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Horace Mann Educators (HMEC) reported a robust financial performance for the third quarter of 2024, with significant year-over-year improvements in net income and earnings per share. Total revenues for the quarter increased by 8.8% to $412.1 million, while net income surged by 193.2% to $34.3 million compared to the same period in 2023. Diluted earnings per share for the quarter were $0.83, a substantial increase from $0.28 in the prior year. The company's book value per share also grew by 22.8% to $31.60. The Property & Casualty segment saw a net income increase of 193.8% for the quarter, driven by higher average written premiums and a significantly lower underlying loss ratio. The Life & Retirement segment experienced a decrease in net income by 29.2% for the quarter, primarily due to a...Show More
Horace Mann Educators (HMEC) reported a robust financial performance for the third quarter of 2024, with significant year-over-year improvements in net income and earnings per share. Total revenues for the quarter increased by 8.8% to $412.1 million, while net income surged by 193.2% to $34.3 million compared to the same period in 2023. Diluted earnings per share for the quarter were $0.83, a substantial increase from $0.28 in the prior year. The company's book value per share also grew by 22.8% to $31.60. The Property & Casualty segment saw a net income increase of 193.8% for the quarter, driven by higher average written premiums and a significantly lower underlying loss ratio. The Life & Retirement segment experienced a decrease in net income by 29.2% for the quarter, primarily due to a lower net interest spread and unfavorable benefits. The Supplemental & Group Benefits segment's net income decreased by 6.3% for the quarter. HMEC's investment portfolio performed well, with a decrease in pretax net investment losses and a reduction in unrealized investment losses on fixed maturity securities. Looking ahead, HMEC maintains its full-year core earnings projection for 2024 within the range of $2.40 to $2.70 per diluted share, anticipating an 8% to 9% increase in net premiums and contract charges earned, driven by Property & Casualty rate actions. The company continues to manage its investment portfolio with a focus on income generation and principal protection, and it remains confident in its liquidity position to meet future obligations.
2024年第3四半期、ホレースマンエデュケーターズ（HMEC）は、当期純利益と1株当たり利益において、前年同期比で著しい改善を達成し、堅調な財務業績を報告しました。四半期の総収入は8.8%増の41210万ドルに増加し、当期純利益は前年同期比193.2%増の3430万ドルに急増しました。四半期の希薄化後1株当たり利益は0.83ドルで、前年の0.28ドルから大幅に増加しました。同社の1株当たり簿価も22.8%増の31.60ドルに成長しました。損害保険と財産保険部門は、平均記入保険料の増加と大幅に低い基礎的損失率により、四半期の当期純利益が193.8%増加しました。寿命保険と老後生活部門は、四半期の...すべて展開
2024年第3四半期、ホレースマンエデュケーターズ（HMEC）は、当期純利益と1株当たり利益において、前年同期比で著しい改善を達成し、堅調な財務業績を報告しました。四半期の総収入は8.8%増の41210万ドルに増加し、当期純利益は前年同期比193.2%増の3430万ドルに急増しました。四半期の希薄化後1株当たり利益は0.83ドルで、前年の0.28ドルから大幅に増加しました。同社の1株当たり簿価も22.8%増の31.60ドルに成長しました。損害保険と財産保険部門は、平均記入保険料の増加と大幅に低い基礎的損失率により、四半期の当期純利益が193.8%増加しました。寿命保険と老後生活部門は、四半期の当期純利益が29.2%減少し、主に低い純利差益と不利な給付金によるものです。補足および団体給付部門の四半期の当期純利益は6.3%減少しました。HMECの投資ポートフォリオは、税引前純投資損失の減少と固定債証券の未実現投資損失の低減を達成しました。今後に関して、HMECは2024年の当期希薄化後1株あたり2.40ドルから2.70ドルの範囲内の中核収益予測を維持し、財産保険と損害保険のレート操作による当期純保険料と契約料収入の8%から9%増加を見込んでいます。同社は収益の生成と元本保護に焦点を当てた投資ポートフォリオの管理を続け、将来の義務を果たすための流動性状況については自信を持っています。
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