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Horace Mann Educators
Horace Mann Educators (HMN) investor relations material
Horace Mann Educators Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary4 Feb, 2026
Executive summary
Achieved record 2025 core earnings of $196 million ($4.71 per share) and net income of $162 million ($3.90 per share), with 12.4% ROE, the highest in company history; all segments met or exceeded profitability targets and total revenues rose nearly 7% year-over-year.
Individual Supplemental sales rose nearly 40%, Group Benefits up 33%, and Life sales hit a record, reflecting strong marketing, distribution, and brand awareness initiatives.
Catastrophe losses were unusually light at $62 million, boosting core earnings by $0.55 per share relative to original assumptions.
Expanded educator market reach, increased unaided brand awareness to 35%, and launched the Horace Mann Club for educator support.
Business diversification and a strong balance sheet support consistent shareholder value and a compelling dividend.
Financial highlights
2025 core earnings of $196 million, up 39% over prior year; total net premiums and contract charges earned increased 7%.
Book value per share at year-end was $36.47, up 15.7% year-over-year; adjusted book value per share was $40.21, up 7.1%.
Net income per diluted share for Q4 was $0.87, down 5.4% year-over-year; full-year was $3.90, up 57.3%.
Core ROE (LTM) was 12.4%, up 3.0pts year-over-year.
Property & Casualty core earnings more than doubled to $112 million; combined ratio improved over 8 points to 89.7.
Outlook and guidance
2026 core EPS guidance of $4.20–$4.50, a nearly 10% increase from normalized 2025 baseline.
Management targets sustained, profitable growth in 2026 and beyond, supported by strong segment performance and lower catastrophe losses.
Targets a 10% average compound annual growth rate in core EPS and sustainable 12–13% ROE over three years.
Expense ratio improvement of 100–150 basis points expected, with most gains realized in later years of the plan.
2026 net investment income expected at $485–$495 million; CAT loss assumption set at $90 million.
What drives expense ratio improvement post-2026?
P&C risks in force growth drivers in 2026 H2?
Quantify 2025 normalized EPS adjustments.
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Next Horace Mann Educators earnings date
Q1 20266 May, 2026
Horace Mann Educators
Next Horace Mann Educators earnings date
Q1 20266 May, 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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