Horace Mann Educators Corporati — Earnings Quality Grade A
HMN · Financial Services
Strong financial health
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 94 days, change -6 days YoY
AR growth -1.4% vs revenue growth 4.8%
Revenue 4.8%, CFFO 22.4%. Cash follows revenue
Expense Quality
No material inventory
Insufficient data
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 3.41. Profits backed by cash
FCF $0.6B, FCF/NI = 3.41
Accruals ratio = -2.6%. Low accruals
Cash $0.6B covers debt $0.6B
Balance Sheet Health
Goodwill+Intangibles $0.2B = 12% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -13% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Horace Mann Educators Corporati is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25