HMN - NYSE
Horace Mann Educators Corporation
$45.30
-0.24%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.
At a Glance
Live SnapshotHorace Mann Educators Corporation Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Moderate conversion rate. Some gap between earnings and cash flow may warrant investigation into working capital or non-cash items.
FCF Growth Trend
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Solid cash generation: Positive free cash flow with reasonable earnings quality provides financial flexibility for growth investments, debt reduction, or shareholder returns.
Horace Mann Educators Corporation Cash Flow Statement
HMN • NYSE
| Horace Mann Educators Corporation Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
162.1M | 102.8M | 45M | 19.8M | 170.4M | 133.3M | 184.4M | 18.3M | 169.5M | 83.8M | 93.5M | 104.2M | 110.9M | 103.9M | 70.5M | 80.9M | 73.5M | 10.9M | 82.8M | 98.7M | |
0.0 | 26.4M | 26.2M | 27.6M | 18.4M | 23.4M | 15.6M | 7.4M | 6.6M | 6.9M | 0.0 | 8M | 7.7M | 7.9M | 8.6M | 8.3M | 8.4M | 14M | 12.8M | 11.9M | |
0.0 | 9.9M | 9.5M | 8.9M | 8.4M | 6.7M | 7.3M | 8.3M | 8.6M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
-413.7M | 51.4M | 9.5M | 79.5M | -30.5M | 18.9M | -121.5M | 4.2M | -5.2M | -4.1M | 439.1M | -10.9M | -22.2M | 96.7M | -61.5M | -23.8M | -26.3M | 63.9M | -1.1M | -73.9M | |
(34.7M) | (22.1M) | (14M) | (8.6M) | (23.7M) | (17.3M) | (22.9M) | (8.7M) | (16.3M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (25M) | (6.6M) | (0.0) | (0.0) | (0.0) | |
349.6M | 261.6M | 211.9M | 35.7M | 38.2M | 77.5M | 41.7M | 162.6M | 77.1M | 120.9M | -324.9M | 120.6M | 109.6M | -5.6M | 98.3M | 92.3M | 123.4M | 74.1M | 107.2M | 149.1M | |
98M | 452.1M | 302.1M | 171.5M | 204.9M | 259.8M | 127.6M | 200.9M | 256.6M | 207.4M | 207.7M | 221.9M | 205.9M | 202.8M | 115.9M | 157.8M | 178.9M | 162.9M | 201.6M | 185.8M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | (0.0) | -165.8M | -164.4M | -234.1M | (0.0) | -459.4M | -76.5M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
(0.0) | -1.2B | -639M | (0.0) | -1.5B | -1.5B | (0.0) | -1.5B | (0.0) | (0.0) | -1.5B | -1.3B | (0.0) | (0.0) | -1.4B | -1.7B | -2.1B | -1.1B | -1.4B | -1B | |
0.0 | 1.1B | 688.2M | 0.0 | 1.5B | 1.1B | 0.0 | 1.4B | 0.0 | 0.0 | 1.1B | 759.8M | 0.0 | 0.0 | 1.1B | 1.4B | 1.8B | 935.2M | 1.3B | 811.8M | |
-75.9M | 7.2M | 9.2M | -50.2M | -10.2M | -67.7M | 515.3M | 0.0 | -228.7M | -325.4M | -33.9M | 0.0 | -598.3M | -354.8M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
-75.9M | -135.8M | -107.4M | -214.6M | -302M | -406.8M | (55.9M) | -186.5M | -228.7M | -325.4M | -415.8M | -565.5M | -598.3M | -354.8M | -303M | -304.1M | -267.9M | -190.3M | -130.5M | -231M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-15.5M | -3.5M | -6.5M | -24M | -5.3M | -2.2M | 1.7M | -5.1M | -1.7M | -21.5M | -22M | -5.4M | -3.9M | -15.7M | -2M | 0.0 | 0.0 | -54.3M | -20.7M | 1.9M | |
-470M | -267.5M | -140.8M | -154M | -297M | 4M | -194.6M | 21.9M | 45.3M | 11.2M | 9.7M | 0.0 | 0.0 | -983K | -3.7M | 6.7M | -3.1M | -147.6M | -29.3M | 24.7M | |
-57.1M | -55.5M | -53.9M | -52.6M | -51.4M | -49.6M | -47.3M | -46.7M | -46.1M | -44.3M | -42.5M | -39.2M | -32.6M | -22.5M | -19M | -14.3M | -9.6M | -15M | -18.4M | -18.3M | |
-20.8M | -8.6M | -6.5M | -24M | -5.3M | -2.2M | (0.0) | -5.1M | -1.7M | -21.5M | -22M | -5.4M | -3.9M | -15.7M | -2M | (0.0) | (0.0) | -54.3M | -20.7M | (0.0) | |
520.9M | 18.6M | -6.6M | 182.8M | 562.2M | 191.6M | 70.3M | 19.8M | -31.2M | 173.7M | 267.4M | 381.7M | 431.8M | 198.9M | 213.3M | 152M | 100.4M | 240.3M | -3M | 50.4M | |
-21.7M | -307.9M | -207.8M | -47.8M | 208.5M | 143.8M | -169.9M | -10.1M | -37M | 115.1M | 212.6M | 337.1M | 395.4M | 159.7M | 188.7M | 144.4M | 87.7M | 23.4M | -71.4M | 58.6M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
400K | 8.4M | -13.1M | -90.9M | 111.4M | -3.2M | 13.6M | 4.3M | -9M | 1.2M | 3.8M | -6.5M | 3M | 7.7M | 1.5M | -1.9M | -1.4M | -4M | -229K | 13.4M | |
100K | 29.7M | 42.8M | 133.7M | 22.3M | 25.5M | 11.9M | 7.6M | 16.7M | 15.5M | 11.7M | 18.2M | 15.2M | 7.5M | 5.9M | 7.8M | 9.2M | 13.2M | 13.4M | 0.0 | |
500K | 38.1M | 29.7M | 42.8M | 133.7M | 22.3M | 25.5M | 11.9M | 7.6M | 16.7M | 15.5M | 11.7M | 18.2M | 15.2M | 7.5M | 5.9M | 7.8M | 9.2M | 13.2M | 13.4M | |
98M | 452.1M | 302.1M | 171.5M | 204.9M | 259.8M | 127.6M | 200.9M | 256.6M | 207.4M | 40.8M | 221.9M | 205.9M | 202.8M | 115.9M | 157.8M | 178.9M | 162.9M | 201.6M | 185.8M |
SEC Filings
HMN - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 21, 2026 | May 20, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 06, 2026 | May 06, 2026 | 2026 | |
DEF 14A DEF 14A 2025 N/A | April 06, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | March 27, 2026 | March 27, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 27, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 03, 2026 | February 03, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | November 07, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | November 04, 2025 | November 04, 2025 | 2025 | |
8-K 8-K 2025 N/A | September 29, 2025 | September 29, 2025 | 2025 |
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