{"filings":[{"id":2079597,"accession_number":"0000850141-26-000030","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2026-08-05T20:25:41+00:00","items":["2.02","9.01"],"status":"ready","headline":"Horace Mann Q2 net income $41.6M, core EPS $1.17; raises FY2026 guidance to $4.60-$4.90","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 net income $41.6M ($1.01 diluted EPS) vs $29.4M ($0.71) YoY; record core earnings $48.2M ($1.17 diluted EPS).","Total revenues $443.5M (+8% YoY); P&C combined ratio 89.6% improved >7 pts YoY.","Book value $37.11; tangible book value $36.64 (+10% YoY).","Full-year 2026 core EPS guidance raised to $4.60-$4.90.","Non-core earnings include ($8.1M) out-of-period correction to net investment income from private debt securities."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1775718,"accession_number":"0000850141-26-000028","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2026-07-21T20:17:37+00:00","items":["1.01","9.01"],"status":"ready","headline":"Horace Mann to acquire ESI and RNIC, reinsure MedMutual Life, for ~$240M","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Total net purchase price ~$240M; financed with excess capital and existing credit facility.","Adds ~$200M annual revenue, >1M covered lives, ~7,000 employer relationships, >1,000 agents.","ESI acquisition expected to close Q4 2026; RNIC and reinsurance close Q1 2027, subject to regulatory approvals.","Transactions expected to be immediately accretive to core EPS and ROE.","RNIC stock purchase ~$125M; ceding commission ~$7.4M for MedMutual Life reinsurance."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1775637,"accession_number":"0000850141-26-000027","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2026-07-21T20:16:29+00:00","items":["1.01","9.01"],"status":"ready","headline":"Horace Mann acquires three businesses from Medical Mutual for ~$240M, adding $200M revenue","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Total net purchase price ~$240M; financed via excess capital and existing credit facility.","Adds ~$200M annual revenue, 1M+ covered lives, 7,000 employer relationships, 1,000+ agents/brokers.","ESI acquisition expected to close Q4 2026; RNIC and reinsurance close Q1 2027, subject to regulatory approvals.","Transactions expected to be immediately accretive to core EPS and shareholder ROE.","Expands employer solutions, distribution capabilities, and customer reach."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":564636,"accession_number":"0000850141-26-000024","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2026-05-21T13:02:05+00:00","items":["5.07"],"status":"ready","headline":"Horace Mann annual meeting elects 9 directors; all proposals pass","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All director nominees elected; Beverley J. McClure received 1.1M against votes, highest among candidates.","Say-on-pay advisory resolution approved with 37.6M votes for (391k against).","KPMG ratified as independent auditor for 2026 with 37.9M for and 1.1M against.","Broker non-votes of 1.02M on director elections and say-on-pay; none on audit ratification."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":99196,"accession_number":"0000850141-26-000018","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2026-05-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Horace Mann Q1 core EPS $1.28 beats; P&C combined ratio 83.3%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $41.2M ($1.00/diluted); core earnings $52.5M ($1.28/diluted), up 17.4% YoY.","P&C combined ratio 83.3%, improved >5 pts; total revenues up 3.1% to $429.3M.","FY 2026 core EPS guidance maintained at $4.20-$4.50; returned $33M capital (incl. $18M buybacks).","Book value $36.40; adjusted book $40.68; core ROE LTM 12.7% vs 10.6% prior year."],"consensus_eps_estimate":null,"consensus_eps_actual":1.0,"consensus_revenue_estimate":null,"consensus_revenue_actual":429300000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":115065,"accession_number":"0000850141-26-000010","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2026-03-27T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Horace Mann CAO on maternity leave; CFO Greenier named interim CAO","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Maureen Temchuk, VP/Controller/CAO, begins maternity leave ~March 30, 2026.","Leave expected through ~July 6, 2026; Temchuk to resume CAO role after.","Ryan Greenier, EVP/CFO, serves as Interim CAO during leave, no extra pay.","Greenier has been CFO since 2024; prior roles include Deputy CFO and CIO."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":115064,"accession_number":"0000850141-26-000003","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2026-02-03T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Horace Mann reports record core earnings of $196M for FY2025; EPS $4.71","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["FY2025 net income $162.1M ($3.90 diluted EPS); core earnings $195.8M ($4.71 diluted EPS), up 38.5% YoY.","Total revenue $1.70B, up 6.7% YoY; net premiums and contract charges earned rose >7% for the year.","P&C segment combined ratio improved to 89.7% in 2025 (from 97.7% in 2024), driven by lower catastrophe losses.","Book value per share $36.47 (+15.7% YoY); adjusted book value $40.21 (+7.1% YoY); core ROE LTM 12.4%.","Q4 2025 net income $0.87 per share; core EPS $1.21; total revenue up 6.3% YoY to $434.8M."],"consensus_eps_estimate":null,"consensus_eps_actual":3.9,"consensus_revenue_estimate":null,"consensus_revenue_actual":1701400000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":131459,"accession_number":"0000850141-25-000005","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2025-11-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Horace Mann Q3 core EPS $1.36, revenue up 6%; raises FY2025 core EPS guidance to $4.50-$4.70","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $58.3M ($1.40/diluted EPS); record core earnings $56.6M ($1.36/diluted), up 64.5% YoY.","Total revenue $438.5M, +6.4% YoY; net premiums and contract charges earned up 7%.","P&C combined ratio 87.8% improved >10 points YoY, benefiting from lower catastrophe costs.","Full-year 2025 core EPS guidance raised to $4.50-$4.70; targeting record annual core earnings and double-digit shareholder ROE.","Tangible book value per share $34.59, up 9.4% from prior year; adjusted book value $39.51."],"consensus_eps_estimate":null,"consensus_eps_actual":3.03,"consensus_revenue_estimate":null,"consensus_revenue_actual":1266600000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":148045,"accession_number":"0001140361-25-036502","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2025-09-29T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"Horace Mann redeems 4.500% Senior Notes due 2025 on Oct 14","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Notice of redemption for all outstanding 4.500% Senior Notes due 2025 issued.","Redemption date set for October 14, 2025.","Redemption price is 100% of principal plus accrued interest to Oct 14.","Principal amount of notes not disclosed in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":148044,"accession_number":"0001140361-25-036302","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2025-09-26T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Horace Mann prices $300M of 4.700% Senior Notes due 2030, to repay 4.50% notes due Dec 2025","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["$300M aggregate principal of 4.700% Senior Notes due Oct 1, 2030.","Pricing completed Sep 23, closed Sep 26, 2025.","Net proceeds for general corporate purposes, including repayment of $300M 4.50% Senior Notes due Dec 1, 2025.","Interest payable Apr 1 and Oct 1, beginning Apr 1, 2026; notes unsecured and rank equally with other unsecured senior debt.","Joint book-runners: PNC Capital Markets, BMO Capital Markets, J.P. Morgan Securities."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":148043,"accession_number":"0001628280-25-039987","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2025-08-13T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Horace Mann COO Stephen McAnena steps down effective Aug 10, 2025; stays through March 2026","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["EVP and COO Stephen J. McAnena stepped down from officer role effective August 10, 2025.","He remains employed through March 1, 2026 transition period to ensure smooth handover.","Transition salary of $575,000/year plus eligibility for 2025 Annual Incentive Plan and benefits.","Outstanding equity awards continue vesting; any unvested at end of transition period will terminate.","No replacement COO has been announced by Horace Mann."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":148042,"accession_number":"0001628280-25-038381","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2025-08-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Horace Mann Q2 core EPS $1.06 beats; raises FY2025 guidance to $4.15-$4.45","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 net income $29.4M ($0.71/diluted); core earnings $44.2M ($1.06/diluted) – record quarter.","Total revenue $411.7M (+6% YoY); net premiums and contract charges earned up 8%.","P&C combined ratio 97.0%, improved 15 pts YoY; catastrophe costs below prior year.","Adjusted book value $38.46 per share (+5.9% YoY); core ROE LTM 12.6%.","Full-year 2025 core EPS guidance raised to $4.15-$4.45; on track for double-digit ROE."],"consensus_eps_estimate":null,"consensus_eps_actual":1.63,"consensus_revenue_estimate":null,"consensus_revenue_actual":828100000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166783,"accession_number":"0001628280-25-027198","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2025-05-22T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Horace Mann extends credit facility maturity to 2030, maintains $325M commitment","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Fourth Amendment extends commitment termination date from July 2026 to May 2030.","Replaced Eurodollar benchmark with Term SOFR plus 10 bps adjustment; existing rate spreads unchanged.","Outstanding balance remains $0; $325 million total commitment available as of May 19, 2025.","Applicable rate for Term SOFR borrowings stays at 115 bps; unused commitment fee at 15 bps."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166782,"accession_number":"0001628280-25-025729","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2025-05-15T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Horace Mann shareholders elect all 9 directors and approve say-on-pay at annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All 9 director nominees elected with votes for ranging from 38.4M to 39.4M; no close contests.","Advisory resolution on executive compensation approved: 38.4M for, 1.06M against, 522,954 broker non-votes.","Ratification of KPMG as auditor for 2025 passed with 39.1M for, 0.89M against.","Total shares entitled to vote: 40,954,233; broker non-votes of 522,954 on proposals 1 and 2."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":166781,"accession_number":"0001628280-25-022705","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2025-05-06T23:59:59+00:00","items":["2.02","5.02","9.01"],"status":"ready","headline":"Horace Mann Q1 net income $38M, core EPS $1.07; guides FY2025 core EPS $3.85-$4.15","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $38.2M ($0.92 diluted EPS), core earnings $44.7M ($1.07), up 73% from $0.62 prior year.","Total revenue $416.4M, up 8% YoY; net premiums and contract charges earned also up 8%.","Property & Casualty combined ratio 89.4%, improved 11 points vs prior year.","FY2025 core EPS guidance updated to $3.85-$4.15; targeting record core earnings and double-digit ROE.","Maureen Temchuk appointed VP, Controller & CAO effective May 5, 2025; base salary $260k, LTIP $100k."],"consensus_eps_estimate":null,"consensus_eps_actual":0.92,"consensus_revenue_estimate":null,"consensus_revenue_actual":416400000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":184194,"accession_number":"0001628280-25-004071","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2025-02-05T23:59:59+00:00","items":["2.02","5.02","9.01"],"status":"ready","headline":"Horace Mann Q4 core EPS $1.62, FY net income $103M; guides FY25 core EPS $3.60-$3.90","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Full-year net income $102.8M ($2.48/sh) vs $45M in 2023; core earnings $132.1M ($3.18/sh).","Q4 2024 core EPS of $1.62, up 93% YoY from $0.84; record quarterly core earnings.","P&C combined ratio improved 15 pts to 97.9% for full year 2024.","FY 2025 core EPS guidance $3.60-$3.90; expects double-digit shareholder return on equity.","EVP Corporate Strategy Matthew Sharpe retiring effective March 15, 2025; duties absorbed internally."],"consensus_eps_estimate":null,"consensus_eps_actual":2.48,"consensus_revenue_estimate":null,"consensus_revenue_actual":1595200000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":200785,"accession_number":"0001628280-24-048599","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2024-11-20T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Horace Mann's SVP, Controller and PAO Kimberly Johnson to retire Jan 3; CFO Greenier assumes role","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Kimberly Johnson, SVP, Controller and Principal Accounting Officer, retiring effective Jan 3, 2025.","Johnson joined in 2002 as Assistant Controller; appointed VP and Controller in April 2017.","EVP and CFO Ryan Greenier will serve as Principal Accounting Officer upon her retirement.","Retirement is planned; no immediate financial impact disclosed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":200784,"accession_number":"0001628280-24-045009","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2024-11-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Horace Mann Q3 net income $34M ($0.83 EPS); core EPS $0.76, revenue up 9%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $412.1M, up 8.8% YoY; net premiums and contract charges earned up 9%.","Property & Casualty combined ratio 97.9% improved 19 pts YoY, with 18 pts catastrophe losses offset by 7 pts favorable reserve development.","Full-year 2024 core EPS guidance reaffirmed at $2.40-$2.70.","Book value per share $31.60, adjusted book value $36.89, tangible book value $31.62.","Core ROE (LTM) 6.7% vs 1.8% a year ago; double-digit sales growth in Auto, Life, Individual Supplemental lines."],"consensus_eps_estimate":null,"consensus_eps_actual":1.56,"consensus_revenue_estimate":null,"consensus_revenue_actual":1186200000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216799,"accession_number":"0001628280-24-041074","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2024-09-23T23:59:59+00:00","items":["5.02","5.03","9.01"],"status":"ready","headline":"Horace Mann names Ryan Greenier CFO effective Oct 1; Bret Conklin to retire in 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Ryan Greenier, 42, appointed EVP & CFO effective Oct 1, 2024, succeeding Bret Conklin who will retire in 2025.","Greenier's salary set at $350,000 with AIP target of 50% and LTIP target of $275,000; no immediate compensation change.","Board entered letter agreement with CEO Marita Zuraitis to vest outstanding equity upon separation/retirement through Dec 31, 2027.","COO Stephen McAnena now leads all business operations including the Worksite division.","Bylaws amended to add advance notice provisions for director nominations and stockholder proposals, effective for 2025 annual meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216798,"accession_number":"0001628280-24-035664","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2024-08-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Horace Mann Q2 net income $4M, core EPS $0.20; revises FY2024 guidance to $2.40-$2.70","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 net income $3.8M ($0.09 diluted) vs. loss $12.8M in Q2 2023; core earnings $8.4M ($0.20 diluted).","Total revenue $388.1M, up 9% YoY; net premiums and contract charges earned up 8%.","P&C combined ratio improved 13 pts YoY, including 3.5 pts favorable prior-year reserve development.","Full-year 2024 core EPS guidance revised to $2.40-$2.70 due to lower expected net investment income in Life & Retirement.","Adjusted book value per share $36.33, up 2.2% YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":0.73,"consensus_revenue_estimate":null,"consensus_revenue_actual":774100000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":216797,"accession_number":"0001628280-24-032999","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2024-07-25T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Horace Mann cuts FY 2024 core EPS guidance to $2.40-$2.70 on lower investment income","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 2024 core EPS expected $0.18-$0.20; full-year guidance lowered from prior range due to commercial mortgage loan fund mark-to-market valuation adjustments.","Life & Retirement segment full-year earnings revised to $50-$56M; P&C segment guidance narrowed to $36-$39M with catastrophe losses of $40-$42M pretax in Q2.","P&C sales increased more than 30% in Q2; new money yields exceeded book yield by 163 bps at quarter-end.","Supplemental & Group Benefits full-year earnings estimate raised to $49-$52M on lower-than-expected benefits utilization."],"consensus_eps_estimate":null,"consensus_eps_actual":0.73,"consensus_revenue_estimate":null,"consensus_revenue_actual":774100000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":236507,"accession_number":"0001628280-24-024873","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2024-05-23T23:59:59+00:00","items":[],"status":"ready","headline":"Horace Mann shareholders elect all 9 directors; say-on-pay passes with 39% opposed","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All 9 director nominees elected; support ranged from 36.9M (Beverley J. McClure) to 38.1M (Thomas A. Bradley).","First amendment to 2010 Executive Compensation Plan approved with 35.5M votes for, 2.6M against.","Advisory say-on-pay resolution passed with 23.0M for, 15.1M against (approx. 39% opposed).","Ratification of KPMG as auditor for 2024 approved with 38.0M for, 0.99M against."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":236506,"accession_number":"0001628280-24-021659","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2024-05-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Horace Mann Q1 net income $0.64 EPS, core EPS $0.60; P&C returns to profit; FY 2024 guidance reaffirmed","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue $386M, up 9% YoY; net premiums +8%; net investment income +7%.","Net income $27M ($0.64 EPS) vs $6.6M ($0.16 EPS) in Q1 2023.","Core earnings $25M ($0.60 EPS); adjusted core $26M ($0.62 EPS).","P&C segment profit $11M; FY 2024 core EPS guidance unchanged at $3.00-$3.30.","Book value $29.57; adjusted book value $36.52; dividend increased for 16th consecutive year."],"consensus_eps_estimate":null,"consensus_eps_actual":0.64,"consensus_revenue_estimate":null,"consensus_revenue_actual":386000000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":254145,"accession_number":"0001628280-24-003725","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2024-02-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Horace Mann Q4 net income $0.95/sh, core $0.84; FY2024 EPS guidance $3.00-$3.30","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $39.5M ($0.95 diluted EPS); core earnings $0.84/share; revenue $402.9M (+16% YoY).","Full-year net income $45M ($1.09/share); core EPS $1.54; total revenue up 8% to $1.49B.","Property & Casualty segment Q4 profit $8.8M vs loss $25M in 2022; full-year loss $35.5M (improved).","FY2024 EPS guidance $3.00-$3.30; P&C expected to return to full-year profitability.","Adjusted book value per share $36.29 at year end; net premiums written +6% for year and Q4."],"consensus_eps_estimate":null,"consensus_eps_actual":1.09,"consensus_revenue_estimate":null,"consensus_revenue_actual":1491900000.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":271609,"accession_number":"0001628280-23-040028","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2023-11-27T23:59:59+00:00","items":["5.04","9.01"],"status":"ready","headline":"Horace Mann 401(k) plan blackout Dec 28–Jan 5 due to trust provider change","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Trust provider changing from Northern Trust to State Street Bank effective Jan 1, 2024.","Blackout period expected Dec 28, 2023 to Jan 5, 2024; participants cannot trade or take loans.","Executive officers and directors are prohibited from trading HMN stock during blackout under SOX 306.","Participants may contact Transamerica at 800-713-2858 for blackout status."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":271608,"accession_number":"0001628280-23-036446","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2023-11-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Horace Mann Q3 net income falls 43% to $0.28/share; core EPS $0.44 down 40% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $11.7M ($0.28/diluted) vs $20.4M ($0.49) prior year; core earnings $18.3M ($0.44) vs $30.5M ($0.73).","Total revenues $378.7M, up 10.5% YoY; net investment income up 22%.","P&C segment net loss $11.3M (combined ratio 116.6%) vs loss $2.5M (107.5%), with catastrophe losses of $28.7M pretax.","Life & Retirement net income $21M; Supplemental & Group Benefits earnings positive.","Full-year 2023 EPS guidance maintained at $1.20-$1.45; 2024 core ROE target near 10%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.13,"consensus_revenue_estimate":null,"consensus_revenue_actual":1089000000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":288474,"accession_number":"0001140361-23-044143","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2023-09-15T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Horace Mann prices $300M of 7.250% Senior Notes due 2028 to repay revolving credit","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["$300M aggregate principal of 7.250% senior notes due Sep 15, 2028; priced Sep 12, closed Sep 15, 2023.","Net proceeds to repay borrowings under floating-rate revolving credit agreement; remainder for general corporate purposes.","Interest payable semiannually on Mar 15 and Sep 15, starting Mar 15, 2024.","Notes are unsecured senior obligations ranking equally with other unsecured debt.","J.P. Morgan Securities LLC and PNC Capital Markets LLC acted as joint book-running managers."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":288473,"accession_number":"0001628280-23-026476","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2023-08-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Horace Mann Q2 net loss $13M ($0.31/sh); core EPS $0.03; $41.5M catastrophe losses","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $12.8M ($0.31 diluted EPS); core earnings of $0.9M ($0.03/sh) vs $8M core earnings in prior year.","Catastrophe losses of $41.5M pretax drove P&C segment core loss; P&C net premiums written up 8.2% to $170.9M.","FY2023 core EPS guidance reaffirmed at $1.20-$1.45; P&C segment core loss guidance $27M-$32M due to weather.","Filed 20% CA auto rate increase and 25% CA property rate increase; cumulative auto rate actions ~25% by year-end 2023.","Life & Retirement core earnings guidance $63M-$65M; Supplemental & Group Benefits core earnings guidance $47M-$50M."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.15,"consensus_revenue_estimate":null,"consensus_revenue_actual":710300000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":288472,"accession_number":"0001628280-23-025262","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2023-07-20T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Horace Mann sees Q2 core EPS $0.01-$0.03 on $41-$43M catastrophe losses","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 2023 core EPS expected $0.01-$0.03; catastrophe losses $41-$43M pretax (26-27 pts of combined ratio).","Full-year 2023 core EPS guidance maintained at $1.20-$1.45; catastrophe loss estimate raised to $95-$100M.","Auto rate increases since 2022 total ~15% nationwide; full-year impact expected ~20%.","Property average renewal premiums expected to rise 17%-20% in 2023 due to rate actions.","Worksite and Life & Retirement businesses remain strong, offsetting P&C weather impact."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.15,"consensus_revenue_estimate":null,"consensus_revenue_actual":710300000.0,"consensus_period":"2023-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":308996,"accession_number":"0001628280-23-019732","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2023-05-25T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Horace Mann elects Victor Fetter and Aaliyah Samuel to board; all directors approved >98%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Elected Victor P. Fetter (Global CIO of Fortive) and Dr. Aaliyah A. Samuel (CEO of CASEL) to the board.","All 9 director nominees received over 98% of votes cast at the May 24 annual meeting.","Advisory say-on-pay resolution approved with over 95% of votes cast; 92% favored 1-year frequency.","Ratification of KPMG as 2023 auditor received over 95% of votes cast."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.15,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":308995,"accession_number":"0001628280-23-014890","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2023-05-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Horace Mann Q1 core EPS $0.23 vs $0.77 YoY; FY guidance unchanged at $2.00-$2.30","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $6.6M ($0.16 diluted), down 67.5%; core earnings $9.7M ($0.23), down 70.2% from Q1 2022.","Catastrophe losses rose to $22M pretax from $7M in prior-year quarter, impacting P&C segment.","FY 2023 core EPS guidance reaffirmed at $2.00-$2.30; 2024 ROE target 10% with core EPS approaching $4.","P&C segment core earnings guidance cut to breakeven-$5M; S&GB segment guidance raised to $45M-$49M.","Auto rate increases planned cumulative 18%-20% by year-end 2023; property rate increases 12%-15%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.16,"consensus_revenue_estimate":null,"consensus_revenue_actual":353900000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":308994,"accession_number":"0001628280-23-012278","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2023-04-20T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Horace Mann expects Q1 core EPS $0.21-$0.23; catastrophe losses $22-23M vs $7.3M year ago; reaffirms FY guidance","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Expected Q1 2023 core EPS $0.21-$0.23; catastrophe losses $22-23M pretax (~15pts combined ratio) vs $7.3M (4.8pts) in Q1 2022.","Full-year 2023 core EPS guidance reaffirmed at $2.00-$2.30; company expects 2024 core EPS approaching $4.","23 PCS catastrophe events in Q1 2023 (vs 11 in Q1 2022), including two severe Midwest storms in late March.","Company cites strong claims response and remains confident in growing education market share; targets double-digit ROE in 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":0.16,"consensus_revenue_estimate":null,"consensus_revenue_actual":353900000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":308993,"accession_number":"0001628280-23-011248","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2023-04-11T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Horace Mann names Stephen J. McAnena as EVP & COO effective May 8, 2023","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Annual salary of $500,000; eligible for AIP with 60% target incentive.","One-time cash sign-on of $250,000; equity grant of $500,000 in May 2023.","McAnena previously President of Personal Lines at Farmers Insurance and 25 years at Liberty Mutual.","Role is newly created; initial focus on retail market opportunities and household acquisition growth."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":308992,"accession_number":"0001628280-23-010432","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2023-04-04T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Horace Mann adopts ASU 2018-12 for long-duration contracts; recasts prior period results in new supplement","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Adopted ASU 2018-12 effective Jan 1, 2023 using modified retrospective approach with transition date Jan 1, 2021.","Furnished recast investor supplement for Dec 31, 2022 (Exhibit 99.2) to illustrate changes to prior period financials.","Included glossary of selected non-GAAP measures (Exhibit 99.1) for reference; actual recast figures not provided in filing text.","Disclosure made under Regulation FD; information is furnished, not filed.","No specific recast numbers or financial impact figures available in the provided exhibits."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":327761,"accession_number":"0001628280-23-006506","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2023-03-06T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Horace Mann raises dividend 3.1% to $0.33/qtr; guides 2024 core EPS near $4","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend increased 3.1% to $0.33/share quarterly ($1.32 annual); payable March 31, 2023 to holders of record March 16, 2023.","2023 core EPS guidance $2.00-$2.30; 2024 core EPS approaching $4 with double-digit ROE.","Worksite Division sales in Jan-Feb 2023: direct products up >150% YoY, employer-sponsored up >50%.","Targeted 2023 rate increases: auto 18-20%, property 12-15%; 2024 combined ratio targets 97-98% auto, 92-93% property."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":327760,"accession_number":"0001628280-23-002597","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2023-02-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Horace Mann reports Q4 net loss of $18.5M; full-year net loss $2.6M; guides 2023 core EPS $2.00-$2.30","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $18.5M ($0.45 per share) in Q4 2022; full-year net loss $2.6M ($0.06 per share) vs net income $142.8M in 2021.","Core loss of $4.7M ($0.11 per share) in Q4; full-year core earnings $45.7M ($1.09 per share), down 69.8% YoY.","2023 guidance: core EPS $2.00-$2.30; core earnings $84M-$96M; managed portfolio net investment income $330M-$340M.","Property & Casualty expects core earnings $5M-$10M in 2023; auto rate increases 18-20% over next four quarters.","CEO Marita Zuraitis cites strong Q4 sales momentum; targets double-digit ROE in 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.06,"consensus_revenue_estimate":null,"consensus_revenue_actual":1382900000.0,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":327759,"accession_number":"0001628280-23-001486","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2023-01-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Horace Mann expects Q4 P&C segment loss of $25-29M after tax from weather and reserve hikes","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 P&C segment loss estimated at $25M-$29M after tax, driven by severe weather and higher loss costs.","Winter Storm Elliott caused ~$8M pretax property losses across 30+ states in late December.","Adding ~$14M pretax to prior-year P&C reserves and ~$5M to reserves for first three quarters of 2022.","Company accelerating rate increases and non-rate underwriting actions to restore profitability.","Full Q4 and FY 2022 results to be released Feb. 7; investor call Feb. 8."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.06,"consensus_revenue_estimate":null,"consensus_revenue_actual":1382900000.0,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":345451,"accession_number":"0001628280-22-028252","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2022-11-03T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Horace Mann Q3 core EPS $0.57 beats year ago; cuts FY2022 core guidance to $1.70-$2.00","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 total revenues $343M (+4.1% YoY); core EPS $0.57 vs $0.50 a year ago.","P&C segment underlying loss ratio 69.3% (vs 61.4%) due to inflation; combined ratio 107.5%.","FY2022 core EPS guidance revised to $1.70-$2.00 from prior range, citing inflation and market volatility.","Plans auto rate increases of 15%-16% and property rate increases of 8%-9% over next five quarters.","Expects double-digit ROE trajectory to resume in 2023; high-single digit ROE target set for 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":0.38,"consensus_revenue_estimate":null,"consensus_revenue_actual":1036100000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":361903,"accession_number":"0001628280-22-021183","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2022-08-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Horace Mann Q2 net loss $0.30/sh; core loss $0.01 on catastrophes and inflation","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $12.5M ($0.30 diluted EPS); core loss $0.3M ($0.01 per share).","P&C combined ratio 126.9% driven by $45.7M catastrophe losses from 22 severe weather events.","Auto underlying loss ratio rose 8.9 pts to 76.9% due to inflation and increased loss severity.","Net investment income fell to $7.7M from $21.7M on equity market declines in limited partnership funds.","Full-year 2022 core EPS guidance raised to $2.15-$2.35; $24M used to repurchase 670,816 shares YTD."],"consensus_eps_estimate":null,"consensus_eps_actual":0.05,"consensus_revenue_estimate":null,"consensus_revenue_actual":693100000.0,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":361902,"accession_number":"0001628280-22-018891","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2022-07-13T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Horace Mann pre-announces Q2 loss, cuts FY2022 core EPS guidance to $2.10-$2.30","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 catastrophe losses approx $44M-$47M pretax; Q2 core EPS loss of $0.10-$0.20.","FY2022 core EPS guidance lowered to $2.10-$2.30; P&C segment core earnings now $10M-$14M (from $44M-$48M).","Life & Retirement core earnings guidance cut to $56M-$59M (from $74M-$77M) due to equity market DAC unlocking.","Adding $6M pretax to P&C reserves for inflation; full-year net investment income at low end of $310M-$320M.","Board authorized new $50M share repurchase plan; $14M used in first half 2022 to buy 375K shares."],"consensus_eps_estimate":null,"consensus_eps_actual":0.05,"consensus_revenue_estimate":null,"consensus_revenue_actual":693100000.0,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":381348,"accession_number":"0001628280-22-015472","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2022-05-26T23:59:59+00:00","items":["5.07","8.01","9.01"],"status":"ready","headline":"Horace Mann authorizes new $50M share buyback program, declares $0.32 quarterly dividend","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized new $50M share repurchase program, replacing nearly completed prior authorizations.","Company has repurchased $95.5M total since 2011; $10.8M in 2022 YTD through May 24.","Regular quarterly dividend of $0.32 per share declared, payable June 30 to holders of record June 15.","Management targets 10% avg annual EPS growth and sustained double-digit ROE starting 2023, expecting >$50M excess capital yearly."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":381347,"accession_number":"0001628280-22-012710","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2022-05-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Horace Mann Q1 net income falls 63%; core EPS $0.64 vs $1.10; guidance lowered to low end of $3.45-$3.65","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $14.5M ($0.35 diluted EPS) vs $39.3M ($0.93) in Q1 2021; core earnings $26.7M ($0.64) vs $46.4M ($1.10).","Property & Casualty combined ratio 98.4% (vs 86.2%); auto combined ratio 101.8% driven by inflation and frequency near pre-pandemic levels.","2022 EPS guidance narrowed to lower end of $3.45-$3.65 range; targeting 10% avg annual EPS growth and double-digit ROEs from 2023.","Completed acquisition of Madison National Life (effective Jan 1, 2022), adding ~340K educator households and new employer-sponsored product line.","Book value per share down 9% to $37.14 due to higher rates; adjusted book value per share up 5% to $36.65."],"consensus_eps_estimate":null,"consensus_eps_actual":0.35,"consensus_revenue_estimate":null,"consensus_revenue_actual":346800000.0,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.82,"calibrated_materiality_score":0.82,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":399345,"accession_number":"0001628280-22-001571","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2022-02-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Horace Mann reports record 2021 core EPS of $3.59; guides 2022 EPS $3.45-$3.65","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Full-year 2021 net income $142.8M ($3.39/share); record core earnings $151.4M ($3.59/share).","Book value per share $43.66 (up 1%); book value ex unrealized gains up 6.6% to $36.64.","2022 core EPS guidance $3.45-$3.65, ROE near 10%; targets 10% avg growth from 2023.","Acquired Madison National Life Jan 1, 2022; expects at least $0.15 EPS accretion in 2022.","P&C core earnings $57M, underlying combined ratio 87.7%; auto loss ratio returned to pre-pandemic."],"consensus_eps_estimate":null,"consensus_eps_actual":3.39,"consensus_revenue_estimate":null,"consensus_revenue_actual":1330100000.0,"consensus_period":"2021-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":399344,"accession_number":"0001628280-22-000118","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2022-01-03T23:59:59+00:00","items":["2.03","8.01","9.01"],"status":"ready","headline":"Horace Mann completes $172.5M acquisition of Madison National Life; expects 2022 EPS accretion of $0.15-$0.20","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Completed acquisition of Madison National Life Insurance Co. for $172.5M; potential earn-out up to $12.5M by 2023.","Funded with cash on hand and $114.0M draw on expanded $325M credit facility; leverage ratio ~25%.","Expects 2022 EPS accretion of at least $0.15-$0.20 per share and ~50 bps ROE contribution.","Will report two divisions from Q1 2022: Individual Insurance & FS, and Supplemental & Group Benefits.","Horace Mann Educators Foundation donates $20k to Madison Public Schools Foundation."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":418333,"accession_number":"0001628280-21-022294","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2021-11-08T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Horace Mann appoints Thomas A. Bradley to Board of Directors","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Thomas A. Bradley appointed to Horace Mann Board effective immediately.","Bradley will serve on the Audit Committee.","He currently chairs Argo Group International and was EVP/CFO of Allied World Assurance.","Bradley participates in the standard non-employee director compensation program.","Board Chair cites Bradley's financial and governance expertise amid pending Madison National Life acquisition."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":418332,"accession_number":"0001628280-21-021508","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2021-11-03T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Horace Mann Q3 net income $0.39, core EPS $0.50; P&C hit by catastrophe losses","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $16.3M ($0.39/diluted) vs $36.5M ($0.87) a year ago; core earnings $21.4M ($0.50) vs $34.6M ($0.82).","P&C segment had $38.6M pretax catastrophe losses (Hurricane Ida $23.7M); combined ratio 112% vs 96.5%.","Management guides Q4 2021 core EPS $0.65-$0.80; full-year ROE approaching 10%.","Madison National Life acquisition on track for early 2022; expects EPS accretion of $0.15-$0.20."],"consensus_eps_estimate":null,"consensus_eps_actual":2.43,"consensus_revenue_estimate":null,"consensus_revenue_actual":998700000.0,"consensus_period":"2021-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":418331,"accession_number":"0001628280-21-019581","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2021-10-04T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Horace Mann estimates Q3 2021 catastrophe losses $35-40M, partly from Hurricane Ida","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Pretax catastrophe losses estimated at $35-40M in Q3 2021, with Hurricane Ida contributing $20-25M.","24 PCS-designated catastrophe events in Q3 2021 vs. 30 in Q3 2020 and 17 in Q3 2019.","Company will report full Q3 2021 results on Nov 3 and host a conference call Nov 4 at 11:00 AM ET.","Management expects Q4 2021 catastrophe losses to be in line with its $7-9M 10-year average.","Net investment income and Supplemental segment sales trends cited as partially offsetting factors."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":435897,"accession_number":"0001628280-21-015171","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2021-08-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Horace Mann Q2 net income $1.11, core EPS $1.02; reaffirms 2021 guidance; plans Madison National acquisition","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q2 net income $46.7M ($1.11 EPS), up 52% YoY; core earnings $42.8M ($1.02 EPS), up 52%.","Total revenues $347.1M, up 10% YoY; net investment income rose $29M (+36%) on strong alternatives.","Reaffirms 2021 core EPS guidance $3.50-$3.70, with ROE above 10%.","Plans early-2022 acquisition of Madison National for employer-sponsored benefit products; expects mid-single-digit EPS accretion.","Book value per share up 10% to $43.78; book value ex unrealized gains up 9% to $35.78."],"consensus_eps_estimate":null,"consensus_eps_actual":2.04,"consensus_revenue_estimate":null,"consensus_revenue_actual":669100000.0,"consensus_period":"2021-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":435896,"accession_number":"0001628280-21-013804","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2021-07-14T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Horace Mann acquires Madison National Life for $172.5M to expand educator benefits","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Purchase price $172.5M; potential earnout up to $12.5M if 2023 targets met.","Expected to close early Q1 2022, subject to regulatory approvals.","Expects mid-single-digit EPS accretion and ~50 bps ROE contribution post-close.","Madison National had ~$108M net premiums and ~$14M statutory earnings in 2020.","Credit facility expanded to $325M to fund acquisition; leverage expected below 25%."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":435895,"accession_number":"0001628280-21-013363","cik":850141,"company_name":"HORACE MANN EDUCATORS CORP /DE/","ticker":"HMN","form_type":"8-K","filed_at":"2021-07-01T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Horace Mann raises 2021 EPS guidance to $3.50-$3.70, over 15% increase","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Revised 2021 EPS guidance to $3.50-$3.70 from $3.00-$3.20, driven by strong net investment income and lower Q2 catastrophe losses.","Net investment income guidance raised to $385M-$405M (from $370M-$390M) due to outsized returns on alternatives portfolio in Q2.","Q2 catastrophe losses expected at $15M-$18M, significantly below original plan; H2 catastrophe loss assumption unchanged at $20M-$25M.","Core return on equity now expected above 10% for full year 2021.","Auto loss ratios returning to pre-pandemic levels; Supplemental policyholder behavior recovering slower than expected."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":1888627465.415154,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2021-07-01T23:59:59+00:00|435895"}