The earnings call presented a predominantly positive outlook with significant improvements in core earnings, increased guidance, and strong performance across multiple segments. Although there are some concerns about potential future catastrophe losses and a small decline in risks in force, the positive highlights significantly outweigh the lowlights.

Company Guidance

In the Horace Mann Educators' Second Quarter 2025 Results Conference Call, the company reported a significant improvement in financial performance, with core earnings per share reaching $1.06, nearly tripling from the prior year. Total revenues increased by 6%, and net premiums and contract charges earned were up by 8%. The Property and Casualty segment saw a combined ratio improvement to 97%, with core earnings rising by $25 million from the previous year's segment loss. Catastrophe losses contributed 15 points to the combined ratio, reflecting an 8-point improvement from the previous year. The Life and Retirement segment also saw a doubling of core earnings, driven by higher net investment income and lower mortality costs. The Individual Supplemental and Group Benefits segment achieved record sales, with a 43% increase in second-quarter sales compared to the previous year. The company increased its full-year 2025 core EPS guidance to a range of $4.15 to $4.45, citing strong underlying business performance. Horace Mann aims for a 10% average compound annual growth rate in core EPS and a sustained 12% to 13% core return on equity by 2028, supported by strategic investments in technology and partnerships.

Significant Increase in Core Earnings Per Share

Second quarter core earnings per share reached $1.06, a nearly threefold increase over the prior year.

Increase in Full Year 2025 Core EPS Guidance

The company increased its full-year 2025 core EPS guidance to a range of $4.15 to $4.45, reflecting strong first-half performance.

Improvement in Property and Casualty Segment

The Property and Casualty segment reported a combined ratio of 97%, a nearly 15-point improvement over the prior year, with core earnings of $17 million.

Record Sales in Individual Supplemental Segment

Second quarter sales in the Individual Supplemental segment reached $6 million, a 43% increase over the prior year, with year-to-date sales up over 50%.

Strong Performance in Life and Retirement Segment

Core earnings in the Life and Retirement segment doubled compared to last year, driven by higher net investment income and lower mortality costs.

Increased Website Traffic

Website traffic increased by 75% over the prior year, indicating successful lead generation and marketing efforts.

Strong Investment Returns

Limited partnership and commercial mortgage loan fund returns were significantly improved, with annualized returns of 10% and 7%, respectively.

Horace Mann Educators (HMN) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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HMN Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 30, 2025	2025 (Q3)	0.99 / -	0.76	―	―	―
Aug 06, 2025	2025 (Q2)	0.60 / 1.07	0.2	433.00% (+0.87)
May 06, 2025	2025 (Q1)	0.97 / 1.07	0.6	78.33% (+0.47)
Feb 05, 2025	2024 (Q4)	1.02 / 1.62	0.84	92.86% (+0.78)
Nov 04, 2024	2024 (Q3)	0.72 / 0.76	0.44	72.73% (+0.32)
Aug 07, 2024	2024 (Q2)	0.19 / 0.20	0.03	566.67% (+0.17)
May 08, 2024	2024 (Q1)	0.78 / 0.60	0.23	160.87% (+0.37)
Feb 07, 2024	2023 (Q4)	0.67 / 0.84	-0.11	863.64% (+0.95)
Nov 02, 2023	2023 (Q3)	0.41 / 0.44	0.66	-33.33% (-0.22)
Aug 01, 2023	2023 (Q2)	0.02 / 0.03	-0.01	400.00% (+0.04)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

HMN Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 06, 2025	$42.34	$43.40	+2.50%
May 06, 2025	$41.27	$41.37	+0.24%
Feb 05, 2025	$38.19	$40.15	+5.13%
Nov 04, 2024	$36.46	$38.31	+5.07%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Horace Mann Educators Corp. (HMN) report earnings?

Horace Mann Educators Corp. (HMN) is schdueled to report earning on Oct 30, 2025, After Close (Confirmed).

What is Horace Mann Educators Corp. (HMN) earnings time?

Horace Mann Educators Corp. (HMN) earnings time is at Oct 30, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is HMN EPS forecast?

HMN EPS forecast for the fiscal quarter 2025 (Q3) is 0.99.

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