HMN
Horace Mann Educators·NYSE
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HMN fundamentals
Horace Mann Educators (HMN) released its earnings on Feb 3, 2026: revenue was 434.80M (YoY +6.31%), beat estimates; EPS was 1.21 (YoY -25.31%), beat estimates.
Revenue / YoY
434.80M
+6.31%
EPS / YoY
1.21
-25.31%
Report date
Feb 3, 2026
HMN Earnings Call Summary for Q4,2025
Key Takeaways:
- Record Performance: 2025 core EPS $4.71 (13% growth), driven by 7% premium growth and 35% brand awareness expansion.
- Segment Strength: P&C combined ratio 84.3% (vs 89.7% reported), Life sales +21%, Supplemental sales +40%.
- 2026 Guidance: Core EPS $4.20-$4.50 (10%+ growth vs normalized baseline), targeting 10% CAGR and 12-13% ROE.
- Expense Efficiency: 2025 actions to reduce expense ratio 25-50bps in 2026, 50-75bps by 2028.
- Share Buybacks: $21M in 2025, $49M remaining in 2026 authorization at current multiples.
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Key Indicators
Horace Mann Educators (HMN) key financial stats and ratios, covering profitability, financial health, and leverage.
Horace Mann Educators (HMN)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Horace Mann Educators (HMN)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Horace Mann Educators (HMN)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does Horace Mann Educators (HMN) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Horace Mann Educators (HMN) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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What were the key takeaways from Horace Mann Educators's earnings call?What is the revenue and EPS growth rate for Horace Mann Educators year over year?Did Horace Mann Educators beat or miss consensus estimates last quarter?What were the key takeaways from Horace Mann Educators’s earnings call?What is Horace Mann Educators's gross profit margin?What is the market's earnings forecast for Horace Mann Educators next quarter?What does Horace Mann Educators do and what are its main business segments?What is Horace Mann Educators's latest dividend and current dividend yield?
