NYSE$HMN
Horace Mann Educators Corporation · Q4 2025 earnings
Q4 2025 earnings · · After market close · Investor relations
Briefing
Reported lower net income despite higher revenue growth in the fourth quarter.
Horace Mann reported higher fourth-quarter revenue driven by growth in premiums and contract charges, but net income and core earnings declined year over year due to lower investment results and core earnings pressure.
- Total revenue increased more than 6% year over year in Q4
- Net income declined modestly compared with the prior-year quarter
- Core earnings per diluted share decreased year over year
- Underlying profitability remained solid entering 2026
Headline financials
Revenue & EPS history
Horace Mann · Revenue · Quarterly
$435M
Forward guidance
Management expressed confidence in sustained profitable growth supported by strong underlying segment performance and a solid balance sheet.
Tailwinds
- Strong underlying profitability across segments
- Improved shareholder return on equity
- Solid balance sheet position
- Revenue growth across all segments
- Favorable outlook for continued growth
Headwinds
- Earnings sensitive to investment market performance
- Potential catastrophe loss volatility
- Macroeconomic uncertainty
- Competitive pressures in insurance markets
- Regulatory and interest rate risks
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2025
+0.5%
Avg return
Earnings day
+0.6%
Avg return
5 days after
+2.4%
Avg return
30 days after
54%
35 / 65 earnings
Positive
+9.2%
Q1 2020
Best reaction
-9.2%
Q1 2022
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -1.1% | -2.8% | +2.8% | |
| Q4 2025 | -3.8% | -5.1% | -3.4% | |
| Q3 2025 | +3.6% | +0.8% | -3.6% | |
| Q1 2025 | +0.5% | -0.3% | +5.5% | |
| Q4 2024 | +5.1% | +9.3% | +7.5% | |
| Q3 2024 | +5.1% | +9.2% | +10.4% | |
| Q2 2024 | -1.0% | -1.0% | +3.5% | |
| Q1 2024 | -8.3% | -9.7% | -11.7% | |
| Q4 2023 | +4.0% | +6.0% | -1.3% | |
| Q3 2023 | +3.8% | +2.8% | +5.0% | |
| Q2 2023 | -4.7% | -4.4% | -4.9% | |
| Q1 2023 | +2.7% | +4.9% | -3.5% | |
| Q4 2022 | -1.3% | -5.9% | +1.5% | |
| Q3 2022 | -2.0% | -2.8% | -3.7% | |
| Q2 2022 | +5.6% | +7.6% | +6.7% | |
| Q1 2022 | -9.2% | -8.8% | -8.5% | |
| Q4 2021 | +2.9% | +4.6% | +9.2% | |
| Q3 2021 | -1.6% | +1.3% | -5.9% | |
| Q2 2021 | -2.2% | +0.6% | +3.4% | |
| Q1 2021 | -3.2% | -1.7% | -2.7% | |
| Q4 2020 | -2.6% | -2.0% | +5.1% | |
| Q3 2020 | +8.0% | +3.7% | +18.3% | |
| Q2 2020 | +4.3% | +4.6% | -0.4% | |
| Q1 2020 | +9.2% | +1.2% | +23.3% | |
| Q4 2019 | +4.0% | -0.3% | -6.9% | |
| Q3 2019 | -1.3% | +1.8% | +1.6% | |
| Q2 2019 | +2.9% | +3.0% | +2.9% | |
| Q1 2019 | +5.5% | +6.3% | +6.1% | |
| Q4 2018 | -7.3% | -10.6% | -10.2% | |
| Q3 2018 | +3.5% | +7.9% | +5.5% | |
| Q2 2018 | +0.5% | +0.1% | +5.8% | |
| Q1 2018 | -3.2% | -3.7% | +0.5% | |
| Q4 2017 | +4.4% | +3.0% | +9.5% | |
| Q3 2017 | +7.4% | +11.1% | +13.5% | |
| Q2 2017 | +3.8% | +3.6% | +3.6% | |
| Q1 2017 | -0.9% | -1.2% | -2.3% | |
| Q4 2016 | +2.0% | +0.2% | -1.4% | |
| Q3 2016 | +1.4% | -6.5% | +12.8% | |
| Q2 2016 | -1.4% | -3.1% | +1.9% | |
| Q1 2016 | +7.3% | — | — | |
| Q4 2015 | -5.5% | — | — | |
| Q3 2015 | -2.6% | — | — | |
| Q2 2015 | -4.2% | — | — | |
| Q1 2015 | +5.6% | — | — | |
| Q4 2014 | -2.8% | — | — | |
| Q3 2014 | -2.8% | — | — | |
| Q2 2014 | -0.2% | — | — | |
| Q1 2014 | +3.5% | — | — | |
| Q4 2013 | +3.1% | — | — | |
| Q3 2013 | -6.5% | — | — | |
| Q2 2013 | +3.5% | — | — | |
| Q1 2013 | -2.2% | — | — | |
| Q4 2011 | +0.7% | — | — | |
| Q1 2010 | +0.7% | — | — | |
| Q4 2012 | +0.7% | — | — | |
| Q3 2012 | +4.9% | — | — | |
| Q2 2012 | +2.9% | — | — | |
| Q1 2011 | +1.1% | — | — | |
| Q1 2012 | +2.1% | — | — | |
| Q4 2009 | +0.4% | — | — | |
| Q3 2010 | -5.6% | — | — | |
| Q3 2011 | -5.6% | — | — | |
| Q4 2010 | +0.0% | — | — | |
| Q2 2011 | +0.0% | — | — | |
| Q2 2010 | +0.0% | — | — |
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