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Asset Utilization RatioAssets AverageEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginFCF Payout RatioGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

Horace Mann Educators (HMN) Net Margin (2016 - 2026)

Horace Mann Educators filings provide 16 years of Net Margin readings, the most recent being 8.33% for Q4 2025.

  • On a quarterly basis, Net Margin fell 101.0% to 8.33% in Q4 2025 year-over-year; TTM through Dec 2025 was 9.53%, a 308.0% increase, with the full-year FY2025 number at 9.53%, up 308.0% from a year prior.
  • Net Margin hit 8.33% in Q4 2025 for Horace Mann Educators, down from 13.3% in the prior quarter.
  • In the past five years, Net Margin ranged from a high of 20.56% in Q4 2021 to a low of 4.82% in Q4 2022.
  • Median Net Margin over the past 5 years was 7.0% (2025), compared with a mean of 6.58%.
  • Biggest five-year swings in Net Margin: crashed -2538bps in 2022 and later surged 1462bps in 2023.
  • Horace Mann Educators' Net Margin stood at 20.56% in 2021, then tumbled by -123bps to 4.82% in 2022, then surged by 303bps to 9.8% in 2023, then decreased by -5bps to 9.34% in 2024, then decreased by -11bps to 8.33% in 2025.
  • The last three reported values for Net Margin were 8.33% (Q4 2025), 13.3% (Q3 2025), and 7.14% (Q2 2025) per Business Quant data.