SuperworthHorace Mann Educators profit margin HMN
Gross, operating and net profit as a share of revenue over the last twelve months, from 2010.
- Net margin, 12 months
- 10.2%
- Operating margin, 12 months
- 27.2%
- Net margin on a year earlier
- +1.7 pts
- Peer median
- 14.5%
Over the twelve months to Jun 30, 2026, Horace Mann Educators kept 10.2% of its revenue as net profit, with an operating margin of 27.2%.
Five years earlier its net margin was 13.8%.
The median for 10 property and casualty insurers of a similar size is 14.5%.
Profit margin over time
Fiscal year by fiscal year
| Fiscal year | Net margin | Operating margin |
|---|---|---|
| FY2025 | 9.5% | 26.7% |
| FY2024 | 6.4% | 23.8% |
| FY2023 | 3.0% | 19.4% |
| FY2022 | 1.4% | 15.1% |
| FY2021 | 12.8% | 26.6% |
| FY2020 | 10.2% | 28.9% |
| FY2019 | 12.9% | 32.5% |
| FY2018 | 1.5% | 20.0% |
| FY2017 | 14.5% | 25.5% |
| FY2016 | 7.4% | 28.2% |
| FY2015 | 8.7% | 30.3% |
| FY2014 | 9.8% | 31.7% |
| FY2013 | 10.8% | 32.8% |
| FY2012 | 10.3% | 32.3% |
| FY2011 | 7.1% | 26.4% |
Quarter by quarter
| Quarter | Ended | Net margin, 12 months | Change on a year | Operating margin |
|---|---|---|---|---|
| Q2 FY26 | 10.2% | +1.7 pts | 27.2% | |
| Q1 FY26 | 9.6% | +2.6 pts | 26.8% | |
| Q4 FY25 | 9.5% | +3.1 pts | 26.7% | |
| Q3 FY25 | 9.8% | +3.2 pts | 27.1% | |
| Q2 FY25 | 8.5% | +3.3 pts | 25.7% | |
| Q1 FY25 | 7.0% | +2.8 pts | 24.2% | |
| Q4 FY24 | 6.4% | +3.4 pts | 23.8% | |
| Q3 FY24 | 6.6% | +7.3 pts | 23.7% | |
| Q2 FY24 | 5.2% | +5.4 pts | 22.2% | |
| Q1 FY24 | 4.3% | +3.8 pts | 21.0% | |
| Q4 FY23 | 3.0% | +1.6 pts | 19.4% | |
| Q3 FY23 | −0.8% | −6.9 pts | 14.4% |
Against its peers
Companies in Insurance - Property & Casualty nearest Horace Mann Educators' size, closest first, today.
| Company | Profit margin |
|---|---|
| HMNHorace Mann Educators | 10.2% |
| SAFTSafety Insurance | 5.3% |
| UFCSUnited Fire | 9.6% |
| HGHamilton Insurance | 28.8% |
| HCIHCI | 32.6% |
| UVEUniversal Insurance | 13.5% |
| SKWDSkyward Specialty Insurance | 10.8% |
| SPNTSiriusPoint | 15.6% |
| ASICAtegrity Specialty Insurance | 20.7% |
| BOWBowhead Specialty | 10.1% |
| HRTGHeritage Insurance | 25.2% |
| Peer median | 14.5% |
Where Horace Mann Educators ranks
What the profit margin tells you
Profit as a share of revenue at three levels: gross (after making the product), operating (after running the business) and net (after everything, including tax and interest).
Compare within an industry. 10% is superb for a retailer and poor for a software company.
More on Horace Mann Educators
Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.