Horace Mann Educators Corporation (HMN) — Financial Flexibility Index
Horace Mann Educators Corporation (HMN) has a Financial Flexibility Index of 0.02x as of June 2026. Free cash flow of $223.70 Million (operating CF $223.70 Million minus capex $0.00) represents 0% of total liabilities ($14.10 Billion). Check HMN capex plus investments ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Horace Mann Educators Corporation Financial Flexibility Index (1990–2025)
Historical Financial Flexibility Index trend for Horace Mann Educators Corporation across 36 annual periods. For the full cash flow conversion analysis, see HMN operating cash flow.
Annual Financial Flexibility Index for Horace Mann Educators Corporation (1990–2025)
Year-by-year free cash flow to debt coverage for Horace Mann Educators Corporation. Explore HMN debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.04x | $553.20 Million | $553.20 Million | $13.78 Billion | ▲ +17.2% |
| 2024 | 0.03x | $452.10 Million | $452.10 Million | $13.20 Billion | ▼ -5.8% |
| 2023 | 0.04x | $467.90 Million | $302.10 Million | $12.87 Billion | ▲ +114.2% |
| 2022 | 0.02x | $207.20 Million | $171.50 Million | $12.21 Billion | ▲ +3.0% |
| 2021 | 0.02x | $207.20 Million | $204.90 Million | $12.58 Billion | ▼ -46.3% |
| 2020 | 0.03x | $358.25 Million | $259.79 Million | $11.68 Billion | ▼ -44.7% |
| 2019 | 0.06x | $605.03 Million | $127.57 Million | $10.91 Billion | ▲ +168.6% |
| 2018 | 0.02x | $201.07 Million | $200.89 Million | $9.74 Billion | ▼ -58.8% |
| 2017 | 0.05x | $485.25 Million | $256.59 Million | $9.70 Billion | ▲ +124.0% |
| 2016 | 0.02x | $207.42 Million | $207.42 Million | $9.28 Billion | ▼ -5.4% |
| 2015 | 0.02x | $207.71 Million | $207.71 Million | $8.79 Billion | ▼ -10.3% |
| 2014 | 0.03x | $221.93 Million | $221.93 Million | $8.43 Billion | ▼ -1.2% |
| 2013 | 0.03x | $205.94 Million | $205.94 Million | $7.73 Billion | ▼ -8.8% |
| 2012 | 0.03x | $202.85 Million | $202.85 Million | $6.94 Billion | ▲ +60.8% |
| 2011 | 0.02x | $115.88 Million | $115.88 Million | $6.38 Billion | ▼ -29.5% |
| 2010 | 0.03x | $157.75 Million | $157.75 Million | $6.13 Billion | ▼ -19.0% |
| 2009 | 0.03x | $178.90 Million | $178.90 Million | $5.62 Billion | ▲ +1.0% |
| 2008 | 0.03x | $162.85 Million | $162.85 Million | $5.17 Billion | ▼ -12.4% |
| 2007 | 0.04x | $201.65 Million | $201.65 Million | $5.61 Billion | ▲ +10.7% |
| 2006 | 0.03x | $185.81 Million | $185.81 Million | $5.72 Billion | ▲ +3.4% |
| 2005 | 0.03x | $165.17 Million | $165.17 Million | $5.26 Billion | ▼ -8.1% |
| 2004 | 0.03x | $167.28 Million | $167.28 Million | $4.89 Billion | ▲ +24.1% |
| 2003 | 0.03x | $121.83 Million | $121.83 Million | $4.42 Billion | ▼ -33.7% |
| 2002 | 0.04x | $165.47 Million | $165.47 Million | $3.98 Billion | ▲ +11.5% |
| 2001 | 0.04x | $148.86 Million | $148.86 Million | $4.00 Billion | ▲ +19.7% |
| 2000 | 0.03x | $124.25 Million | $124.25 Million | $3.99 Billion | ▼ -19.0% |
| 1999 | 0.04x | $148.15 Million | $148.15 Million | $3.85 Billion | ▲ +16.4% |
| 1998 | 0.03x | $128.77 Million | $128.77 Million | $3.90 Billion | ▲ +14.7% |
| 1997 | 0.03x | $104.44 Million | $104.44 Million | $3.63 Billion | ▼ -30.1% |
| 1996 | 0.04x | $139.20 Million | $139.20 Million | $3.38 Billion | ▼ -14.4% |
| 1995 | 0.05x | $153.70 Million | $153.70 Million | $3.19 Billion | ▼ -12.6% |
| 1994 | 0.06x | $158.30 Million | $158.30 Million | $2.87 Billion | ▼ -9.5% |
| 1993 | 0.06x | $165.50 Million | $165.50 Million | $2.72 Billion | ▼ -22.3% |
| 1992 | 0.08x | $198.60 Million | $198.60 Million | $2.53 Billion | ▲ +11.3% |
| 1991 | 0.07x | $168.50 Million | $168.50 Million | $2.39 Billion | ▲ +10.9% |
| 1990 | 0.06x | $156.80 Million | $156.80 Million | $2.47 Billion | — |