.

  • For the quarter ending Q1 2026, FCF Margin fell 1953.0% year-over-year to 14.28%; the trailing twelve-month figure through Mar 2026 stood at 27.63% (down 426.0% YoY), and the FY2025 full-year result was 32.51%, up 417.0% from the prior year.
  • FCF Margin for Q1 2026 stood at 14.28%, down from 29.88% in the prior quarter.
  • The five-year high for FCF Margin was 47.31% in Q4 2024, with the low at 4.54% in Q2 2022.
  • Historically, FCF Margin has averaged 22.75% across 5 years, with a median of 24.41% in 2023.
  • Annual changes were most pronounced in 2023 — FCF Margin surged 2348 bps — and 2026, when it sank 1953 bps.
  • Horace Mann Educators' FCF Margin stood at 16.08% in 2022, then surged by 59 bps to 25.54% in 2023, then jumped by 85 bps to 47.31% in 2024, then tumbled by 37 bps to 29.88% in 2025, then slumped by 52 bps to 14.28% in 2026.
  • The last three FCF Margin figures came in at 14.28% (Q1 2026), 29.88% (Q4 2025), and 34.48% (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) FCF Margin (Qtr)
1 Chubb 127.40 Bn 119.98 Bn 8.64 Bn 26.72%
2 Progressive 119.47 Bn 115.12 Bn 8.36 Bn 19.40%
3 Travelers Companies 65.26 Bn 41.34 Bn 5.54 Bn 18.33%
4 Allstate 57.33 Bn 32.74 Bn 14.72 Bn 20.79%
5 Berkley W R 26.90 Bn 23.16 Bn 2.72 Bn 18.85%
6 Cincinnati Financial 25.67 Bn 24.41 Bn 2.60 Bn 25.12%
7 Markel 22.97 Bn 7.51 Bn 2.38 Bn -0.88%
8 Loews 22.18 Bn 9.92 Bn -1.32 Bn -15.38%
9 Assurant 12.79 Bn 10.87 Bn 2.01 Bn 6.92%
10 Horace Mann Educators 1.92 Bn 1.86 Bn 252.90 Mn 14.28%

Historic Data

Download Data
DateValue
Mar 31, 2026 14.28%
Dec 31, 2025 29.88%
Sep 30, 2025 34.48%
Jun 30, 2025 31.89%
Mar 31, 2025 33.81%
Dec 31, 2024 47.31%
Sep 30, 2024 34.92%
Jun 30, 2024 10.36%
Mar 31, 2024 19.30%
Dec 31, 2023 25.54%
Sep 30, 2023 11.96%
Jun 30, 2023 18.94%
Mar 31, 2023 24.41%
Dec 31, 2022 16.08%
Sep 30, 2022 10.45%
Jun 30, 2022 -4.54%
Mar 31, 2022 27.60%
Dec 31, 2021 8.09%
Sep 30, 2021 18.67%
Jun 30, 2021 -7.32%