Horace Mann Educators Corporation (HMN) — Cash Flow-to-Debt Ratio
Horace Mann Educators Corporation (HMN) has a Cash Flow-to-Debt Ratio of 0.02x as of June 2026, meaning its operating cash flow of $223.70 Million could theoretically repay 0% of its total liabilities ($14.10 Billion) in one year. See financial agility of Horace Mann Educators Corporation to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Horace Mann Educators Corporation Cash Flow-to-Debt Ratio (1990–2025)
Historical debt coverage capacity for Horace Mann Educators Corporation across 36 annual periods. For the full cash flow conversion analysis, see HMN cash flow metrics.
Annual Cash Flow-to-Debt Ratio for Horace Mann Educators Corporation (1990–2025)
Year-by-year debt coverage analysis for Horace Mann Educators Corporation. Check HMN cash to earnings ratio to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.04x | $553.20 Million | $13.78 Billion | ▲ +17.2% |
| 2024 | 0.03x | $452.10 Million | $13.20 Billion | ▲ +46.0% |
| 2023 | 0.02x | $302.10 Million | $12.87 Billion | ▲ +67.1% |
| 2022 | 0.01x | $171.50 Million | $12.21 Billion | ▼ -13.8% |
| 2021 | 0.02x | $204.90 Million | $12.58 Billion | ▼ -26.7% |
| 2020 | 0.02x | $259.79 Million | $11.68 Billion | ▲ +90.2% |
| 2019 | 0.01x | $127.57 Million | $10.91 Billion | ▼ -43.3% |
| 2018 | 0.02x | $200.89 Million | $9.74 Billion | ▼ -22.1% |
| 2017 | 0.03x | $256.59 Million | $9.70 Billion | ▲ +18.4% |
| 2016 | 0.02x | $207.42 Million | $9.28 Billion | ▼ -5.4% |
| 2015 | 0.02x | $207.71 Million | $8.79 Billion | ▼ -10.3% |
| 2014 | 0.03x | $221.93 Million | $8.43 Billion | ▼ -1.2% |
| 2013 | 0.03x | $205.94 Million | $7.73 Billion | ▼ -8.8% |
| 2012 | 0.03x | $202.85 Million | $6.94 Billion | ▲ +60.8% |
| 2011 | 0.02x | $115.88 Million | $6.38 Billion | ▼ -29.5% |
| 2010 | 0.03x | $157.75 Million | $6.13 Billion | ▼ -19.0% |
| 2009 | 0.03x | $178.90 Million | $5.62 Billion | ▲ +1.0% |
| 2008 | 0.03x | $162.85 Million | $5.17 Billion | ▼ -12.4% |
| 2007 | 0.04x | $201.65 Million | $5.61 Billion | ▲ +10.7% |
| 2006 | 0.03x | $185.81 Million | $5.72 Billion | ▲ +3.4% |
| 2005 | 0.03x | $165.17 Million | $5.26 Billion | ▼ -8.1% |
| 2004 | 0.03x | $167.28 Million | $4.89 Billion | ▲ +24.1% |
| 2003 | 0.03x | $121.83 Million | $4.42 Billion | ▼ -33.7% |
| 2002 | 0.04x | $165.47 Million | $3.98 Billion | ▲ +11.5% |
| 2001 | 0.04x | $148.86 Million | $4.00 Billion | ▲ +19.7% |
| 2000 | 0.03x | $124.25 Million | $3.99 Billion | ▼ -19.0% |
| 1999 | 0.04x | $148.15 Million | $3.85 Billion | ▲ +16.4% |
| 1998 | 0.03x | $128.77 Million | $3.90 Billion | ▲ +14.7% |
| 1997 | 0.03x | $104.44 Million | $3.63 Billion | ▼ -30.1% |
| 1996 | 0.04x | $139.20 Million | $3.38 Billion | ▼ -14.4% |
| 1995 | 0.05x | $153.70 Million | $3.19 Billion | ▼ -12.6% |
| 1994 | 0.06x | $158.30 Million | $2.87 Billion | ▼ -9.5% |
| 1993 | 0.06x | $165.50 Million | $2.72 Billion | ▼ -22.3% |
| 1992 | 0.08x | $198.60 Million | $2.53 Billion | ▲ +11.3% |
| 1991 | 0.07x | $168.50 Million | $2.39 Billion | ▲ +10.9% |
| 1990 | 0.06x | $156.80 Million | $2.47 Billion | — |