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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) Operating Margin (2016 - 2026)

Horace Mann Educators filings provide 16 years of Operating Margin readings, the most recent being 27.14% for Q4 2025.

  • On a quarterly basis, Operating Margin fell 193.0% to 27.14% in Q4 2025 year-over-year; TTM through Dec 2025 was 20.18%, a 776.0% decrease, with the full-year FY2025 number at 27.29%, down 65.0% from a year prior.
  • Operating Margin hit 27.14% in Q4 2025 for Horace Mann Educators, roughly flat from 27.27% in the prior quarter.
  • In the past five years, Operating Margin ranged from a high of 34.45% in Q4 2021 to a low of 2.48% in Q2 2025.
  • Median Operating Margin over the past 5 years was 28.71% (2022), compared with a mean of 27.7%.
  • Biggest five-year swings in Operating Margin: skyrocketed 595bps in 2021 and later plummeted -3041bps in 2025.
  • Horace Mann Educators' Operating Margin stood at 34.45% in 2021, then dropped by -16bps to 28.93% in 2022, then rose by 0bps to 29.04% in 2023, then increased by 0bps to 29.07% in 2024, then dropped by -7bps to 27.14% in 2025.
  • The last three reported values for Operating Margin were 27.14% (Q4 2025), 27.27% (Q3 2025), and 2.48% (Q2 2025) per Business Quant data.