Horace Mann Educators(DE:HM9)
€46.20+-0.40 (+0.43%)
DE:HM9
Horace Mann Educators financials statements
€46.20
At close:+-0.40 (+0.43%)
Horace Mann Educators (HM9) Ratios
0 Followers
Horace Mann Educators Ratios
DE:HM9's free cash flow for Q3 2026 was $112.00M. For the 2026 fiscal year, DE:HM9's free cash flow was increased by $0.00 and operating cash flow was $112.00M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 27.00 |
| Quick Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 27.00 |
| Cash Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.53 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.00 | 0.02 |
| Operating Cash Flow Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.82 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.69 | 0.82 |
| Net Current Asset Value | $ -13.78B | $ -12.26B | $ -12.87B | $ -12.21B | $ -5.85B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.04 | 0.04 | 0.04 | 0.04 | 0.03 |
| Debt-to-Equity Ratio | 0.40 | 0.42 | 0.46 | 0.45 | 0.28 |
| Debt-to-Capital Ratio | 0.29 | 0.30 | 0.32 | 0.31 | 0.22 |
| Long-Term Debt-to-Capital Ratio | 0.29 | 0.30 | 0.32 | 0.18 | 0.12 |
| Financial Leverage Ratio | 10.30 | 11.25 | 11.95 | 12.12 | 7.96 |
| Debt Service Coverage Ratio | 6.20 | 4.73 | 3.40 | 0.25 | 0.77 |
| Interest Coverage Ratio | 5.53 | 3.72 | 1.79 | 0.85 | 15.12 |
| Debt to Market Cap | 0.31 | 0.34 | 0.40 | 0.32 | 0.31 |
| Interest Debt Per Share | 15.15 | 14.08 | 13.94 | 12.44 | 12.48 |
| Net Debt to EBITDA | 2.14 | 2.71 | 4.73 | 7.18 | 1.52 |
| Profitability Margins | |||||
| Gross Profit Margin | 35.20% | 30.86% | 24.90% | 24.79% | 32.71% |
| EBIT Margin | 14.62% | 10.53% | 5.79% | 2.68% | 17.92% |
| EBITDA Margin | 16.29% | 12.23% | 7.62% | 4.73% | 19.39% |
| Operating Profit Margin | 12.38% | 8.29% | 3.72% | 1.23% | 16.80% |
| Pretax Profit Margin | 12.38% | 8.29% | 3.72% | 1.23% | 16.80% |
| Net Profit Margin | 9.98% | 6.63% | 3.14% | 1.48% | 13.63% |
| Continuous Operations Profit Margin | 9.98% | 6.63% | 3.14% | 1.48% | 13.63% |
| Net Income Per EBT | 80.57% | 79.94% | 84.43% | 120.00% | 81.10% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.06% | 0.71% | 0.32% | 0.15% | 1.18% |
| Return on Equity (ROE) | 10.93% | 7.98% | 3.83% | 1.80% | 9.43% |
| Return on Capital Employed (ROCE) | 1.32% | 0.89% | 0.38% | 0.12% | 1.49% |
| Return on Invested Capital (ROIC) | 1.06% | 0.71% | 0.00% | 6.63% | 0.81% |
| Return on Tangible Assets | 1.10% | 0.72% | 0.33% | 0.15% | 1.20% |
| Earnings Yield | 8.45% | 6.34% | 3.33% | 1.27% | 10.64% |
| Efficiency Ratios | |||||
| Receivables Turnover | 3.88 | 3.65 | 2.98 | 2.87 | 0.00 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 0.00 | 21.12 | 20.89 | 19.35 | 16.67 |
| Asset Turnover | 0.11 | 0.11 | 0.10 | 0.10 | 0.09 |
| Working Capital Turnover Ratio | 3.46 | 3.31 | 0.00 | 0.41 | 0.39 |
| Cash Conversion Cycle | 94.12 | 100.01 | 122.41 | 127.37 | 0.00 |
| Days of Sales Outstanding | 94.12 | 100.01 | 122.41 | 127.37 | 0.00 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 94.12 | 100.01 | 122.41 | 127.37 | 0.00 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 13.31 | 10.95 | 7.31 | 4.12 | 4.95 |
| Free Cash Flow Per Share | 13.31 | 10.95 | 7.31 | 4.12 | 4.95 |
| Dividend Paid and CapEx Coverage Ratio | 9.69 | 8.15 | 5.60 | 3.26 | 3.99 |
| Capital Expenditure Coverage Ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cash Flow Coverage Ratio | 0.93 | 0.83 | 0.55 | 0.34 | 0.41 |
| Operating Cash Flow to Sales Ratio | 0.34 | 0.29 | 0.21 | 0.13 | 0.16 |
| Free Cash Flow Yield | 28.82% | 27.90% | 22.37% | 11.03% | 12.79% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 11.75 | 15.76 | 30.01 | 78.51 | 9.40 |
| Price-to-Sales (P/S) Ratio | 1.18 | 1.05 | 0.94 | 1.16 | 1.28 |
| Price-to-Book (P/B) Ratio | 1.29 | 1.26 | 1.15 | 1.42 | 0.89 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 3.47 | 3.58 | 4.47 | 9.06 | 7.82 |
| Price-to-Operating Cash Flow Ratio | 3.47 | 3.58 | 4.47 | 9.06 | 7.82 |
| Price-to-Earnings Growth (PEG) Ratio | 0.20 | 0.12 | 0.24 | -0.91 | 1.32 |
| Enterprise Value Multiple | 9.39 | 11.26 | 17.10 | 31.66 | 8.13 |
| Enterprise Value | 2.49B | 2.13B | 1.87B | 2.01B | 1.97B |
| EV to EBITDA | 9.39 | 11.26 | 17.10 | 31.66 | 8.13 |
| EV to Sales | 1.53 | 1.38 | 1.30 | 1.50 | 1.58 |
| EV to Free Cash Flow | 4.49 | 4.72 | 6.18 | 11.72 | 9.62 |
| EV to Operating Cash Flow | 4.49 | 4.72 | 6.18 | 11.72 | 9.62 |
| Tangible Book Value Per Share | 22.34 | 26.09 | 23.02 | 20.64 | 39.10 |
| Shareholders’ Equity Per Share | 35.67 | 31.17 | 28.46 | 26.40 | 43.66 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.19 | 0.20 | 0.16 | -0.20 | 0.19 |
| Revenue Per Share | 39.09 | 37.54 | 34.69 | 32.24 | 30.21 |
| Net Income Per Share | 3.90 | 2.49 | 1.09 | 0.48 | 4.12 |
| Tax Burden | 0.81 | 0.80 | 0.84 | 1.20 | 0.81 |
| Interest Burden | 0.85 | 0.79 | 0.64 | 0.46 | 0.94 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 3.41 | 4.40 | 6.71 | 8.66 | 1.20 |
Currency in USD
