---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-22-001571"
form_type: "8-K"
ticker: "HMN"
cik: "0000850141"
company_name: "HORACE MANN EDUCATORS CORP /DE/"
filed_at: "2022-02-01T23:59:59+00:00"
generated_at: "2026-06-27T13:16:24.674923+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Horace Mann reports record 2021 core EPS of $3.59; guides 2022 EPS $3.45-$3.65

## Summary
- Full-year 2021 net income $142.8M ($3.39/share); record core earnings $151.4M ($3.59/share).
- Book value per share $43.66 (up 1%); book value ex unrealized gains up 6.6% to $36.64.
- 2022 core EPS guidance $3.45-$3.65, ROE near 10%; targets 10% avg growth from 2023.
- Acquired Madison National Life Jan 1, 2022; expects at least $0.15 EPS accretion in 2022.
- P&C core earnings $57M, underlying combined ratio 87.7%; auto loss ratio returned to pre-pandemic.

## SEC filing metadata
- accession: 0001628280-22-001571
- form_type: 8-K
- ticker: HMN
- cik: 0000850141
- company_name: HORACE MANN EDUCATORS CORP /DE/
- filed_at: 2022-02-01T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/850141/000162828022001571/0001628280-22-001571-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/850141/000162828022001571/hmn-20220201.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-22-001571
- JSON: https://secwatch.observer/filing/0001628280-22-001571.json
- Plain text: https://secwatch.observer/filing/0001628280-22-001571.txt

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