Last 47 quarters of trend data · Financial Services · Insurance - Property & Casualty
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.61 | 12.78 | 10.67 | 13.27 | 8.07 | 15.13 | 11.61 | 10.66 | 10.53 | 90.61 | 14.45 | 8.61 | 26.23 | — | 52.31 | — | 26.73 | — | 29.88 | 10.08 | 25.51 |
| — | -15.5% | -8.1% | +24.5% | -23.4% | -83.3% | -19.6% | +23.9% | -59.9% | — | -72.4% | — | -1.9% | — | +75.1% | — | +4.8% | — | +162.8% | +10.3% | +168.8% | |
| P/S Ratio | 1.12 | 1.20 | 1.02 | 1.15 | 1.13 | 1.14 | 1.11 | 1.04 | 0.91 | 0.90 | 1.01 | 0.88 | 0.85 | 0.90 | 0.99 | 1.15 | 1.09 | 1.21 | 1.32 | 1.35 | 1.34 |
| — | +5.1% | -7.8% | +10.7% | +23.8% | +27.5% | +9.9% | +17.3% | +7.2% | -0.5% | +1.9% | -23.3% | -21.9% | -25.4% | -24.9% | -14.4% | -19.0% | +6.2% | -9.9% | +2.0% | +24.5% | |
| P/B Ratio | 1.27 | 1.42 | 1.20 | 1.30 | 1.30 | 1.31 | 1.32 | 1.26 | 1.12 | 1.12 | 1.27 | 1.15 | 1.16 | 1.11 | 1.22 | 1.42 | 1.36 | 1.27 | 1.15 | 0.90 | 0.93 |
| — | +7.7% | -9.6% | +2.5% | +16.0% | +17.1% | +4.5% | +9.5% | -2.8% | +0.7% | +4.1% | -18.4% | -15.2% | -12.5% | +6.2% | +56.6% | +45.9% | +46.8% | +6.6% | -8.8% | +14.0% | |
| P/FCF | 3.30 | 2.38 | 7.17 | 3.70 | 3.11 | 3.40 | 3.16 | 2.10 | 2.51 | 8.44 | 5.15 | 3.30 | 6.71 | 4.55 | 4.01 | 6.98 | 10.25 | — | 4.60 | 15.23 | 6.83 |
| — | -30.1% | +127.2% | +75.8% | +23.6% | -59.7% | -38.7% | -36.2% | -62.6% | +85.6% | +28.4% | -52.7% | -34.5% | — | -12.8% | -54.2% | +50.2% | — | +43.6% | — | +98.5% | |
| EV / EBITDA | 10.49 | 12.01 | 10.25 | 11.87 | 8.54 | 13.31 | 10.53 | 9.68 | 9.95 | 42.94 | 13.01 | 8.69 | 21.40 | — | 31.59 | — | 13.33 | — | 19.23 | 9.76 | 20.62 |
| — | -9.7% | -2.7% | +22.6% | -14.2% | -69.0% | -19.1% | +11.4% | -53.5% | — | -58.8% | — | +60.5% | — | +64.3% | — | -35.3% | — | +86.2% | +14.9% | +136.0% | |
| EV / EBIT | 11.90 | 11.42 | 9.77 | 11.17 | 8.32 | 12.72 | 10.18 | 9.43 | 9.51 | 35.51 | 12.36 | 8.40 | 20.48 | — | 31.38 | — | 16.82 | — | 19.16 | 9.43 | 22.64 |
| — | -10.2% | -4.0% | +18.5% | -12.5% | -64.2% | -17.7% | +12.3% | -53.6% | — | -60.6% | — | +21.8% | — | +63.7% | — | -25.7% | — | +78.7% | +6.9% | +147.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 35.2% | 58.0% | 58.9% | 37.3% | 38.1% | 32.0% | 33.6% | 35.5% | 31.0% | 24.0% | 32.5% | 32.1% | 22.3% | 17.6% | 26.9% | 18.9% | 30.6% | 20.0% | 29.0% | 32.0% | 23.4% |
| — | +81.0% | +75.2% | +4.9% | +22.7% | +33.6% | +3.3% | +10.5% | +39.0% | +36.6% | +21.1% | +70.3% | -27.1% | -12.0% | -7.4% | -41.0% | +30.9% | -44.7% | -11.4% | -13.4% | -22.9% | |
| Operating Margin | 12.4% | 11.0% | 11.7% | 10.9% | 17.1% | 9.3% | 11.9% | 12.3% | 10.7% | 1.2% | 8.7% | 12.3% | 3.8% | -4.6% | 2.3% | -8.4% | 6.9% | -1.8% | 7.5% | 16.3% | 6.1% |
| — | +18.5% | -1.5% | -11.3% | +59.6% | +668.0% | +36.6% | +0.1% | +182.9% | +126.5% | +274.9% | +247.0% | -45.2% | -153.5% | -69.1% | -151.1% | +14.1% | -110.8% | -51.7% | -6.1% | -56.1% | |
| Net Margin | 10.0% | 9.4% | 9.6% | 8.6% | 14.0% | 7.5% | 9.5% | 9.7% | 8.6% | 1.0% | 7.0% | 10.3% | 3.3% | -3.8% | 1.9% | -5.5% | 6.0% | -1.3% | 6.1% | 13.3% | 5.2% |
| — | +24.9% | +0.5% | -11.1% | +62.0% | +648.8% | +36.8% | -5.4% | +164.1% | +126.7% | +269.5% | +287.5% | -46.0% | -197.2% | -69.0% | -141.1% | +16.0% | -109.4% | -51.9% | -6.1% | -53.5% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.7% | 2.8% | 2.8% | 2.5% | 4.2% | 2.2% | 2.9% | 3.0% | 2.7% | 0.3% | 2.2% | 3.5% | 1.1% | -1.1% | 0.6% | -1.7% | 1.7% | -0.3% | 1.2% | 2.2% | 0.9% |
| — | +28.7% | -3.9% | -16.6% | +51.4% | +592.8% | +30.8% | -16.4% | +152.9% | +127.5% | +276.4% | +308.6% | -37.8% | -280.4% | -51.4% | -175.7% | +93.5% | -111.3% | -46.2% | -17.6% | -58.5% | |
| ROA | 1.1% | 0.3% | 0.3% | 0.2% | 0.4% | 0.2% | 0.3% | 0.3% | 0.2% | 0.0% | 0.2% | 0.3% | 0.1% | -0.1% | 0.0% | -0.1% | 0.2% | -0.0% | 0.1% | 0.3% | 0.1% |
| — | +34.8% | +3.1% | -10.0% | +63.1% | +659.0% | +41.1% | -9.1% | +173.8% | +128.4% | +282.4% | +307.0% | -42.7% | -214.4% | -65.2% | -149.2% | +31.5% | -108.9% | -51.2% | -21.7% | -59.8% | |
| ROIC | 7.8% | 1.8% | 1.8% | 1.6% | 2.6% | 1.5% | 1.9% | 2.0% | 1.8% | 0.2% | 1.4% | 2.2% | 0.6% | -0.7% | 0.4% | -1.4% | 1.1% | -0.2% | 0.9% | 1.7% | 0.7% |
| — | +22.2% | -5.5% | -20.6% | +44.2% | +640.6% | +34.8% | -7.3% | +179.0% | +127.0% | +275.9% | +259.0% | -39.9% | -201.8% | -57.3% | -179.5% | +64.9% | -112.0% | -46.5% | -15.9% | -60.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.40 | 0.40 | 0.40 | 0.40 | 0.58 | 0.40 | 0.41 | 0.42 | 0.42 | 0.45 | 0.45 | 0.46 | 0.52 | 0.45 | 0.44 | 0.45 | 0.46 | 0.40 | 0.33 | 0.28 | 0.22 |
| — | -1.8% | -0.9% | -5.8% | +37.7% | -11.0% | -9.6% | -8.5% | -18.2% | +0.0% | +3.1% | +2.5% | +12.3% | +14.4% | +33.6% | +63.1% | +113.7% | +73.6% | +26.6% | +13.8% | -15.1% | |
| Debt / EBITDA | 2.60 | 10.67 | 10.44 | 11.32 | 10.77 | 12.70 | 10.04 | 9.89 | 11.13 | 49.68 | 13.79 | 10.13 | 27.03 | — | 33.88 | — | 13.75 | — | 17.45 | 9.80 | 15.80 |
| — | -16.0% | +3.9% | +14.5% | -3.3% | -74.4% | -27.2% | -2.4% | -58.8% | — | -59.3% | — | +96.6% | — | +94.1% | — | -12.9% | — | +114.3% | +44.4% | +83.9% | |
| Current Ratio | — | — | 0.15 | — | 0.22 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | 27.00 | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | — | — | 0.15 | — | 0.22 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | 27.00 | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | 6.53 | 6.10 | 6.28 | 5.57 | 9.03 | 5.24 | 6.34 | 6.68 | 5.91 | 1.53 | 4.79 | 6.49 | 2.81 | -1.26 | 2.21 | -3.78 | 5.42 | -0.40 | 7.41 | 15.17 | 6.59 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying HMN stock.
Horace Mann Educators Corporation's current P/E is 11.6x. The average P/E over the last 4 quarters is 11.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Horace Mann Educators Corporation's current operating margin is 12.4%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Horace Mann Educators Corporation's business trajectory between earnings reports.