What is the guidance for the remainder of 2025, and how does it align with market expectations?

Answer Overview

The press‑release excerpt you provided contains only a snapshot of Horace Mann’s second‑quarter 2025 financial results (net income, core earnings, and a brief mention of “reported bo…”). It does not include the specific forward‑looking guidance that the company gave for the remainder of 2025, nor does it contain any commentary on how that guidance compares to analysts’ expectations.

Because the guidance figures (e.g., expected FY 2025 net income, earnings‑per‑share, or revenue targets) and any market‑expectation benchmarks (e.g., consensus estimates from Refinitiv, FactSet, or Bloomberg) are not present in the text you shared, we cannot provide a concrete answer to:

“What is the guidance for the remainder of 2025, and how does it align with market expectations?”

Below is a concise explanation of why the answer cannot be derived from the supplied information, followed by suggestions on how to obtain the needed details.

Why the Guidance Cannot Be Determined from the Provided Text

Given that the crucial guidance figures are missing, any attempt to “guess” the numbers would be speculative and would not meet the requirement of a comprehensive, factual answer.

How to Obtain the Required Information

1. Read the Full Press Release
   The full Business Wire release (likely titled “Horace Mann reports second‑quarter 2025 results”) will include a “Guidance” section. Look for sentences such as:
   

• “The Company expects 2025 net income of $X‑$Y million (or $X‑$Y per share).”
  
• “Core earnings are expected to be $X‑$Y million for the remainder of 2025.”
  

1. Check Analyst Consensus

   • FactSet/Refinitiv: Check the consensus EPS and revenue forecasts for HMN for FY 2025.
     
   • Broker Research: Look at recent research notes (e.g., from Morgan Stanley, JPM, or BofA) for their “expected” numbers.
     

2. Compare the Two

   • If guidance > consensus: The market will likely view the outlook positively (potential for share‑price upside).
     
   • If guidance < consensus: The market may see a disappointment (potential for downward pressure).
     
   • If guidance aligns with consensus: The market may see the news as “in‑line” and the stock price may remain stable, unless the guidance is accompanied by other material information (e.g., a strategic acquisition or a cost‑savings initiative) that could affect perception.

3. Supplement with Analyst Commentary
   
   The press release often includes a quote from management (e.g., CEO or CFO) that may indicate confidence (e.g., “We remain confident in delivering double‑digit growth for the rest of the year”) which can provide qualitative context for how the guidance is being received.

Summary Answer (Given Available Information)

The provided news snippet does **not contain the guidance for the remainder of 2025, nor does it indicate whether that guidance meets, exceeds, or falls short of market expectations. To answer the question accurately, you would need to consult the full press release (or an analyst summary) that contains the company’s forward‑looking statements and compare them to analyst consensus estimates for FY 2025.**