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Horace Mann Educators | 10-Q: Q3 2024 Earnings Report

Horace Mann Educators | 10-Q: Q3 2024 Earnings Report

霍勒斯曼恩 | 10-Q：2024财年三季报
美股SEC公告 ·  2024/11/05 05:36

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Horace Mann Educators Corporation reported Q3 2024 net income of $34.3 million, up 193% from $11.7 million in Q3 2023, driven by improved Property & Casualty segment results. Total revenues increased 8.8% to $412.1 million, with net premiums and contract charges earned rising 8.7% to $289.1 million, reflecting successful rate and non-rate underwriting actions.The Property & Casualty segment delivered strong performance with a combined ratio of 97.9%, benefiting from $13.0 million in favorable prior years' reserve development and a significantly improved underlying loss ratio. Auto average written premiums increased 16.4% while property premiums rose 18.2%. Catastrophe losses were $34.0 million from 20 events, compared to $28.7 million in Q3 2023.Life & Retirement segment net income declined 29.2% to $14.8 million due to lower net interest spread and higher mortality costs. The Supplemental & Group Benefits segment net income decreased 6.3% to $14.8 million. Book value per share increased to $31.60 as of September 30, 2024, up from $25.74 a year ago, while maintaining strong capital position with a debt-to-capital ratio of 29.8%.
Horace Mann Educators Corporation reported Q3 2024 net income of $34.3 million, up 193% from $11.7 million in Q3 2023, driven by improved Property & Casualty segment results. Total revenues increased 8.8% to $412.1 million, with net premiums and contract charges earned rising 8.7% to $289.1 million, reflecting successful rate and non-rate underwriting actions.The Property & Casualty segment delivered strong performance with a combined ratio of 97.9%, benefiting from $13.0 million in favorable prior years' reserve development and a significantly improved underlying loss ratio. Auto average written premiums increased 16.4% while property premiums rose 18.2%. Catastrophe losses were $34.0 million from 20 events, compared to $28.7 million in Q3 2023.Life & Retirement segment net income declined 29.2% to $14.8 million due to lower net interest spread and higher mortality costs. The Supplemental & Group Benefits segment net income decreased 6.3% to $14.8 million. Book value per share increased to $31.60 as of September 30, 2024, up from $25.74 a year ago, while maintaining strong capital position with a debt-to-capital ratio of 29.8%.
霍勒斯曼恩教育公司报告了2024年第三季度净利润为3430万美元，比2023年第三季度的1170万美元增长了193%，这得益于财产与意外保险部门业绩的改善。总收入增加了8.8%，达到41210万美元，其中净保费和合同费用收益上涨8.7%，达到28910万美元，反映了成功的费率和非费率承保措施。财产与意外保险部门表现强劲，综合比率为97.9%，受益于1300万美元的往年准备金有利发展和显著改善的基本赔付比率。汽车平均承保保费增长了16.4%，而财产保费上涨了18.2%。由于20起事件，灾难损失为3400万美元，而2023年第三季度为2870万美元。寿险与养老部门的净利润下降29.2%，降至1480万美元，原因是净利差降低和较高的死亡成本。补充与团体福利部门的净利润下降6.3%，至1480万美元。截至2024年9月30日，每股账面价值增加至31.60美元，较一年前的25.74美元有所上升，同时维持了强劲的资本状况，债务与资本比率为29.8%。
霍勒斯曼恩教育公司报告了2024年第三季度净利润为3430万美元，比2023年第三季度的1170万美元增长了193%，这得益于财产与意外保险部门业绩的改善。总收入增加了8.8%，达到41210万美元，其中净保费和合同费用收益上涨8.7%，达到28910万美元，反映了成功的费率和非费率承保措施。财产与意外保险部门表现强劲，综合比率为97.9%，受益于1300万美元的往年准备金有利发展和显著改善的基本赔付比率。汽车平均承保保费增长了16.4%，而财产保费上涨了18.2%。由于20起事件，灾难损失为3400万美元，而2023年第三季度为2870万美元。寿险与养老部门的净利润下降29.2%，降至1480万美元，原因是净利差降低和较高的死亡成本。补充与团体福利部门的净利润下降6.3%，至1480万美元。截至2024年9月30日，每股账面价值增加至31.60美元，较一年前的25.74美元有所上升，同时维持了强劲的资本状况，债务与资本比率为29.8%。
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