Horace Mann Q3 core EPS $1.36, revenue up 6%; raises FY2025 core EPS guidance to $4.50-$4.70

HORACE MANN EDUCATORS CORP /DE/

2025-Q3 EPS reported $3.03 revenue$1,266,600,000

Net income $58.3M ($1.40/diluted EPS); record core earnings $56.6M ($1.36/diluted), up 64.5% YoY.
Total revenue $438.5M, +6.4% YoY; net premiums and contract charges earned up 7%.
P&C combined ratio 87.8% improved >10 points YoY, benefiting from lower catastrophe costs.
Full-year 2025 core EPS guidance raised to $4.50-$4.70; targeting record annual core earnings and double-digit shareholder ROE.
Tangible book value per share $34.59, up 9.4% from prior year; adjusted book value $39.51.

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