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Horace Mann Educators (HMN)
:HMN
Earnings Data
Report Date
May 06, 2025TBA Not Confirmed
Period Ending
2025 (Q1)Consensus EPS Forecast
1.01Last Year’s EPS
0.6Same Quarter Last Year
Based on 3 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Feb 05, 2025
|% Change Since: 2.47%
|Next Earnings Date:May 06, 2025
Earnings Call Sentiment|Positive
The earnings call highlighted significant achievements in profitability restoration and growth across multiple segments, demonstrating strong financial performance and strategic advancements. However, challenges such as the impact of California wildfires and lower earnings in the life and retirement segment were noted, but they were outweighed by the positive outcomes.Company Guidance
During the Horace Mann Educators 2024 Fourth Quarter Investor call, the company provided guidance for 2025, focusing on continued profitability and growth. They reported record fourth-quarter core earnings of $1.62 per share, a 93% increase year-over-year, and a full-year 2024 core EPS of $3.18, more than doubling the prior year's results. The guidance for 2025 anticipates core earnings between $3.60 and $3.90 per share, with a return on equity of at least 10%. The company aims to maintain a property and casualty combined ratio in the mid-90s, reflecting ongoing efforts to manage risk and improve profitability. They expect net investment income to be between $470 million and $480 million, with a focus on leveraging higher interest rates and improving returns from commercial mortgage loans and limited partnerships. Horace Mann is also enhancing its product offerings and operational efficiencies, including the introduction of a new cancer product in the supplemental line and investments in technology such as the Catalyst CRM platform to support growth.Record Fourth Quarter Earnings
Horace Mann reported record fourth quarter core earnings of $1.62 per share, a 93% increase over the prior year.
Improved P&C Profitability
The property and casualty segment saw a full-year combined ratio of 98%, a 15-point improvement over the prior year.
Strong Premium and Sales Growth
Premiums and contract deposits increased 8% over the prior year, with P&C net premiums earned increasing 14%. Sales grew by double-digit percentages in auto, individual supplemental, and life lines.
Increased Investment Income
Net investment income increased over the prior year due to strong core fixed income returns, benefiting from a higher interest rate environment.
Operational and Technological Advancements
The company rolled out a new CRM platform, Catalyst, and is nearing completion of straight-through processing capabilities in the individual supplemental line.
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HMN Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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HMN Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Feb 05, 2025 | $38.83 | $40.82 | +5.12% |
| Nov 04, 2024 | $37.07 | $38.95 | +5.07% |
| Aug 07, 2024 | $33.28 | $32.79 | -1.47% |
| May 08, 2024 | $38.07 | $34.58 | -9.17% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does Horace Mann Educators (HMN) report earnings?
Horace Mann Educators (HMN) is schdueled to report earning on May 06, 2025, TBA Not Confirmed.
What is Horace Mann Educators (HMN) earnings time?
Horace Mann Educators (HMN) earnings time is at May 06, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is HMN EPS forecast?
HMN EPS forecast for the fiscal quarter 2025 (Q1) is 1.01.
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