HMN (Horace Mann Educators) LT-Debt-to-Total-Asset: 0.04 (As of Mar. 2026)

What is Horace Mann Educators LT-Debt-to-Total-Asset?

Horace Mann Educators HMN +0.89% 76 LT-Debt-to-Total-Asset is 0.04 as of Mar. 2026. GuruFocus rates HMN with a GF Score™ of 76/100 and a GF Value™ of $43.20 (Modestly Overvalued). The stock has 8 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Horace Mann Educators's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.04.

Horace Mann Educators's long-term debt to total assets ratio increased from Mar. 2025 (0.04) to Mar. 2026 (0.04). It may suggest that Horace Mann Educators is progressively becoming more dependent on debt to grow their business.

Horace Mann Educators (NYSE:HMN) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Horace Mann Educators LT-Debt-to-Total-Asset Related Terms

Horace Mann Educators LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Horace Mann Educators's LT-Debt-to-Total-Asset can be seen below:

* 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.

Horace Mann Educators LT-Debt-to-Total-Asset Chart

Horace Mann Educators Annual Data

Trend

Dec16

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Dec20

Dec21

Dec22

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Dec25

LT-Debt-to-Total-Asset

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0.02

0.04

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
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.04	0.04	0.05	0.04	0.04

76GF Score

Horace Mann Educators Corp HMN

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Horace Mann Educators LT-Debt-to-Total-Asset Calculation

Horace Mann Educators's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	593.4	/	15266.6
	=	0.04

Horace Mann Educators's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	593.8	/	14965.9
	=	0.04

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.04 mean?

Horace Mann Educators (HMN) has a LT-Debt-to-Total-Asset of 0.04 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Horace Mann Educators and its competitors.

Is Horace Mann Educators' LT-Debt-to-Total-Asset too high?

Horace Mann Educators' current LT-Debt-to-Total-Asset is 0.04. Overall, Horace Mann Educators has a GF Score™ of 76/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Horace Mann Educators' LT-Debt-to-Total-Asset compare to STC and SLDE?

Horace Mann Educators' LT-Debt-to-Total-Asset of 0.04 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 LT-Debt-to-Total-Asset for an Insurance company?

A good LT-Debt-to-Total-Asset depends on the Insurance industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Horace Mann Educators and its competitors. Horace Mann Educators's current LT-Debt-to-Total-Asset is 0.04. 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 $52.06 — trading 20.5% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.04. Horace Mann Educators' overall GF Score™ is 76/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Horace Mann Educators (HMN), the current LT-Debt-to-Total-Asset is 0.04 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 $52.06 is trading 20.5% above its estimated GF Value™ of $43.20. GuruFocus considers Horace Mann Educators to be Modestly Overvalued.

Key valuation signals for HMN:

LT-Debt-to-Total-Asset: 0.04
GF Value™: $43.20 vs. price of $52.06 (20.5% above fair value)
GF Score™: 76/100 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.

76GF Score

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$52.06

Price

$43.20

GF Value

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