Horace Mann Q2 core EPS $1.06 beats; raises FY2025 guidance to $4.15-$4.45

HORACE MANN EDUCATORS CORP /DE/

2025-Q2 EPS reported $1.63 revenue$828,100,000

Q2 net income $29.4M ($0.71/diluted); core earnings $44.2M ($1.06/diluted) – record quarter.
Total revenue $411.7M (+6% YoY); net premiums and contract charges earned up 8%.
P&C combined ratio 97.0%, improved 15 pts YoY; catastrophe costs below prior year.
Adjusted book value $38.46 per share (+5.9% YoY); core ROE LTM 12.6%.
Full-year 2025 core EPS guidance raised to $4.15-$4.45; on track for double-digit ROE.

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