{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-21-021508","form_type":"8-K","ticker":"HMN","cik":"0000850141","company_name":"HORACE MANN EDUCATORS CORP /DE/","filed_at":"2021-11-03T23:59:59+00:00","discovered_at":"2026-05-14T18:04:15.845629+00:00","generated_at":"2026-06-28T14:43:50.942106+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Horace Mann Q3 net income $0.39, core EPS $0.50; P&C hit by catastrophe losses","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-21-021508","json":"https://secwatch.observer/filing/0001628280-21-021508.json","markdown":"https://secwatch.observer/filing/0001628280-21-021508.md","text":"https://secwatch.observer/filing/0001628280-21-021508.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/850141/000162828021021508/0001628280-21-021508-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/850141/000162828021021508/hmn-20211103.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-28T14:43:50.942106+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"}