Horace Mann reports record core earnings of $196M for FY2025; EPS $4.71

HORACE MANN EDUCATORS CORP /DE/

2025-FY EPS reported $3.90 revenue$1,701,400,000

FY2025 net income $162.1M ($3.90 diluted EPS); core earnings $195.8M ($4.71 diluted EPS), up 38.5% YoY.
Total revenue $1.70B, up 6.7% YoY; net premiums and contract charges earned rose >7% for the year.
P&C segment combined ratio improved to 89.7% in 2025 (from 97.7% in 2024), driven by lower catastrophe losses.
Book value per share $36.47 (+15.7% YoY); adjusted book value $40.21 (+7.1% YoY); core ROE LTM 12.4%.
Q4 2025 net income $0.87 per share; core EPS $1.21; total revenue up 6.3% YoY to $434.8M.

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