HMN HORACE MANN EDUCATORS CORP /DE/

BULLISH Impact: 6/10 8-K
Horizon days Filed May 6, 2026 Processed 1mo ago SEC 0000850141-26-000018
8-K Item 2.02: Earnings release
Latest settled — T+20d ⚠ clustered
HMN ▲ +0.33% at T+20d
LONG call ✓ call won +0.33% · α vs SPY -2.80% · entry $45.15 → $45.30
Next anchor: T+60d in 7w
Currently $48.86 · +8.22% from $45.15 entry
Entry anchored
May 6, 2026
via day open
T+1d
-1.42%
call -1.42% · α -2.25%
$44.51
settled 5w ago
T+5d
-2.37%
call -2.37% · α -3.87%
$44.08
settled 4w ago
T+20d
+0.33%
call +0.33% · α -2.80%
$45.30
settled 9d ago
T+60d
—
call — · α —
—
in 7w

Price Chart

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Executive Summary

Horace Mann reported Q1 2026 core EPS of $1.28, a 16.4% beat vs the $1.10 consensus, driven by record PC underwriting with a combined ratio of 83.3% (improved 5+ points YoY). Revenue grew 3.1% to $429.3M, and full-year core EPS guidance was maintained at $4.20-$4.50, reflecting confidence in sustained profitability.

Actionable Insight

The strong beat and maintained guidance support the stock's momentum. However, with ~57% analyst bullishness already priced in, the market may discount a modest upside. Watch for commentary on catastrophe loss trends and capital return updates on the May 7 call.

Key Facts

  • Core earnings per share of $1.28 vs consensus $1.10 (16.4% beat)
  • Net income $41.2M ($1.00 GAAP EPS), up 7.9% YoY
  • Total revenue $429.3M, up 3.1% YoY (premiums, contract charges and fees rose 6%)
  • Property Casualty combined ratio of 83.3%, improved more than 5 points YoY
  • Full-year 2026 core EPS guidance maintained at $4.20-$4.50
  • Returned $33M to shareholders in Q1 including $18M in share repurchases

Financial Impact

Core EPS beat by ~$0.18 (16.4%) vs consensus, revenue slightly below Q4 2025 level but growing YoY

core earnings per sharecombined ratiorevenue growth

Risk Factors

  • Catastrophe losses could pressure underwriting margins in future quarters
  • Moderate top-line growth (3.1%) may limit upside if expense ratios don't improve further
  • Interest rate sensitivity on investment portfolio

Market Snapshot

Exchange
NYSE
Sector
Fire, Marine & Casualty Insurance
Analyst Consensus
57% bullish (7 analysts)

Documents Analyzed

This report is based on 7 SEC documents filed with EDGAR.

DocumentAccession Number
8-K Filing (Primary)0000850141-26-000018
Document: q12026ex991-glossaryofterms.htm0000850141-26-000018
Document: hmn-20260506.htm0000850141-26-000018
Document: 0000850141-26-000018-index-headers.html0000850141-26-000018
Document: 0000850141-26-000018-index.html0000850141-26-000018
Document: 0000850141-26-000018.txt0000850141-26-000018
8-K Data (Synthetic)0000850141-26-000018
2 reports for HMN
Performance horizon
Filters
Rows
Reports for HMN — sortable, filterable
Type Now
May 6, 2026
5w ago
8-K
BULLISH ★ 6/10
$45.15 $45.30▲ +0.33%▼ −2.80%$48.86 (+8.22%)
Mar 26, 2026
11w ago
Insider Cluster
NEUTRAL ★ 3/10
$42.87 $45.54▲ +6.23%▼ −4.44%$48.86 (+13.97%)
Showing 2 of 2

US Market Status

Market Closed — Opens Mon (48h 50m)

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