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Horace Mann Educators (HMN)
:HMN
US Market
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Horace Mann Educators (HMN) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Feb 11, 2026
After Close (Confirmed)
Period Ending
2025 (Q4)
Consensus EPS Forecast
1.24
Last Year’s EPS
1.62
Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings

Earnings Call Summary

Q3 2025
Earnings Call Date:Nov 04, 2025|
% Change Since:
|
Earnings Call Sentiment|Positive
The earnings call presented a very strong performance with record EPS, increased guidance, strong segment performances, and significant strategic growth initiatives. Despite minor challenges such as decreased auto retention and elevated expenses due to growth investments, the overall sentiment is highly positive due to the company's robust execution and strategic positioning.
Company Guidance
In the third quarter of 2025, Horace Mann Educators achieved a record core EPS of $1.36, marking a 64% increase from the previous year. The company reported a 13.8% trailing 12-month core return on equity and increased its full-year core EPS guidance to a range of $4.50 to $4.70. Total revenues grew by 6% year-over-year, with net premiums and contract charges earned rising over 7%. The Supplemental and Group Benefits segment saw individual supplemental sales rise by 40%, while Group Benefits sales nearly doubled. Property and Casualty performance was strong, with a total combined ratio of 91.4% and an auto combined ratio of 96.4%, both aligning with targets. Property profitability was notable, with a combined ratio of 83.1%, well below the target of 90%. Year-to-date pretax catastrophe losses were $56 million, compared to $91 million the previous year. Life and Retirement segments benefited from strong net investment income, with the core new money yield exceeding book yield by more than 100 basis points. Horace Mann also focused on strategic investments, boosting brand engagement in the education sector and enhancing digital lead generation, which saw website visits increase by 120% year-over-year. The company remains committed to a 10% compound annual growth rate in core EPS and maintaining a 12% to 13% core return on equity by 2028.
Record Third Quarter Core EPS
Horace Mann reported record third quarter core EPS of $1.36, a 64% increase over the prior year.
Significant Increase in Full Year Core EPS Guidance
The company raised its full year core EPS guidance to a range of $4.50 to $4.70.
Strong Performance Across All Segments
Business profitability across all segments is in line with or above target levels, with total revenues for the quarter up 6% and net premiums and contract charges earned up over 7%.
Growth in Supplemental and Group Benefits Segment
Individual supplemental sales increased by 40%, and Group Benefits sales nearly doubled in the quarter.
Decreased Catastrophe Losses
Pretax catastrophe losses year-to-date were $56 million compared to $91 million last year, reflecting lighter severe weather activity.
Strategic Partnerships and Brand Engagement
New partnerships with Teach for America and Grand Canyon University, and increased brand awareness through events like Crayola Creativity Week.
Shareholder Value Creation
The company returned $20 million of capital to shareholders through share repurchases and $43 million through dividends.

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

HMN Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Feb 11, 2026
2025 (Q4)
1.24 / -
1.62
Nov 04, 2025
2025 (Q3)
1.16 / 1.36
0.7678.95% (+0.60)
Aug 06, 2025
2025 (Q2)
0.60 / 1.07
0.2433.00% (+0.87)
May 06, 2025
2025 (Q1)
0.97 / 1.07
0.678.33% (+0.47)
Feb 05, 2025
2024 (Q4)
1.02 / 1.62
0.8492.86% (+0.78)
Nov 04, 2024
2024 (Q3)
0.72 / 0.76
0.4472.73% (+0.32)
Aug 07, 2024
2024 (Q2)
0.19 / 0.20
0.03566.67% (+0.17)
May 08, 2024
2024 (Q1)
0.78 / 0.60
0.23160.87% (+0.37)
Feb 07, 2024
2023 (Q4)
0.67 / 0.84
-0.11863.64% (+0.95)
Nov 02, 2023
2023 (Q3)
0.41 / 0.44
0.66-33.33% (-0.22)
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
Nov 04, 2025
$45.24$46.75+3.34%
Aug 06, 2025
$42.02$43.08+2.52%
May 06, 2025
$40.96$41.06+0.24%
Feb 05, 2025
$37.91$39.85+5.12%
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 (HMN) report earnings?
Horace Mann Educators (HMN) is schdueled to report earning on Feb 11, 2026, After Close (Confirmed).
    What is Horace Mann Educators (HMN) earnings time?
    Horace Mann Educators (HMN) earnings time is at Feb 11, 2026, 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 (Q4) is 1.24.
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