Horace Mann Educators Q1 Earnings Call Highlights

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MarketBeat

Sun, May 10, 2026 astatine 4:04 PM CDT 7 min read

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Horace Mann reported grounds Q1 2026 halfway EPS of $1.28, up 20% twelvemonth implicit year, and kept its full-year guidance of $4.20 to $4.50 unchanged.
The property and casualty conception was a standout, with halfway net up 46% and the combined ratio improving to 83.3% arsenic catastrophe costs fell and underwriting actions helped reconstruct profitability.
Growth was broad-based crossed different businesses, led by a much than tripling of group benefits sales and double-digit gains successful life and supplemental products, portion the institution continued returning superior done dividends and buybacks.

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Horace Mann Educators (NYSE:HMN) reported grounds first-quarter 2026 halfway net per stock of $1.28, up 20% from the prior-year quarter, arsenic absorption cited improved profitability successful spot and casualty security and continued maturation successful supplemental and radical benefits.

President and Chief Executive Officer Marita Zuraitis said security and fee-based gross roseate 6% twelvemonth implicit year, with maturation crossed the company’s businesses. Life income accrued 17%, idiosyncratic supplemental income roseate 11%, and radical benefits income much than tripled from a twelvemonth earlier. Core shareholder instrumentality connected equity for the trailing 12 months was 12.7%.

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The institution maintained its 2026 halfway EPS guidance of $4.20 to $4.50. Management besides reiterated its three-year strategical targets, including a 10% compound yearly maturation complaint successful halfway net per stock and a sustainable 12% to 13% shareholder instrumentality connected equity.

Property and casualty margins amended

Horace Mann’s spot and casualty conception generated halfway net of $39 million, up 46% twelvemonth implicit year, according to Executive Vice President and Chief Financial Officer Ryan Greenier. The reported combined ratio improved by 5 points to 83.3%, reflecting little catastrophe costs and stronger underlying results.

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Greenier said the 4th included $5 cardinal of prior-year development, consisting of $2 cardinal successful spot and $3 cardinal successful auto, chiefly owed to lower-than-expected assertion severity and claims settling beneath anterior reserve expectations.

Net written premiums successful spot and casualty accrued 5% to $194 million, driven chiefly by higher mean premium. Property premiums roseate 14%, portion car premiums were fundamentally level arsenic the institution shifted toward markets wherever it sees stronger returns.

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