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Horace Mann Educators HMN Q4 2025 Annual earnings

Reported February 3, 2026 · After market close

Revenue$317.2MBeat by $3.2M
EPS$1.21Beat by $0.03
Revenue estimate$314.1M
EPS estimate$1.18

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$434.8M+6.3%
Net income$36.2M-5.2%
EPS (diluted)$0.87-5.4%

Balance sheet

See full
Cash & equivalents$27.5M-27.8%
Total debt$593.4M+8.5%
Total equity$1.5B+15.2%
Total assets$15.3B+5.4%

Cash flow

See full
Operating cash flow$129.9M-32.9%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$1.88B+17.5%
Enterprise value$2.44B+16.0%
P/E11.6×-4.0×
P/S1.1×+0.1×

Profitability

See full
Net margin9.5%+3.1pp

Returns & leverage

See full
Return on equity11.7%+3.4pp
Debt / equity0.4×0.0×

Versus estimates

Revenue

Q1 2026$429.3MBeat by $110.2M
Q4 2025$317.2MBeat by $3.2M
Q3 2025$417.1MMiss by $13.8MQ2 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 $0.18
Q4 2025$1.21Beat by $0.03
Q3 2025$1.36Beat by $0.32Q2 2025$1.06Beat by $0.45Q1 2025$1.07Beat by $0.19Q4 2024$1.62Beat by $0.58

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Questions, answered.

When did Horace Mann Educators report Q4 2025 earnings?
Horace Mann Educators (HMN) reported Q4 2025 earnings on February 3, 2026 after market close.
What were Horace Mann Educators's Q4 2025 revenue and EPS?
Horace Mann Educators reported revenue of $317.2M and eps of $1.21 for Q4 2025.
Did Horace Mann Educators beat estimates in Q4 2025?
Revenue beat the consensus estimate of $314.1M by $3.2M. EPS beat the consensus estimate of $1.18 by $0.03.
How did Horace Mann Educators's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 19.3% from $393.1M a year earlier and eps declined 25.3% from $1.62.
Where can I find Horace Mann Educators's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000850141-26-000003) and the 10-K periodic report (0000850141-26-000007) directly on SEC EDGAR. The filing index links above go to sec.gov.