Abstract
Horace Mann Educators will report quarterly results on February 03, 2026 Post Market; this preview synthesizes recent financials, company forecasts, and analyst commentary to frame expectations for revenue, margins, net profit, and adjusted EPS alongside segment dynamics and performance drivers.
Market Forecast
Consensus and company-indicated projections point to current-quarter revenue of USD 440.05 million, up 5.19% year over year, with an EPS estimate of USD 1.18 and EBIT of USD 50.00 million, implying year-over-year growth of 15.15% for EPS and 18.20% for EBIT. Margin commentary is limited, but the company’s last-reported gross profit margin of 41.12% and net profit margin of 13.30% set a baseline for expectations; year-over-year margin comparisons for the forecast are not available. The main business highlights center on insurance operations across Property & Casualty, Life & Retirement, and Supplemental & Worksite benefits, with Property & Casualty expected to remain the primary revenue driver supported by rate actions and underwriting discipline. The most promising segment remains Property & Casualty with last quarter revenue of USD 220.00 million, though year-over-year breakdown by segment was not disclosed.
Last Quarter Review
Horace Mann Educators delivered last quarter revenue of USD 438.50 million, gross profit margin of 41.12%, GAAP net profit attributable to the parent company of USD 58.30 million, net profit margin of 13.30%, and adjusted EPS of USD 1.36, with year-over-year adjusted EPS growth of 78.95% and revenue growth of 7.58%. A notable highlight was the strong EPS beat versus the prior estimate; adjusted EPS of USD 1.36 exceeded the indicated estimate of USD 1.11, and revenue of USD 438.50 million surpassed the USD 430.65 million projection. Main business contributions were led by Property & Casualty revenue of USD 220.00 million, Life & Retirement revenue of USD 139.30 million, and Supplemental & Worksite revenue of USD 75.60 million; year-over-year segment changes were not provided.
Current Quarter Outlook
Core Insurance Operations
The core business spans Property & Casualty, Life & Retirement, and Supplemental & Worksite benefits serving the education community. In the current quarter, rates and underwriting actions should continue to support Property & Casualty top-line resilience and earnings stability, particularly if loss trends remain contained. The last quarter’s gross profit margin of 41.12% and net profit margin of 13.30% provide a constructive backdrop for margin maintenance, though seasonality and catastrophe exposure can introduce variability. Management’s forecast for EPS at USD 1.18 and EBIT at USD 50.00 million suggests continuing earnings normalization relative to prior-year volatility, consistent with improved underwriting performance and expense control.
Property & Casualty as the Near-Term Growth Lever
Property & Casualty, at USD 220.00 million in last-quarter revenue, is the largest segment and the near-term growth lever. The quarter’s revenue mix indicates meaningful exposure to auto and homeowners lines, where rate adequacy and claims frequency trends are key to sustaining profitability. If catastrophe losses are moderate and rate momentum persists, segment margins can remain stable even with modest premium growth. The forecasted revenue increase to USD 440.05 million at the consolidated level implies supportive demand and pricing; coupled with EBIT growth of 18.20%, this points to Property & Casualty contributing disproportionately to incremental earnings.
Stock Price Drivers This Quarter
The stock’s near-term moves will hinge on reported EPS versus the USD 1.18 estimate, evidence of sustained margin discipline relative to the 41.12% gross margin baseline, and clarity on loss ratio trends. Any commentary on catastrophe experience, reserve development, and rate filings will be scrutinized for implications on Property & Casualty profitability. Investors will also focus on management’s visibility into Life & Retirement and Supplemental & Worksite profitability, seeking confirmation that earnings contributions are stable and supportive of consolidated results.
Analyst Opinions
Across available commentary, views skew constructive on the upcoming quarter, with a predominance of bullish takes relative to bearish ones. Forecasts anticipating EPS of USD 1.18 and revenue of USD 440.05 million reflect expectations for continued earnings normalization and margin stability following the prior quarter’s upside on both revenue and EPS. Positive stances emphasize improved underwriting discipline and a better rate environment as tailwinds for Property & Casualty earnings, while also acknowledging that performance in Life & Retirement and Supplemental & Worksite remains steady. The constructive majority points to EBIT growth of 18.20% year over year as corroborating evidence of operational progress and highlights that a modest revenue expansion alongside disciplined loss ratios can sustain the trajectory into the March quarter.Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.
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