Horace Mann Educators Corporation - Asset Resilience Ratio
Horace Mann Educators Corporation (HMN) has an Asset Resilience Ratio of 4.06% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Also explore HMN current and non-current assets for the complete picture of this company's asset base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (1998–2024)
This chart shows how Horace Mann Educators Corporation's Asset Resilience Ratio has changed over time. See HMN equity to assets ratio to measure how much of total assets are equity-financed.
Liquid Assets Composition Over Time
This chart breaks down Horace Mann Educators Corporation's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see Horace Mann Educators Corporation market capitalisation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $628.20 Million | 4.06% |
| Total Liquid Assets | $628.20 Million | 4.06% |
Asset Resilience Insights
- Limited Liquidity: Horace Mann Educators Corporation maintains only 4.06% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Horace Mann Educators Corporation Industry Peers by Asset Resilience Ratio
Compare Horace Mann Educators Corporation's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
DB Insurance Co Ltd
KO:005830 |
Insurance - Property & Casualty | 35.49% |
|
Trupanion Inc
NASDAQ:TRUP |
Insurance - Property & Casualty | 24.98% |
|
QBE Insurance Group Ltd
AU:QBE |
Insurance - Property & Casualty | 3.80% |
|
Suncorp Group Ltd
AU:SUNPH |
Insurance - Property & Casualty | 69.36% |
|
Suncorp Group Ltd
AU:SUN |
Insurance - Property & Casualty | 3.36% |
|
Insurance Australia Group Ltd
AU:IAG |
Insurance - Property & Casualty | 2.07% |
|
Intact Financial Corporation
TO:IFC |
Insurance - Property & Casualty | 27.27% |
|
Fairfax Financial Holdings Ltd
TO:FFH |
Insurance - Property & Casualty | 4.66% |
Annual Asset Resilience Ratio for Horace Mann Educators Corporation (1998–2024)
The table below shows the annual Asset Resilience Ratio data for Horace Mann Educators Corporation.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 3.31% | $480.20 Million | $14.49 Billion | -35.58pp |
| 2023-12-31 | 38.89% | $5.46 Billion | $14.05 Billion | -2.46pp |
| 2022-12-31 | 41.35% | $5.50 Billion | $13.31 Billion | -4.46pp |
| 2021-12-31 | 45.81% | $6.59 Billion | $14.38 Billion | -3.86pp |
| 2020-12-31 | 49.67% | $6.69 Billion | $13.47 Billion | +0.36pp |
| 2019-12-31 | 49.31% | $6.15 Billion | $12.48 Billion | -22.50pp |
| 2018-12-31 | 71.81% | $7.92 Billion | $11.03 Billion | -2.77pp |
| 2017-12-31 | 74.59% | $8.35 Billion | $11.20 Billion | -1.05pp |
| 2016-12-31 | 75.63% | $8.00 Billion | $10.58 Billion | -0.40pp |
| 2015-12-31 | 76.03% | $7.65 Billion | $10.06 Billion | +0.24pp |
| 2014-12-31 | 75.79% | $7.40 Billion | $9.77 Billion | +1.70pp |
| 2013-12-31 | 74.09% | $6.54 Billion | $8.83 Billion | -2.95pp |
| 2012-12-31 | 77.04% | $6.29 Billion | $8.17 Billion | +0.68pp |
| 2011-12-31 | 76.36% | $5.68 Billion | $7.44 Billion | +76.02pp |
| 2010-12-31 | 0.34% | $24.06 Million | $7.01 Billion | +0.13pp |
| 2009-12-31 | 0.21% | $13.57 Million | $6.34 Billion | -6.10pp |
| 2008-12-31 | 6.32% | $354.93 Million | $5.62 Billion | +2.81pp |
| 2007-12-31 | 3.50% | $220.70 Million | $6.30 Billion | -3.74pp |
| 2006-12-31 | 7.24% | $462.00 Million | $6.38 Billion | +3.98pp |
| 2005-12-31 | 3.27% | $193.00 Million | $5.91 Billion | +3.26pp |
| 2004-12-31 | 0.00% | $142.00K | $5.47 Billion | -1.99pp |
| 1998-12-31 | 1.99% | $87.39 Million | $4.40 Billion | -- |
About Horace Mann Educators Corporation
Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. It operates through Property & Casualty, Life & Retirement, and Supplemental & Group Benefits segments. The Property & Casualty segment offers insurance products, including private passenger auto insurance, residential home insurance, and personal umbrella insurance; s… Read more