HMN (Horace Mann Educators) Interest Expense: $-37 Mil (TTM As of Mar. 2026)

What is Horace Mann Educators Interest Expense?

Horace Mann Educators HMN -0.79% 73 Interest Expense is $-37 Mil as of Mar. 2026. GuruFocus rates HMN with a GF Score™ of 73/100 and a GF Value™ of $43.20 (Modestly Overvalued). The stock has 8 warning signs investors should review.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. Horace Mann Educators's interest expense for the three months ended in Mar. 2026 was $ -10 Mil. Its interest expense for the trailing twelve months (TTM) ended in Mar. 2026 was $-37 Mil.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income(EBIT) by its Interest Expense. Horace Mann Educators's Operating Income for the three months ended in Mar. 2026 was $ 60 Mil. Horace Mann Educators's Interest Expense for the three months ended in Mar. 2026 was $ -10 Mil. Horace Mann Educators's Interest Coverage for the quarter that ended in Mar. 2026 was 6.28. The higher the ratio, the stronger the company's financial strength is. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Horace Mann Educators (NYSE:HMN) Interest Expense Explanation

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Horace Mann Educators's Interest Expense for the three months ended in Mar. 2026 was $-10 Mil. Its EBIT for the three months ended in Mar. 2026 was $60 Mil. And its Long-Term Debt & Capital Lease Obligation for the three months ended in Mar. 2026 was $594 Mil.

Horace Mann Educators's Interest Coverage for the quarter that ended in Mar. 2026 is calculated as

Interest Coverage	=	-1	*	EBIT (Q: Mar. 2026 )	/	Interest Expense (Q: Mar. 2026 )
	=	-1	*	59.7	/	-9.5
	=	6.28

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

The higher the ratio, the stronger the company's financial strength is.

Horace Mann Educators Interest Expense Historical Data

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The historical data trend for Horace Mann Educators's Interest Expense can be seen below:

Horace Mann Educators Interest Expense Chart

Horace Mann Educators Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

Interest Expense

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-13.90

-19.40

-29.70

-34.60

-36.40

Horace Mann Educators Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
Interest Expense	Get a 7-Day Free Trial															-8.90	-8.60	-8.90	-10.00	-9.50

73GF Score

Horace Mann Educators Corp HMN

Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.

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Horace Mann Educators Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

Interest Expense for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-37 Mil.

Frequently Asked Questions Learn more about Interest Expense →

What does a Interest Expense of $-37 Mil mean?

Horace Mann Educators (HMN) has a Interest Expense of $-37 Mil as of Mar. 2026. Interest Expense is the amount a company pays on its long-term debt. View historical data on Horace Mann Educators and its competitors.

Is Horace Mann Educators' Interest Expense too high?

Horace Mann Educators' current Interest Expense is $-37 Mil. Overall, Horace Mann Educators has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Horace Mann Educators' Interest Expense compare to STC and SLDE?

Horace Mann Educators' Interest Expense of $-37 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good Interest Expense for an Insurance company?

A good Interest Expense depends on the Insurance industry context. However, Interest Expense should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high Interest Expense mean?

A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on Horace Mann Educators and its competitors. Horace Mann Educators's current Interest Expense is $-37 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Horace Mann Educators stock overvalued right now?

Based on GuruFocus' analysis, Horace Mann Educators (HMN) is currently considered Modestly Overvalued. The stock's GF Value™ is $43.20, compared to a current price of $51.65 — trading 19.6% above its estimated fair value. The current Interest Expense is $-37 Mil. Horace Mann Educators' overall GF Score™ is 73/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is Interest Expense calculated?

Interest Expense is calculated from a company's financial statements. For Horace Mann Educators (HMN), the current Interest Expense is $-37 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Horace Mann Educators (HMN) Overvalued in 2026?

Based on GuruFocus' analysis, Horace Mann Educators stock appears to be overvalued. The current stock price of $51.65 is trading 19.6% above its estimated GF Value™ of $43.20. GuruFocus considers Horace Mann Educators to be Modestly Overvalued.

Key valuation signals for HMN:

Interest Expense: $-37 Mil
GF Value™: $43.20 vs. price of $51.65 (19.6% above fair value)
GF Score™: 73/100 with 8 warning signs

No single metric tells the full story. See the HMN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Horace Mann Educators Business Description

Industry Financial Services Insurance

Comparable Companies STC SLDE HCI SKWD KMPR PRCH UFCS PRA HGTY UVE CB PGR TSE:8766 TRV ALL HKSE:01339 HKSE:02328 TSE:8725 TSX:IFC TSX:FFH

Address 1 Horace Mann Plaza, Springfield, IL, USA, 62715-0001

Website https://www.horacemann.com

Horace Mann Educators Corp is a diversified insurance holding company that markets and underwrites personal lines of property and casualty insurance, retirement annuities, and life insurance. The company's property and casualty operations focus on automobile and homeowner insurance, while the retirement annuities are tax-qualified products. Horace Mann Educators markets its products to kindergarten through 12th-grade teachers, administrators, and other employees of public schools and their families. The Company conducts and manages its business in four reporting segments: (1) Property & Casualty, (2) Life & Retirement, (3) Supplemental & Group Benefits and (4) Corporate & Other.

73GF Score

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$51.65

Price

$43.20

GF Value

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