Q2 2025 Horace Mann Educators Corp Earnings Call Transcript

Aug 7, 2025 / 03:00 PM GMT

Release Date Price: $43.4 (+2.50%)

Transcript 10-Q8-K

Key Points

Positve

Horace Mann Educators Corp (HMN) reported a nearly threefold increase in earnings per share to $1.06 compared to the prior year.
Net premiums and contract charges earned increased by 8%, with total revenues up 6%, reflecting strong business profitability and growth momentum.
The property and casualty segment showed a significant improvement with a combined ratio of 97%, a 15% improvement over the prior year.
Core return on equity for the quarter was 11.3%, with a trailing 12-month core return on equity of 12.6%.
The life and retirement segment saw core earnings double from the previous year, driven by higher net investment income and lower mortality costs.

Negative

Despite strong second-quarter results, Horace Mann Educators Corp (HMN) continues to face potential volatility in the third quarter due to historical hurricane activity.
The company maintains a cautious outlook on catastrophe losses, using a five-year average for guidance due to unpredictable weather events.
Retention in the auto segment declined slightly after significant rate increases, indicating potential challenges in maintaining customer loyalty.
The group benefits segment experienced some variability and seasonality, with a relatively small scale that does not significantly impact consolidated results.
The company acknowledges increased competition in the monoline auto space, which could impact growth and profitability in that segment.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

HMN.N - Horace Mann Educators Corp
Q2 2025 Horace Mann Educators Corp Earnings Call
Aug 07, 2025 / 03:00PM GMT

=====================
Presentation
--------------------------------------------------------------------------------
Unidentified_1 [1]
--------------------------------------------------------------------------------
Good morning and welcome to the Horace Mann Educators 2nd quarter 2025 results conference call. All participants will be in listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key.

Then 0 on your telephone keypad.

After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press then one on your telephone keypad.

To withdraw your question, please press star then too. Please note this event is being recorded.

I would now like to turn the conference over to Brandon Deal, Vice President investor relations. Please go ahead.

-----------------------------------------------------------------

Already have an account? Log in

Get the full story

Subscribe Now

	Access to All Earning Calls and Stock Analysis
	30-Year Financial on one screen
	All-in-one Stock Screener with unlimited filters
	Customizable Stock Dashboard
	Real Time Insider Trading Transactions
	8,000+ Institutional investors’ 13F holdings
	Powerful Excel Add-in and Google sheets Add-on
	All data downloadable
	Quick customer support
	And much more...

30-Day 100% money back guarantee

Subscription fee may be tax deductible.

Excellent

4.6 out of 5

Trustpilot

Research Tools

All-In-One Screener Stock Ideas Stock List Guru List Guru Real-Time Picks Insider List Insider Trades Economic Indicators Sector & Industry Performance DCF Calculator Calculators Discussion Board

Product

Pricing Plans Excel Add-In Google Sheets Add-on Data API Stock Comparison Table Manual of Stocks Instant Alerts Mobile App Newsletters Signup 中文

Education

Financial Glossary Tutorials FAQ Buffett Indicator Shiller P/E Yield Curve Today U.S. Inflation Rate Global Market Valuation Fed Net Liquidity Buffett Assets Allocation

Company

About GuruFocus Career Contact Us Advertise Term of Use Privacy Policy Referral Program Partner Program

Survey

We'd love to learn more about your experiences on GuruFocus.com and how we can improve!

Take Survey

Disclaimers

GuruFocus.com is not operated by a broker or a dealer. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The individuals or entities selected as "gurus" may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. Gurus may be added or dropped from the GuruFocus site at any time. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes are provided by QuoteMedia, Inc. (CSI). Company fundamental data is provided by Morningstar. Analyst estimates data is sourced from both Refinitiv and Morningstar, with priority given to Refinitiv data. Data is updated daily.