Horace Mann Educators Corporation (HMN) — Cash Flow Quality Index
Horace Mann Educators Corporation (HMN) has a Cash Flow Quality Index of 1.49x as of March 2026. Operating cash flow of $61.30 Million exceeds net income of $41.20 Million, indicating high earnings quality where cash backs reported profits. Explore how well can Horace Mann Educators Corporation service its debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Horace Mann Educators Corporation Cash Flow Quality Index (1990–2025)
Historical Cash Flow Quality Index for Horace Mann Educators Corporation across 35 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see HMN cash flow conversion.
Annual Cash Flow Quality Index for Horace Mann Educators Corporation (1990–2025)
Year-by-year earnings quality comparison for Horace Mann Educators Corporation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 3.41x | $553.20 Million | $162.10 Million | ▼ -22.4% |
| 2024 | 4.40x | $452.10 Million | $102.80 Million | ▼ -34.5% |
| 2023 | 6.71x | $302.10 Million | $45.00 Million | ▲ +367.9% |
| 2021 | 1.43x | $204.90 Million | $142.80 Million | ▼ -26.4% |
| 2020 | 1.95x | $259.79 Million | $133.31 Million | ▲ +181.7% |
| 2019 | 0.69x | $127.57 Million | $184.44 Million | ▼ -93.7% |
| 2018 | 10.95x | $200.89 Million | $18.34 Million | ▲ +623.3% |
| 2017 | 1.51x | $256.59 Million | $169.46 Million | ▼ -38.9% |
| 2016 | 2.48x | $207.42 Million | $83.77 Million | ▲ +11.4% |
| 2015 | 2.22x | $207.71 Million | $93.48 Million | ▲ +4.4% |
| 2014 | 2.13x | $221.93 Million | $104.24 Million | ▲ +14.6% |
| 2013 | 1.86x | $205.94 Million | $110.89 Million | ▼ -4.9% |
| 2012 | 1.95x | $202.85 Million | $103.87 Million | ▲ +18.8% |
| 2011 | 1.64x | $115.88 Million | $70.51 Million | ▼ -15.8% |
| 2010 | 1.95x | $157.75 Million | $80.86 Million | ▼ -19.9% |
| 2009 | 2.43x | $178.90 Million | $73.49 Million | ▼ -83.7% |
| 2008 | 14.92x | $162.85 Million | $10.92 Million | ▲ +512.4% |
| 2007 | 2.44x | $201.65 Million | $82.79 Million | ▲ +29.4% |
| 2006 | 1.88x | $185.81 Million | $98.71 Million | ▼ -11.9% |
| 2005 | 2.14x | $165.17 Million | $77.27 Million | ▼ -28.0% |
| 2004 | 2.97x | $167.28 Million | $56.31 Million | ▼ -53.7% |
| 2003 | 6.42x | $121.83 Million | $18.98 Million | ▼ -56.0% |
| 2002 | 14.60x | $165.47 Million | $11.33 Million | ▲ +151.0% |
| 2001 | 5.82x | $148.86 Million | $25.59 Million | ▼ -2.4% |
| 2000 | 5.96x | $124.25 Million | $20.84 Million | ▲ +79.1% |
| 1999 | 3.33x | $148.15 Million | $44.50 Million | ▲ +120.5% |
| 1998 | 1.51x | $128.77 Million | $85.30 Million | ▲ +25.9% |
| 1997 | 1.20x | $104.44 Million | $87.10 Million | ▼ -36.4% |
| 1996 | 1.89x | $139.20 Million | $73.80 Million | ▼ -9.3% |
| 1995 | 2.08x | $153.70 Million | $73.90 Million | ▼ -15.1% |
| 1994 | 2.45x | $158.30 Million | $64.60 Million | ▲ +14.3% |
| 1993 | 2.14x | $165.50 Million | $77.20 Million | ▼ -22.5% |
| 1992 | 2.77x | $198.60 Million | $71.80 Million | ▼ -59.1% |
| 1991 | 6.77x | $168.50 Million | $24.90 Million | ▼ -90.9% |
| 1990 | 74.67x | $156.80 Million | $2.10 Million | — |