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Sep 30, 2025
Horace Mann Q3 2025 Earnings Report
Horace Mann reported its third-quarter 2025 financial results, highlighting strong profitability and sustained growth across its diversified business.
Key Takeaways
Horace Mann delivered a strong third quarter in 2025, with net income rising 70% to $58.3 million and record core earnings of $56.6 million. Total revenue increased by 6.4%, and the Property & Casualty segment's combined ratio improved significantly. The company also raised its full-year 2025 core EPS guidance.
Net income for the third quarter increased by 70% to $58.3 million, or $1.40 per diluted share.
Record core earnings reached $56.6 million, or $1.36 per diluted share, a 63.9% increase year-over-year.
Total revenues grew by 6.4% to $438.5 million, driven by a 7% increase in net premiums and contract charges earned.
The Property & Casualty segment's combined ratio improved by over 10 points to 87.8% compared to the prior year.
Forward Guidance
Horace Mann increased its full-year 2025 core EPS guidance to a range of $4.50 to $4.70, anticipating record annual core earnings and a double-digit shareholder return on equity.
Positive Outlook
- Full-year 2025 core EPS guidance increased to $4.50 to $4.70.
- On track to achieve record annual core earnings for 2025.
- Expected to deliver a double-digit shareholder return on equity for 2025.
- Continued execution on strategy to drive sustained, profitable growth.
- Property & Casualty catastrophe costs were meaningfully below prior year and recent prior periods.
Challenges Ahead
- No specific negative forward guidance points were mentioned in the report.
- Market or competitive conditions could impact the ability to execute strategy.
- Risks and uncertainties, many difficult to predict, could cause actual results to differ.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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