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Horace Mann Educators (HMN) Q3 Earnings Report Preview: What To Look For

HMN Cover Image

Educator-focused insurance company Horace Mann Educators (NYSE: HMN) will be announcing earnings results this Tuesday afternoon. Here’s what investors should know.

Horace Mann Educators missed analysts’ revenue expectations by 3.5% last quarter, reporting revenues of $411.7 million, up 6.1% year on year. It was a slower quarter for the company, with a significant miss of analysts’ revenue estimates and a significant miss of analysts’ book value per share estimates.

Is Horace Mann Educators a buy or sell going into earnings? Read our full analysis here, it’s free for active Edge members.

This quarter, analysts are expecting Horace Mann Educators’s revenue to grow 5.5% year on year to $434.7 million, slowing from the 8.8% increase it recorded in the same quarter last year. Adjusted earnings are expected to come in at $1.11 per share.

Horace Mann Educators Total Revenue

Analysts covering the company have generally reconfirmed their estimates over the last 30 days, suggesting they anticipate the business to stay the course heading into earnings. Horace Mann Educators has missed Wall Street’s revenue estimates six times over the last two years.

Looking at Horace Mann Educators’s peers in the life insurance segment, some have already reported their Q3 results, giving us a hint as to what we can expect. Prudential’s revenues decreased 16.7% year on year, beating analysts’ expectations by 14.4%, and Lincoln Financial Group reported revenues up 3.8%, falling short of estimates by 0.7%. Prudential traded up 1.8% following the results while Lincoln Financial Group was also up 4.8%.

Read our full analysis of Prudential’s results here and Lincoln Financial Group’s results here.

Debates over possible tariffs and corporate tax adjustments have raised questions about economic stability in 2025. While some of the life insurance stocks have shown solid performance in this choppy environment, the group has generally underperformed, with share prices down 3.9% on average over the last month. Horace Mann Educators’s stock price was unchanged during the same time and is heading into earnings with an average analyst price target of $49 (compared to the current share price of $44.71).

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