HMN Earnings Prediction
The chart below shows how HMN performed 10 days before and after its earnings report, based on data from the past quarters. Typically, HMN sees a -1.26% change in stock price 10 days leading up to the earnings, and a +1.95% change 10 days following the report. On the earnings day itself, the stock moves by +0.51%. This data can give you a slight idea of what to expect for the next quarter's release.
HMN Key Earning Data
2024/Q4
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Gross Margin
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Net Margin
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HMN Earnings Analysis
Horace Mann Educators Corp Corporation (HMN.N) Earnings Conference Call
Positive
Fourth Quarter Earnings Surge: Record fourth quarter core earnings of $1.62 per share, a 93% increase over the prior year.
Core EPS Growth: Full-year 2024 core EPS of $3.18 more than doubled 2023 earnings, demonstrating significant growth.
Strong Profitability Indicator: Core return on equity reached 8.8%, indicating strong profitability and efficient use of equity.
Combined Ratio Improvement: Property and casualty reported a full-year combined ratio of 98%, a 15-point improvement over the prior year, reflecting enhanced operational efficiency.
Roof Rating Schedule Impact: Implementation of roof rating schedules in wind and hail-prone states is expected to further improve profitability and risk management.
Negative
Wildfire Financial Impact: Direct policyholder losses from recent wildfires are estimated between $5 to $10 million, indicating a significant financial impact on the company.
Combined Ratio Analysis: The full-year combined ratio for property and casualty was reported at 98%, which, despite being an improvement, still indicates that expenses are close to premiums earned, reflecting ongoing profitability challenges.
Return on Equity Concerns: Core return on equity of 8.8% suggests limited efficiency in generating returns from equity, which may concern investors looking for higher performance metrics.
Customer Retention Challenges: Despite a record fourth quarter, the company faced challenges in customer retention, as indicated by a decline in policyholder numbers compared to the previous year.
Customer Dissatisfaction Risk: The implementation of new roof rating schedules with minimum deductibles may lead to customer dissatisfaction and potential loss of business in competitive markets.
HMN FAQs
How does HMN typically perform around its earnings report dates?
Is Horace Mann Educators Corp (HMN) Q4 2024 Earnings Call Summary positive or negative?
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HMN Earning Call Sentiment
Horace Mann Educators Corporation (NYSE:HMN) Q4 2024 Earnings Call Transcript
HMN.N
1.41%Positive
The earnings call reflects strong financial performance, with record core earnings and a significant EPS increase. The company is confident in its future profitability and growth plans, despite some regulatory challenges and policyholder losses. The share repurchase program is a positive catalyst. Q&A responses show management's optimism and confidence in achieving guidance targets. While there are risks, overall sentiment is positive, suggesting a stock price increase in the short term.
