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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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Horace Mann Educators (HMN) investor relations material
Horace Mann Educators Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary7 Aug, 2025
Executive summary
Second-quarter net income reached $29.4M, up sharply year-over-year, with core EPS of $1.06 and total revenues up 6%.
Core ROE for the quarter was 12.6%, up 6.1 points year-over-year, with all business segments at or near profitability targets.
Life & Retirement core earnings doubled year-over-year, driven by higher investment income and lower mortality costs.
Individual Supplemental sales hit a record, up 43% year-over-year, supporting overall revenue growth.
Catastrophe losses were significantly lower than prior periods, contributing to improved profitability.
Financial highlights
Core earnings for the quarter were $44M ($1.06 per share), nearly tripling year-over-year.
Total revenues reached $412M, up 6% year-over-year; net premiums and contract charges earned increased 8%.
Property & Casualty segment core earnings were $17M, a $25M improvement from a loss last year; combined ratio improved to 97%.
Book value per share rose 12.5% year-over-year to $33.31; adjusted book value per share at $38.46.
Net investment income rose 2.2% to $110.8M for the quarter, with higher returns from fixed income and limited partnerships.
Outlook and guidance
Full-year 2025 core EPS guidance raised to $4.15–$4.45, reflecting strong first-half performance.
Catastrophe loss guidance remains at $90M for the year, based on a five-year historical average.
Net investment income expected between $470M–$480M pre-tax for 2025.
Long-term goals: 10% average compound annual growth in core EPS and 12–13% core ROE by 2028.
Property & Casualty segment targets: Auto combined ratio in mid-90s, Property at 90 or below.
Rationale for full-year cat loss guidance?
Drivers for auto PIF stabilization and growth
Impact of new money yields on L&R earnings
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Next Horace Mann Educators earnings date
Q3 20255 Nov, 2025
Next Horace Mann Educators earnings date
Q3 20255 Nov, 2025
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Frequently asked questions
Horace Mann Educators Corporation provides insurance and financial services tailored to educators and school employees. Its offerings include auto, property, life, and supplemental insurance, as well as retirement and investment solutions. The company is headquartered in Springfield, Illinois, and its shares are listed on the NYSE.
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