{"schema_version":"secwatch.filing_event.v1","accession":"0000850141-26-000003","form_type":"8-K","ticker":"HMN","cik":"0000850141","company_name":"HORACE MANN EDUCATORS CORP /DE/","filed_at":"2026-02-03T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.822583+00:00","generated_at":"2026-05-16T05:30:21.314289+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Horace Mann reports record core earnings of $196M for FY2025; EPS $4.71","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."],"urls":{"canonical":"https://secwatch.observer/filing/0000850141-26-000003","json":"https://secwatch.observer/filing/0000850141-26-000003.json","markdown":"https://secwatch.observer/filing/0000850141-26-000003.md","text":"https://secwatch.observer/filing/0000850141-26-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/850141/000085014126000003/0000850141-26-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/850141/000085014126000003/hmn-20260203.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T05:30:21.314289+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"}