secwatch.observer — SEC 8-K summary
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Issuer:     HORACE MANN EDUCATORS CORP /DE/ (HMN)
CIK:        0000850141
Form:       8-K
Filed at:   2026-02-03T23:59:59+00:00
Accession:  0000850141-26-000003
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/850141/000085014126000003/0000850141-26-000003-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/850141/000085014126000003/hmn-20260203.htm
  HTML page:      https://secwatch.observer/filing/0000850141-26-000003

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