HORACE MANN EDUCATORS (HMN)

Compare to the relevant previous number. (Y2Y or Q2Q)

'Revenue' or 'Sales' is the total amount of money generated from business operations.

'Gross Premiums Earned' describes the returns from premiums.

'Loss Claims' is the total amount the insurance company had to pay out due to loss claims.

'Deferred Policy Acquisition Expense' describes the sales cost to acquire new customers.

'Operating Expenses' are the remaining expenses, not included in 'Cost Of Goods'

'EBIT' or 'Operating Income' is the Gross Profit minus the Operating expenses, or also the Earnings Before Interest and Taxes

'Interest Expense' is the net amount spent or received on interests from borrowings.

'Non Recurring Items'.

'Income Before Taxes' is the total of Revenue minus expenses, before Tax.

'Income Tax' is the total Tax paid.

'Net Income' is the total profit or loss of the company.

'EBITDA' is the net income with interest, taxes, depreciation, and amortization added back. It is used to analyze the profitability of a company while eliminating the effect of financing.

'Earnings Per Share' or the Net Income Per Share outstanding, including all convertible securities for Total Operations

'Non GAAP Earnings Per Share, excluding any non-recurring item. This is the number used for EPS growth data and can be compared with analyst estimates for future periods.'

The 'Profit Margin' is the Net Profit compared to revenue as a percentage

The 'Operating Profit Margin' is the Operating Income compared to revenue as a percentage