Horace Mann Educators Corporation is classed by the SEC under Fire, Marine & Casualty Insurance (industry code 6331), based in Springfield, IL. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $1.7 billion and a profit of $162 million (its filed statements).
Insurance businessFire, Marine & Casualty InsuranceSpringfield, ILfilings since 19969 of 9 filed
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a insurance business: prior from its industry code (SEC 6331, Fire, Marine & Casualty Insurance); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.2 out of ten, 9 of 9 metrics filed: past 6.0 out of ten, present 3.8 out of ten, future 5.7 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 7.3 out of ten. No warning events in its filings since 2017. 73rd percentile among 60 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 5.9 out of ten. +4.7% a year over 10 filed years; profitable in 10 of 10. 59th percentile among 56 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 5.0 out of ten. Share count shrank 0.2% a year. 13% of cash flow returned. Insiders: 23 sales, 2 purchases. 50th percentile among 49 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 2.7 out of ten. ROE 11%: 11¢ of profit per shareholder dollar. Leverage 90%: owes 90¢ per asset dollar. 27th percentile among 60 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 4.0 out of ten. bottom 40% of 60 in its family; net margin 9.5%. 40th percentile among 60 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 5.8 out of ten. top 42% of 47 in its family for leadership; chief executive since 2014. 58th percentile among 47 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 5.3 out of ten. top 47% of 60 in its family for room to expand. 53rd percentile among 60 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 4.9 out of ten. bottom 49% of 56 in its family for growth drivers. 49th percentile among 56 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 7.0 out of ten. top 30% of 56 in its family for expectations against reality. 70th percentile among 56 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-27 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-07 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-05 (on EDGAR). Newest filing: Form 144, 2026-10-08. Filings on record since 1996. Read from EDGAR 2026-10-12.
Who runs it
Zuraitis, Marita (President & CEO); Desrochers, Mark R (Senior Vice President); Fulks, Stephanie A (Senior Vice President); Jackson, Vanessa A (Senior Vice President); Mcginnis, Jennifer L (Vice President); Sanders, Derik Tyson (Senior Vice President); Conklin, Bret A (Executive Vice President); Greenier, Ryan E (EVP & Chief Financial Officer); Chauby, Steven R (Chief Marketing Officer); Temchuk, Maureen Amanda (Controller & Chief Accting Off); and 9 more. 19 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-08.
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