Skip to content
OpenCapital
Get started

Horace Mann Educators HMN Q3 2025 earnings

Reported November 4, 2025 · After market close

Revenue$417.1MMiss by $13.8M
EPS$1.36Beat by $0.32
Revenue estimate$430.9M
EPS estimate$1.04

Next report

Aug 5, 2026 (In 1 week)
Revenue estimate$321.7M
EPS estimate$0.79

Financials

Q3 2025

Income statement

See full
Revenue$438.5M+6.4%
Net income$58.3M+70.0%
EPS (diluted)$1.40+68.7%

Balance sheet

See full
Cash & equivalents$46.7M+18.5%
Total debt$842.9M+54.2%
Total equity$1.4B+12.0%
Total assets$15.5B+5.3%

Cash flow

See full
Operating cash flow$151.2M+5.1%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$1.84B+29.0%
Enterprise value$2.63B+36.3%
P/E11.2×-2.5×
P/S1.1×+0.2×

Profitability

See full
Net margin9.8%+3.2pp

Returns & leverage

See full
Return on equity12%+3.1pp
Debt / equity0.6×+0.2×

Versus estimates

Revenue

Q1 2026$429.3MBeat by $110.2MQ4 2025$317.2MBeat by $3.2M
Q3 2025$417.1MMiss by $13.8M
Q2 2025$411.7MMiss by $13.0MQ1 2025$416.4MMiss by $3.8MQ4 2024$393.1MMiss by $23.9M

Diluted EPS

Q1 2026$1.28Beat by $0.18Q4 2025$1.21Beat by $0.03
Q3 2025$1.36Beat by $0.32
Q2 2025$1.06Beat by $0.45Q1 2025$1.07Beat by $0.19Q4 2024$1.62Beat by $0.58

Ask the moment Horace Mann Educators reports.

Connect your AI and ask the moment the filing drops. It reads the release, surfaces what management said, and gives you its own read.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

When did Horace Mann Educators report Q3 2025 earnings?
Horace Mann Educators (HMN) reported Q3 2025 earnings on November 4, 2025 after market close.
What were Horace Mann Educators's Q3 2025 revenue and EPS?
Horace Mann Educators reported revenue of $417.1M and eps of $1.36 for Q3 2025.
Did Horace Mann Educators beat estimates in Q3 2025?
Revenue missed the consensus estimate of $430.9M by $13.8M. EPS beat the consensus estimate of $1.04 by $0.32.
How did Horace Mann Educators's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 1.2% from $412.1M a year earlier and eps grew 78.9% from $0.76.
Where can I find Horace Mann Educators's Q3 2025 SEC filings?
You can read the 8-K earnings release (0000850141-25-000005) and the 10-Q periodic report (0000850141-25-000008) directly on SEC EDGAR. The filing index links above go to sec.gov.