<div id="readability-page-1"><div><ul> <li>Earlier in 2025, Horace Mann Educators reported an exceptionally strong third quarter and raised its full-year 2025 EPS guidance to US$4.50–US$4.70, with all business segments operating at or above target profitability.</li> <li>An interesting angle for investors is that this operational strength comes alongside a 17-year dividend growth streak, ongoing share buybacks, and valuation multiples that compare favorably with other insurance peers.</li> <li>Now, we’ll consider how this upgraded earnings guidance and broad-based segment strength may influence Horace Mann Educators’ existing investment narrative.</li> </ul><p>These 12 companies survived and thrived after COVID and have the right ingredients to survive Trump's tariffs. Discover why before your portfolio feels the trade war pinch.</p><h2>Horace Mann Educators Investment Narrative Recap</h2><p>To own Horace Mann Educators, you need to believe in its niche focus on educators, its ability to price risk effectively, and to keep improving profitability across all segments. The upgraded 2025 EPS guidance to US$4.50–US$4.70 reinforces the near term earnings story, but does not remove key risks such as exposure to higher catastrophe losses or long term pressure on the educator customer base.</p> <p>The most relevant recent announcement here is the raised full year 2025 core EPS guidance, which now implies double digit ROE with all segments at or above target profitability. This improvement supports the near term catalyst around better underwriting and investment results, while investors still need to weigh that against long term questions about growth in a concentrated educator market.</p> <p>Yet despite this earnings momentum, prospective shareholders should still be aware of the risk that Horace Mann’s heavy concentration in educators could...</p> <p>Read the full narrative on Horace Mann Educators (it's free!)</p><p>Horace Mann Educators' narrative projects $1.9 billion revenue and $216.2 million earnings by 2028. This requires 5.1% yearly revenue growth and about a $76 million earnings increase from $140.1 million today.</p><p>Uncover how Horace Mann Educators' forecasts yield a $50.67 fair value, a 9% upside to its current price.</p><h2>Exploring Other Perspectives</h2><figure><img height="476" src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/ce271c3f-025f-4e28-b55d-6ddaadc4c6b0/chart/quote-price?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" width="746" original-src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/ce271c3f-025f-4e28-b55d-6ddaadc4c6b0/chart/quote-price"/><figcaption>HMN 1-Year Stock Price Chart</figcaption></figure> <p>The single fair value estimate from the Simply Wall St Community sits at US$50.67, slightly above the recent share price. Readers should weigh this against the ongoing risk that higher catastrophe losses could pressure margins and test the durability of recent earnings strength.</p><p>Explore another fair value estimate on Horace Mann Educators - why the stock might be worth as much as 9% more than the current price!</p><h2>Build Your Own Horace Mann Educators Narrative</h2><p>Disagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.</p><ul><li>A great starting point for your Horace Mann Educators research is our analysis highlighting 5 key rewards and 1 important warning sign that could impact your investment decision.</li><li>Our free Horace Mann Educators research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate Horace Mann Educators' overall financial health at a glance.</li></ul><h2>Interested In Other Possibilities?</h2><p>Markets shift fast. These stocks won't stay hidden for long. Get the list while it matters:</p><ul><li>Outshine the giants: these 24 early-stage AI stocks could fund your retirement.</li><li>We've found 12 US stocks that are forecast to pay a dividend yield of over 6% next year. See the full list for free.</li><li>Uncover the next big thing with financially sound penny stocks that balance risk and reward.</li></ul> <p><em> This article by Simply Wall St is general in nature. <strong>We provide commentary based on historical data     and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice.</strong> It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your     financial situation. We aim to bring you long-term focused analysis driven by fundamental data.     Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.     Simply Wall St has no position in any stocks mentioned.</em></p><div><p>Mobile Infrastructure for Defense and Disaster</p><p>The next wave in robotics isn't humanoid. 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<p>Horace Mann Educators reported strong Q3 results and raised its 2025 EPS guidance to US$4.50–US$4.70, indicating robust profitability across all segments. This operational strength is complemented by a 17-year dividend growth streak and ongoing share buybacks. Despite earnings momentum, risks include exposure to higher catastrophe losses and long-term pressure on the educator customer base. The company's narrative projects $1.9 billion revenue and $216.2 million earnings by 2028, with a fair value estimate of US$50.67, suggesting a 9% upside to the current price.</p>

Did Strong Q3 Results and Higher EPS Guidance Just Shift Horace Mann Educators' (HMN) Investment Narrative?