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| Date | Value |
|---|---|
| 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% |