HORACE MANN EDUCATORS CORP /DE/ (HMN) Form 8-K — Nov 3, 2026
Horace Mann Educators (NYSE: HMN) reported third-quarter 2026 net income of $58.5 million ($1.41 per diluted share) and record core earnings of $85.1 million ($2.06 per share), up 50.4% from $56.6 million a year earlier. The strength came from excellent Property & Casualty underwriting — a combined ratio of 83.6%, improved nearly 4 points year over year — plus a 17% increase in net investment income and 3% growth in premiums, contract charges and fee revenue.
Key figures
- Eps
- 1.41
- Revenue
- 439.2
- Guidance
- Full-year 2026 core EPS guidance increased to $5.75-$5.95
- Net Income
- 58500000
- Revenue Yoy
- 0.2%
- Core eps 9m
- 4.5
- Core eps q3
- 2.06
- Core roe ltm
- 14.2%
- Net income 9m
- 141300000
- Core earnings q3
- 85100000
- Total revenues 9m
- 1312000000
- Core eps yoy change
- 51.5%
- Book value per share
- 35.11
- Premiums fees growth
- 3%
- Net income yoy change
- 0.3%
- P c combined ratio q3
- 83.6%
- Core earnings yoy change
- 50.4%
- Combined ratio improvement
- nearly 4 points vs prior year
- Net investment income growth
- 17%
- Adjusted book value per share
- 42.49
- Tangible book value per share
- 37.85
AI analysis
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