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Horace Mann Educators (HMN) investor relations material
Horace Mann Educators Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary5 Nov, 2025
Executive summary
Achieved record third-quarter core earnings of $57 million ($1.36 per share), with net income up 70% year-over-year to $58.3 million, and strong profitability across all segments, especially in Property & Casualty and Group Benefits.
Total revenues rose 6% to $439 million, with net premiums and contract charges earned up over 7% year-over-year.
Sales momentum was robust, with Group sales up 91%, Individual Supplemental up 41%, Life up 16%, Retirement deposits up 9%, Property up 8%, and Auto up 4% compared to the prior year.
All business segments performed at or above target profitability, supporting accelerated investments in growth and year-to-date results ahead of 2025 financial goals.
Book value per share grew 11.7% year-over-year to $35.31, and annualized net income ROE reached 16.6% for Q3 2025.
Financial highlights
Core earnings per share (EPS) for Q3 was $1.36, up 64% from the prior year quarter; diluted EPS was $1.40 for Q3 2025.
Core ROE reached 13.8%, a 6.4-point improvement year-over-year.
Net premiums and contract charges earned rose 7.3% for the quarter, led by Property & Casualty and Supplemental & Group Benefits growth.
Property & Casualty (P&C) core earnings tripled year-over-year to $32 million; combined ratio improved to 87.8%, over 10 points better than the prior year.
Book value per share grew 11.7% year-over-year; adjusted book value per share at $39.51 as of September 30, 2025.
Outlook and guidance
Full-year 2025 core EPS guidance raised to $4.50–$4.70, with core earnings expected between $187 million and $195 million.
Management targets double-digit core ROE and record annual core earnings for 2025.
Assumes $65 million in catastrophe losses and net investment income of $473–$477 million.
Long-term targets: 10% average compound annual growth in core EPS and 12–13% core ROE by 2028.
Segment targets: blended benefit ratio of 39% for Supplemental & Group Benefits, mid-90s combined ratio for Auto, and 90 or below for Property.
Assess P&C non-rate actions effectiveness
Quantify accelerated strategic growth investments
GenAI: Future expense savings beyond call notes?
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Next Horace Mann Educators earnings date
Q4 20256 Feb, 2026
Next Horace Mann Educators earnings date
Q4 20256 Feb, 2026
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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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