Horace Mann Educators Giving Lessons On Profitability
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Crimson And Gold Research195 FollowersFollow5ShareSavePlay(12min)CommentsSummaryHorace Mann Educators Corporation remains a Buy, supported by exceptional Q3 2025 results and raised full-year guidance.HMN projects FY 2025 EPS of $4.50–$4.70, an 84.7% YoY increase, with all business segments operating at or above target profitability.The company boasts a 17-year dividend growth streak, active buybacks, and trades at peer-low price-to-cash flow, book, and PEG ratios.Key risks include catastrophic loss exposure, reliance on investment income, and sensitivity to K-12 education funding and customer price sensitivity. Ihor Lukianenko/iStock via Getty Images Back in August, I wrote an analysis for Horace Mann Educators Corporation (HMN). I called the stock for the insurance holding company a Buy based on its Q2 earnings and growth prospects for the remainder of 2025. SinceThis article was written byCrimson And Gold Research195 FollowersFollowI have been involved in the financial world for over 20 years with experience as an advisor, teacher, and writer. I am a full believer in the free-market system and that financial markets are efficient with most stocks reflecting their real current value. The best opportunities for profits on individual stocks come from stocks that are less-widely followed by the average investor or from stocks that may not accurately reflect the opportunities that currently exist in their markets.Analyst’s Disclosure:I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article. Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.