HMNHORACE MANN EDUCATORS CORP /DE/
Fire, Marine & Casualty Insurance
- Revenue
- $1.7B
- 6.7% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- $547M net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear341% of net incomeCash flow under 80% of net income
- Dilutive SBCClear1% of revenueOver 10% of revenue
- Payouts exceed cash flowClear11% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear0% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $1.3B | $1.4B | $1.5B | $1.6B | $1.7B | 6.7% |
| Net income | $143M | −$3M | $45M | $103M | $162M | 58% |
| Operating cash flow | $205M | $172M | $302M | $452M | $553M | 22% |
| Stock-based comp | $8M | $9M | $10M | $10M | $10M | 3.0% |
| Dividends | $51M | $53M | $54M | $56M | $57M | 2.9% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $1M · 7
- Net
- −$1M
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $8M | $12M | 131 | 210 |
| FY2024 | $8M | $10M | 108 | 202 |
| FY2023 | $6M | $4M | 87 | 159 |
| FY2022 | $5M | $5M | 95 | 146 |
| FY2021 | $6M | $6M | 95 | 132 |