---
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"
generated_at: "2026-05-16T05:30:21.314289+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Horace Mann reports record core earnings of $196M for FY2025; EPS $4.71

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000850141-26-000003
- JSON: https://secwatch.observer/filing/0000850141-26-000003.json
- Plain text: https://secwatch.observer/filing/0000850141-26-000003.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.