Q3 2025 Horace Mann Educators Corp Earnings Call Transcript

Nov 5, 2025 / 04:00 PM GMT

Release Date Price: $46.75 (+3.34%)

Transcript 10-Q8-K

Key Points

Positve

Horace Mann Educators Corp (HMN) reported record third-quarter core EPS of $1.36, a 64% increase over the prior year.
The company raised its full-year core EPS guidance to a range of $4.50 to $4.70, reflecting strong year-to-date performance.
Total revenues for the quarter increased by 6%, with net premiums and contract charges earned up over 7%.
The supplemental and group benefits segment saw significant growth, with individual supplemental sales up 40% and record sales in group benefits.
The company is making strategic investments to increase its share of the education market, including partnerships with Teach for America and Grand Canyon University.

Negative

Household retention in the auto segment decreased from the prior period to 84%, although it remained stable quarter over quarter.
The company expects expense levels to be elevated in the near term as it builds scale and executes on key initiatives.
The fourth quarter is expected to have higher auto frequency due to weather, which could impact results.
The group benefits business is still relatively small, leading to fluctuations in results from quarter to quarter.
Despite strong results, the company acknowledges that the favorable weather conditions contributing to lower catastrophe losses may not repeat in the future.

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

HMN.N - Horace Mann Educators Corp
Q3 2025 Horace Mann Educators Corp Earnings Call
Nov 05, 2025 / 04:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good morning and welcome to the Horace Mann Educators 3rd quarter 2025 investor conference call. All participants will be in listen-only mode. Should you need assistance, please signal conference specialist by pressing the key, followed by zero.

After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press 1 on your telephone keypad. To withdraw your question, please press 2. Please note this event is being recorded. I would now like to turn the conference over to Rachel Luber, Vice President of Investor relations. Please go ahead.

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Unidentified_2 [2]
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