---
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"
generated_at: "2026-06-28T14:43:50.942106+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Horace Mann Q3 net income $0.39, core EPS $0.50; P&C hit by catastrophe losses

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-21-021508
- JSON: https://secwatch.observer/filing/0001628280-21-021508.json
- Plain text: https://secwatch.observer/filing/0001628280-21-021508.txt

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