Horace Mann Educators Corporation (HMN) Income Statement Analysis

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Complete financial analysis of Horace Mann Educators Corporation (HMN) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Horace Mann Educators Corporation, a leading company in the Insurance – Property & Casualty industry within the Financial Services sector.

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Horace Mann Educators Corporation (HMN)

Industry: Insurance - Property & Casualty

Sector: Financial Services

Website: https://www.horacemann.com

About Horace Mann Educators Corporation

Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. It operates in three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits. The company underwrites and markets personal lines of property and casualty insurance, including personal lines auto and property insurance products; supplemental insurance products, which include cancer, heart, hospital, supplemental disability, and accident coverages; retirement products, such as tax-qualified fixed and variable annuities; and life insurance products comprising whole life and term, as well as indexed universal life insurance products. It also offers student loan solutions, including online student loan management accounts for educators. The company markets its products through its sales force of full-time exclusive agents to K-12 teachers, administrators, and other employees of public schools and their families. Horace Mann Educators Corporation was founded in 1945 and is headquartered in Springfield, Illinois.

Metric	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	1.49B	1.38B	1.33B	1.31B	1.43B	1.19B	1.17B	1.13B	1.08B	1.06B	1.03B	1.01B	998.30M	974.80M	937.40M	834.82M	887.01M	873.81M	869.41M	878.35M	853.75M	771.87M	804.49M	781.20M	775.43M	779.44M	746.98M	703.76M	740.60M	711.90M	707.60M	704.30M	657.20M	629.00M
Cost of Revenue	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	223.00K	5.33M	6.08M	6.08M	5.14M	5.99M	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Gross Profit	1.49B	1.38B	1.33B	1.31B	1.43B	1.19B	1.17B	1.13B	1.08B	1.06B	1.03B	1.01B	998.30M	974.80M	937.18M	829.49M	880.93M	867.73M	864.27M	872.36M	853.75M	771.87M	804.49M	781.20M	775.43M	779.44M	746.98M	703.76M	740.60M	711.90M	707.60M	704.30M	657.20M	629.00M
Gross Profit Ratio	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	99.98%	99.36%	99.31%	99.30%	99.41%	99.32%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
General & Administrative	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	139.94M	142.85M	141.25M	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	348.30M
Selling & Marketing	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	64.00K	48.00K	-46.00K	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
SG&A	-1.11B	315.90M	251.50M	237.80M	234.60M	205.41M	187.79M	173.11M	157.41M	161.99M	160.11M	156.06M	140.00M	142.90M	141.20M	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	348.30M
Other Expenses	1.43B	251.50M	-1.18B	-1.18B	-1.21B	1.16B	1.07B	1.00B	936.00M	900.00M	863.00M	847.00M	749.06M	708.15M	678.75M	820.00M	756.00M	732.00M	777.00M	132.70M	-725.26M	-657.31M	-669.13M	-660.04M	-600.72M	-558.40M	-524.18M	-506.46M	-627.30M	-617.90M	-506.00M	-512.70M	-514.50M	-829.60M
Operating Expenses	318.10M	251.50M	-1.18B	-1.18B	-1.21B	1.16B	1.07B	1.00B	936.00M	900.00M	863.00M	847.00M	889.00M	851.00M	820.00M	820.00M	756.00M	732.00M	777.00M	132.70M	-725.26M	-657.31M	-669.13M	-660.04M	-600.72M	-558.40M	-524.18M	-506.46M	-627.30M	-617.90M	-506.00M	-512.70M	-514.50M	-481.30M
Cost & Expenses	1.43B	1.37B	1.16B	1.15B	1.19B	1.17B	1.08B	1.01B	950.90M	914.60M	877.10M	861.60M	903.40M	863.50M	833.90M	834.64M	769.93M	733.51M	775.37M	808.59M	834.57M	764.21M	776.15M	771.48M	682.07M	662.66M	627.34M	603.14M	54.10M	51.10M	123.90M	145.90M	147.50M	525.90M
Interest Income	0.00	19.40M	13.90M	15.20M	15.60M	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Interest Expense	29.70M	19.40M	13.90M	15.20M	15.60M	13.00M	11.90M	11.80M	13.10M	14.20M	14.20M	14.20M	14.00M	14.00M	14.00M	14.46M	141.31M	135.62M	124.74M	115.49M	109.31M	106.90M	105.75M	102.77M	101.35M	104.26M	106.64M	105.84M	11.60M	9.50M	88.10M	111.90M	147.50M	145.00M
Depreciation & Amortization	26.20M	27.60M	18.40M	23.42M	15.63M	7.36M	6.62M	6.90M	7.73M	-160.31M	-168.30M	-163.42M	8.58M	8.32M	200.00K	13.96M	12.78M	11.93M	10.24M	11.05M	11.08M	12.51M	8.30M	6.76M	-1.00M	5.30M	10.60M	13.10M	15.60M	19.70M	0.00	20.40M	0.00	0.00
EBITDA	109.20M	63.50M	242.40M	2.68B	1.23B	72.50M	107.25M	0.00	0.00	0.00	0.00	0.00	117.46M	133.56M	125.83M	28.59M	143.91M	165.36M	112.66M	87.62M	36.62M	28.73M	45.90M	127.93M	173.71M	226.34M	233.40M	23.60M	27.20M	29.20M	201.60M	212.00M	0.00	0.00
EBITDA Ratio	7.32%	2.54%	11.95%	11.42%	16.16%	2.73%	8.59%	11.16%	13.20%	15.11%	16.32%	16.17%	11.77%	13.70%	13.42%	3.42%	30.57%	32.94%	26.34%	22.35%	16.35%	16.46%	17.86%	16.38%	22.40%	29.04%	31.25%	29.90%	17.40%	15.97%	28.49%	30.10%	21.71%	23.48%
Operating Income	0.00	18.30M	145.90M	135.20M	222.30M	32.54M	100.64M	126.04M	142.57M	160.31M	168.30M	163.42M	108.89M	125.24M	795.96M	697.10M	738.65M	738.65M	732.97M	739.66M	128.49M	114.56M	135.36M	121.17M	174.71M	221.04M	222.80M	197.30M	113.30M	94.00M	201.60M	191.60M	142.70M	147.70M
Operating Income Ratio	0.00%	1.32%	10.97%	10.32%	15.54%	2.73%	8.59%	11.16%	13.20%	15.11%	16.32%	16.17%	10.91%	12.85%	84.91%	83.50%	83.27%	84.53%	84.31%	84.21%	15.05%	14.84%	16.83%	15.51%	22.53%	28.36%	29.83%	28.03%	15.30%	13.20%	28.49%	27.20%	21.71%	23.48%
Total Other Income/Expenses	53.30M	-1.05B	29.00M	-2.33B	-724.88M	-13.06M	-895.07M	-841.57M	-793.59M	-752.58M	-717.09M	-14.25M	-14.38M	-13.95M	-44.14M	-696.92M	-22.53M	-598.35M	-638.92M	-669.90M	19.20M	-106.90M	28.30M	9.72M	-81.35M	-104.26M	-103.16M	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income Before Tax	53.30M	16.50M	174.90M	159.60M	236.40M	19.50M	88.70M	114.20M	129.50M	146.10M	154.10M	149.20M	94.90M	111.30M	103.50M	178.00K	117.07M	140.29M	94.04M	69.76M	19.18M	7.67M	28.34M	9.72M	93.35M	116.78M	119.64M	100.62M	321.10M	279.10M	413.40M	414.10M	344.70M	333.10M
Income Before Tax Ratio	3.57%	1.19%	13.15%	12.18%	16.53%	1.64%	7.57%	10.12%	11.99%	13.77%	14.94%	14.76%	9.51%	11.42%	11.04%	0.02%	13.20%	16.06%	10.82%	7.94%	2.25%	0.99%	3.52%	1.24%	12.04%	14.98%	16.02%	14.30%	43.36%	39.20%	58.42%	58.80%	52.45%	52.96%
Income Tax Expense	8.30M	-3.30M	32.10M	26.30M	52.00M	1.20M	-80.70M	30.40M	36.00M	41.90M	43.20M	45.30M	24.40M	30.40M	30.00M	-10.74M	34.28M	41.59M	16.77M	13.44M	204.00K	-3.67M	4.02M	-2.44M	28.85M	31.47M	32.58M	26.82M	27.80M	21.60M	36.30M	21.60M	12.10M	600.00K
Net Income	45.00M	19.80M	170.40M	133.30M	184.40M	18.30M	169.40M	83.80M	93.50M	104.20M	110.90M	103.90M	70.50M	80.90M	73.50M	10.92M	82.79M	98.71M	77.27M	56.31M	18.98M	11.33M	25.59M	20.84M	44.51M	85.31M	83.58M	64.64M	73.90M	62.90M	77.20M	58.10M	-16.90M	2.10M
Net Income Ratio	3.02%	1.43%	12.81%	10.17%	12.89%	1.54%	14.46%	7.42%	8.65%	9.82%	10.75%	10.28%	7.06%	8.30%	7.84%	1.31%	9.33%	11.30%	8.89%	6.41%	2.22%	1.47%	3.18%	2.67%	5.74%	10.95%	11.19%	9.18%	9.98%	8.84%	10.91%	8.25%	-2.57%	0.33%
EPS	1.09	0.47	3.45	3.22	4.47	0.45	4.16	2.08	2.30	2.55	2.74	2.64	1.77	2.05	1.88	0.27	1.92	2.29	1.80	1.32	0.44	0.28	0.63	0.51	1.08	1.97	1.82	0.69	0.74	0.54	0.67	0.50	-0.26	0.23
EPS Diluted	1.09	0.47	3.39	3.22	4.40	0.44	4.08	2.02	2.20	2.47	2.66	2.51	1.70	1.97	1.81	0.27	1.86	2.19	1.67	1.25	0.44	0.28	0.63	0.51	1.07	1.95	1.80	0.68	0.70	0.52	0.64	0.50	-0.26	0.23
Weighted Avg Shares Out	41.30M	41.60M	42.00M	41.41M	41.24M	40.97M	40.72M	40.24M	40.57M	40.94M	40.51M	39.37M	39.90M	39.30M	39.20M	39.82M	43.15M	43.01M	42.91M	42.76M	43.18M	40.48M	40.63M	40.78M	41.25M	43.24M	45.83M	93.92M	46.78M	57.92M	57.92M	57.90M	63.77M	9.33M
Weighted Avg Shares Out (Dil)	41.40M	41.80M	42.20M	42.00M	41.90M	41.90M	41.60M	41.50M	42.40M	42.20M	41.60M	41.40M	41.40M	41.00M	40.50M	40.59M	44.61M	45.77M	47.88M	47.35M	43.18M	40.48M	40.63M	40.97M	41.71M	43.84M	46.52M	93.92M	46.78M	57.92M	57.92M	57.90M	63.77M	9.33M

Horace Mann declares quarterly dividend

December 4, 2024businesswire.com

SPRINGFIELD, Ill.--(BUSINESS WIRE)--Horace Mann Educators Corporation (NYSE:HMN) today announced that the Board of Directors declared a regular quarterly cash dividend of $0.34 per share payable on December 31, 2024, to shareholders of record as of December 16, 2024. About Horace...

Horace Mann Giving Thanks to Educators With ‘Our Gratitude, Your Gift' Campaign

November 26, 2024businesswire.com

SPRINGFIELD, Ill.--(BUSINESS WIRE)--Horace Mann Educators Corporation (NYSE:HMN) announced its $10,000 “Our Gratitude, Your Gift” campaign to express its thanks to educators who inspire, guide and dedicate their time to students throughout each school year and beyond. The company, which focuses...

Horace Mann Educators Corporation (HMN) Q3 2024 Earnings Call Transcript

November 5, 2024seekingalpha.com

Horace Mann Educators Corporation (NYSE:HMN ) Q3 2024 Earnings Conference Call November 5, 2024 1:00 PM ET Company Participants Brendan Dawal - Vice President, Investor Relations Marita Zuraitis - President and CEO Ryan Greenier - Executive Vice President and CFO...

Horace Mann (HMN) Q3 Earnings Match Estimates

November 4, 2024zacks.com

Horace Mann (HMN) came out with quarterly earnings of $0.76 per share, in line with the Zacks Consensus Estimate. This compares to earnings of $0.44 per share a year ago.

Horace Mann (HMN) Reports Next Week: Wall Street Expects Earnings Growth

October 28, 2024zacks.com

Horace Mann (HMN) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Should Value Investors Buy Horace Mann Educators (HMN) Stock?

October 25, 2024zacks.com

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong...

Horace Mann bolsters its financial wellness offerings for educators with new TransUnion partnership

October 16, 2024businesswire.com

SPRINGFIELD, Ill. & CHICAGO--(BUSINESS WIRE)--In its continued commitment to helping educators, Horace Mann Educators Corporation (NYSE:HMN), the largest financial services company focused on helping America's educators and others who serve the community achieve lifelong financial success, today announced a new...

Horace Mann to announce third-quarter 2024 financial results on November 4

October 15, 2024businesswire.com

SPRINGFIELD, Ill.--(BUSINESS WIRE)--Horace Mann Educators Corporation (NYSE:HMN) plans to release its third-quarter 2024 results on Monday, November 4, after the market closes. At that time, the third-quarter Quarterly Report on Form 10-Q, quarterly news release, investor supplement and investor presentation...

Alerus Financial Corporation Completes Acquisition of HMN Financial, Inc.

October 9, 2024businesswire.com

GRAND FORKS, N.D.--(BUSINESS WIRE)--Alerus Financial Corporation (Nasdaq: ALRS) and its wholly owned subsidiary, Alerus Financial, National Association, (together, “Alerus”) announced today they have completed the previously announced acquisition of HMN Financial, Inc. (Nasdaq: HMNF) and its wholly owned subsidiary, Home...