{"schema_version":"secwatch.filing_event.v1","accession":"0000850141-25-000005","form_type":"8-K","ticker":"HMN","cik":"0000850141","company_name":"HORACE MANN EDUCATORS CORP /DE/","filed_at":"2025-11-04T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.360301+00:00","generated_at":"2026-05-17T00:47:10.098993+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Horace Mann Q3 core EPS $1.36, revenue up 6%; raises FY2025 core EPS guidance to $4.50-$4.70","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."],"urls":{"canonical":"https://secwatch.observer/filing/0000850141-25-000005","json":"https://secwatch.observer/filing/0000850141-25-000005.json","markdown":"https://secwatch.observer/filing/0000850141-25-000005.md","text":"https://secwatch.observer/filing/0000850141-25-000005.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/850141/000085014125000005/0000850141-25-000005-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/850141/000085014125000005/hmn-20251104.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T00:47:10.098993+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}