Core Viewpoint - International General Insurance Holdings Ltd. (IGIC) reported quarterly earnings of $0.51 per share, missing the Zacks Consensus Estimate of $0.55 per share, and down from $0.74 per share a year ago, indicating a negative earnings surprise of -7.27% [1] Financial Performance - The company posted revenues of $132.9 million for the quarter ended June 2025, missing the Zacks Consensus Estimate by 5.34%, and down from $135.6 million year-over-year [2] - Over the last four quarters, the company has surpassed consensus EPS estimates only once and has not beaten consensus revenue estimates during the same period [2] Stock Performance - International General Insurance shares have declined approximately 1.2% since the beginning of the year, contrasting with the S&P 500's gain of 7.6% [3] Future Outlook - The company's earnings outlook is crucial for investors, with current consensus EPS estimates at $0.82 for the coming quarter and $2.67 for the current fiscal year, with revenues expected to be $143.6 million and $560.4 million respectively [7] - The estimate revisions trend for the company was mixed ahead of the earnings release, resulting in a Zacks Rank 3 (Hold), suggesting shares are expected to perform in line with the market in the near future [6] Industry Context - The Insurance - Multi line industry, to which International General Insurance belongs, is currently in the top 38% of over 250 Zacks industries, indicating a favorable outlook compared to the bottom 50% [8]

Core Insights - Horace Mann (HMN) reported quarterly earnings of $1.07 per share, exceeding the Zacks Consensus Estimate of $0.88 per share, and up from $0.60 per share a year ago [1] - The earnings surprise for the quarter was 21.59%, and the company has surpassed consensus EPS estimates three times over the last four quarters [2] - Revenues for the quarter were $416.4 million, slightly missing the Zacks Consensus Estimate by 0.89%, but up from $386 million year-over-year [3] Earnings Performance - The company had a significant earnings surprise of 63.64% in the previous quarter, where actual earnings were $1.62 per share against an expectation of $0.99 [2] - The current consensus EPS estimate for the upcoming quarter is $0.58, with expected revenues of $431.4 million, and for the current fiscal year, the estimate is $3.80 on $1.73 billion in revenues [8] Stock Performance - Horace Mann shares have increased by approximately 7.6% since the beginning of the year, contrasting with a decline of 3.9% in the S&P 500 [4] - The stock currently holds a Zacks Rank of 3 (Hold), indicating expected performance in line with the market in the near future [7] Industry Outlook - The Insurance - Multi line industry, to which Horace Mann belongs, is currently ranked in the top 27% of over 250 Zacks industries, suggesting a favorable outlook compared to the bottom 50% [9] - Empirical research indicates a strong correlation between near-term stock movements and trends in earnings estimate revisions, which can be tracked by investors [6]

Company Overview - Horace Mann (HMN) is based in Springfield and operates in the Finance sector, focusing on auto and homeowners' insurance for teachers and educators [3] - The stock has experienced a price change of 1.84% this year [3] Dividend Information - Currently, Horace Mann pays a dividend of $0.35 per share, resulting in a dividend yield of 3.5%, which is significantly higher than the Insurance - Multi line industry's yield of 1.86% and the S&P 500's yield of 1.69% [3] - The annualized dividend of $1.40 represents a 2.9% increase from the previous year, with an average annual increase of 3.18% over the last five years [4] - The current payout ratio is 43%, indicating that the company pays out 43% of its trailing 12-month earnings per share as dividends [4] Earnings Growth - The Zacks Consensus Estimate for earnings in 2025 is $3.80 per share, with an expected increase of 19.50% from the previous year [5] Investment Perspective - Dividends are favored by investors for various reasons, including improving stock investing profits and providing tax advantages [6] - High-growth firms typically do not offer dividends, while established companies with secure profits are seen as better dividend options [7] - Horace Mann is considered a compelling investment opportunity due to its strong dividend profile and current Zacks Rank of 3 (Hold) [7]