HMN
Horace Mann Educators·NYSE
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HMN fundamentals
Horace Mann Educators (HMN) released its earnings on Nov 4, 2025: revenue was 438.50M (YoY +6.41%), beat estimates; EPS was 1.36 (YoY +63.86%), beat estimates.
Revenue / YoY
438.50M
+6.41%
EPS / YoY
1.36
+63.86%
Report date
Nov 4, 2025
HMN Earnings Call Summary for Q3,2025
- Record Q3 EPS growth: Core EPS of $1.36 (+64% YoY) driven by 40%+ sales growth in Supplemental and Group Benefits.
- AI efficiency gains: GenAI automates 20-30% of customer care tasks, reducing administrative costs and turnover.
- Strategic investments: $3-$7M Q4 donation to educators, expanded agent network, and new cancer coverage product.
- Financial strength: Full-year EPS guidance raised to $4.50-$4.70, supported by $65M catastrophe loss assumption and 15qtr+ core yield spread benefit.
- Sustainability focus: 1.5pt expense ratio reduction target over 3 years through scale-building investments.
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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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You can ask Aime
What is the market's earnings forecast for Horace Mann Educators next quarter?Did Horace Mann Educators beat or miss consensus estimates last quarter?What guidance did Horace Mann Educators's management provide for the next earnings period?What is Horace Mann Educators's gross profit margin?What is Horace Mann Educators's latest dividend and current dividend yield?What factors drove the changes in Horace Mann Educators's revenue and profit?What were the key takeaways from Horace Mann Educators’s earnings call?What were the key takeaways from Horace Mann Educators's earnings call?
