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HORACE MANN EDUCATORS CORP（HMN）とONESPAWORLD HOLDINGS Ltd（OSW）の財務データ比較。上の社名をクリックして会社を切り替えられます
HORACE MANN EDUCATORS CORPの直近四半期売上が大きい（$434.8M vs $242.1M、ONESPAWORLD HOLDINGS Ltdの約1.8倍）。ONESPAWORLD HOLDINGS Ltdの前年同期比売上増加率が高い（11.5% vs 6.3%）。過去8四半期でONESPAWORLD HOLDINGS Ltdの売上複合成長率が高い（7.1% vs 6.1%）
ホレスマンは米国イリノイ州に本拠を置く金融サービス企業で、自動車保険、損害保険、補償保険、生命保険を主力事業とし、退職年金や投資信託などの金融商品も提供しています。主に教育関係者とその家族を顧客層としています。
HMN vs OSW — 直接比較
売上が大きい
HMN
1.8倍大きい
$242.1M
売上成長率が高い
OSW
+5.2%の差
6.3%
2年売上CAGRが高い
OSW
2年複合成長率
6.1%
損益計算書 — Q4 FY2025 vs Q4 FY2025
| 指標 | | |
|---|---|---|
| 売上 | $434.8M | $242.1M |
| 純利益 | — | $12.1M |
| 粗利率 | — | — |
| 営業利益率 | 10.5% | 6.8% |
| 純利益率 | — | 5.0% |
| 売上前年比 | 6.3% | 11.5% |
| 純利益前年比 | — | -16.2% |
| EPS（希薄化後） | $0.87 | $0.12 |
緑 = その指標でリード。会計年度がずれている場合は期間が異なる場合あり
8四半期 売上・利益トレンド
並べて比較する四半期履歴。決算期がずれていても暦四半期で整列
売上HMNOSW
| Q4 25 | $434.8M | $242.1M | ||
| Q3 25 | $438.5M | $258.5M | ||
| Q2 25 | $411.7M | $240.7M | ||
| Q1 25 | $416.4M | $219.6M | ||
| Q4 24 | $409.0M | $217.2M | ||
| Q3 24 | $412.1M | $241.7M | ||
| Q2 24 | $388.1M | $224.9M | ||
| Q1 24 | $386.0M | $211.2M |
純利益HMNOSW
| Q4 25 | — | $12.1M | ||
| Q3 25 | $58.3M | $24.3M | ||
| Q2 25 | $29.4M | $19.9M | ||
| Q1 25 | $38.2M | $15.3M | ||
| Q4 24 | — | $14.4M | ||
| Q3 24 | $34.3M | $21.6M | ||
| Q2 24 | $3.8M | $15.8M | ||
| Q1 24 | $26.5M | $21.2M |
営業利益率HMNOSW
| Q4 25 | 10.5% | 6.8% | ||
| Q3 25 | 16.3% | 10.2% | ||
| Q2 25 | 8.9% | 9.2% | ||
| Q1 25 | 11.4% | 7.7% | ||
| Q4 24 | 11.8% | 7.9% | ||
| Q3 24 | 10.4% | 10.3% | ||
| Q2 24 | 1.2% | 8.4% | ||
| Q1 24 | 8.5% | 8.0% |
純利益率HMNOSW
| Q4 25 | — | 5.0% | ||
| Q3 25 | 13.3% | 9.4% | ||
| Q2 25 | 7.1% | 8.3% | ||
| Q1 25 | 9.2% | 7.0% | ||
| Q4 24 | — | 6.6% | ||
| Q3 24 | 8.3% | 8.9% | ||
| Q2 24 | 1.0% | 7.0% | ||
| Q1 24 | 6.9% | 10.0% |
EPS（希薄化後）HMNOSW
| Q4 25 | $0.87 | $0.12 | ||
| Q3 25 | $1.40 | $0.23 | ||
| Q2 25 | $0.71 | $0.19 | ||
| Q1 25 | $0.92 | $0.15 | ||
| Q4 24 | $0.92 | $0.13 | ||
| Q3 24 | $0.83 | $0.20 | ||
| Q2 24 | $0.09 | $0.15 | ||
| Q1 24 | $0.64 | $0.21 |
貸借対照表と財務力
直近四半期の流動性・レバレッジ・純資産のスナップショット
| 指標 | | |
|---|---|---|
| 現金・短期投資手元流動性 | $27.5M | $16.3M |
| 総負債低いほど良い | $593.4M | $84.0M |
| 株主資本純資産 | $1.5B | $542.6M |
| 総資産 | $15.3B | $707.1M |
| 負債/資本比率低いほどレバレッジが低い | 0.40× | 0.15× |
8四半期トレンド — 暦四半期で整列
現金・短期投資HMNOSW
| Q4 25 | $27.5M | $16.3M | ||
| Q3 25 | $46.7M | $29.6M | ||
| Q2 25 | — | $35.0M | ||
| Q1 25 | — | $22.6M | ||
| Q4 24 | $38.1M | $57.4M | ||
| Q3 24 | — | $48.8M | ||
| Q2 24 | — | $62.5M | ||
| Q1 24 | — | $65.4M |
総負債HMNOSW
| Q4 25 | $593.4M | $84.0M | ||
| Q3 25 | $842.9M | $85.2M | ||
| Q2 25 | $547.5M | $96.2M | ||
| Q1 25 | $547.2M | $97.4M | ||
| Q4 24 | $547.0M | $98.6M | ||
| Q3 24 | $546.7M | $98.7M | ||
| Q2 24 | $546.5M | $123.8M | ||
| Q1 24 | $546.2M | $138.6M |
株主資本HMNOSW
| Q4 25 | $1.5B | $542.6M | ||
| Q3 25 | $1.4B | $552.8M | ||
| Q2 25 | $1.4B | $548.3M | ||
| Q1 25 | $1.3B | $530.6M | ||
| Q4 24 | $1.3B | $554.5M | ||
| Q3 24 | $1.3B | $540.1M | ||
| Q2 24 | $1.2B | $532.7M | ||
| Q1 24 | $1.2B | $515.5M |
総資産HMNOSW
| Q4 25 | $15.3B | $707.1M | ||
| Q3 25 | $15.5B | $732.6M | ||
| Q2 25 | $14.7B | $731.8M | ||
| Q1 25 | $14.4B | $708.7M | ||
| Q4 24 | $14.5B | $746.4M | ||
| Q3 24 | $14.7B | $734.0M | ||
| Q2 24 | $14.3B | $756.8M | ||
| Q1 24 | $14.2B | $763.6M |
負債/資本比率HMNOSW
| Q4 25 | 0.40× | 0.15× | ||
| Q3 25 | 0.58× | 0.15× | ||
| Q2 25 | 0.40× | 0.18× | ||
| Q1 25 | 0.41× | 0.18× | ||
| Q4 24 | 0.42× | 0.18× | ||
| Q3 24 | 0.42× | 0.18× | ||
| Q2 24 | 0.45× | 0.23× | ||
| Q1 24 | 0.45× | 0.27× |
キャッシュフローと資本効率
再投資後に実際に生み出すキャッシュ。純利益より操作が難しい
| 指標 | | |
|---|---|---|
| 営業キャッシュフロー直近四半期 | $553.2M | $20.0M |
| フリーキャッシュフロー営業CF - 設備投資 | — | $14.9M |
| FCFマージンFCF / 売上 | — | 6.2% |
| 設備投資強度設備投資 / 売上 | — | 2.1% |
| キャッシュ転換率営業CF / 純利益 | — | 1.65× |
| 直近12ヶ月FCF直近4四半期 | — | $68.4M |
8四半期トレンド — 暦四半期で整列
営業キャッシュフローHMNOSW
| Q4 25 | $553.2M | $20.0M | ||
| Q3 25 | $151.2M | $33.2M | ||
| Q2 25 | $131.3M | $20.3M | ||
| Q1 25 | $140.8M | $10.1M | ||
| Q4 24 | $452.1M | $16.6M | ||
| Q3 24 | $143.9M | $28.6M | ||
| Q2 24 | $40.2M | $18.7M | ||
| Q1 24 | $74.5M | $15.0M |
フリーキャッシュフローHMNOSW
| Q4 25 | — | $14.9M | ||
| Q3 25 | — | $27.6M | ||
| Q2 25 | — | $17.6M | ||
| Q1 25 | — | $8.4M | ||
| Q4 24 | — | $13.2M | ||
| Q3 24 | — | $27.5M | ||
| Q2 24 | — | $17.6M | ||
| Q1 24 | — | $13.7M |
FCFマージンHMNOSW
| Q4 25 | — | 6.2% | ||
| Q3 25 | — | 10.7% | ||
| Q2 25 | — | 7.3% | ||
| Q1 25 | — | 3.8% | ||
| Q4 24 | — | 6.1% | ||
| Q3 24 | — | 11.4% | ||
| Q2 24 | — | 7.8% | ||
| Q1 24 | — | 6.5% |
設備投資強度HMNOSW
| Q4 25 | — | 2.1% | ||
| Q3 25 | — | 2.2% | ||
| Q2 25 | — | 1.1% | ||
| Q1 25 | — | 0.8% | ||
| Q4 24 | — | 1.5% | ||
| Q3 24 | — | 0.5% | ||
| Q2 24 | — | 0.5% | ||
| Q1 24 | — | 0.6% |
キャッシュ転換率HMNOSW
| Q4 25 | — | 1.65× | ||
| Q3 25 | 2.59× | 1.36× | ||
| Q2 25 | 4.47× | 1.02× | ||
| Q1 25 | 3.69× | 0.66× | ||
| Q4 24 | — | 1.15× | ||
| Q3 24 | 4.20× | 1.33× | ||
| Q2 24 | 10.58× | 1.19× | ||
| Q1 24 | 2.81× | 0.71× |
財務フロー比較
売上 → 粗利 → 営業利益 → 純利益のサンキー図
セグメント別売上内訳
HMN
| Property And Casualty | $224.3M | 52% |
| Life And Retirement | $139.6M | 32% |
| Supplemental And Group Benefits | $77.0M | 18% |
OSW
| Services | $197.3M | 82% |
| Products | $44.8M | 18% |
