{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-22-012710","form_type":"8-K","ticker":"HMN","cik":"0000850141","company_name":"HORACE MANN EDUCATORS CORP /DE/","filed_at":"2022-05-05T23:59:59+00:00","discovered_at":"2026-05-14T18:04:03.926924+00:00","generated_at":"2026-06-26T00:10:49.063612+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.82,"calibrated_materiality_score":0.82,"confidence":"high","headline":"Horace Mann Q1 net income falls 63%; core EPS $0.64 vs $1.10; guidance lowered to low end of $3.45-$3.65","bullets":["Net income $14.5M ($0.35 diluted EPS) vs $39.3M ($0.93) in Q1 2021; core earnings $26.7M ($0.64) vs $46.4M ($1.10).","Property & Casualty combined ratio 98.4% (vs 86.2%); auto combined ratio 101.8% driven by inflation and frequency near pre-pandemic levels.","2022 EPS guidance narrowed to lower end of $3.45-$3.65 range; targeting 10% avg annual EPS growth and double-digit ROEs from 2023.","Completed acquisition of Madison National Life (effective Jan 1, 2022), adding ~340K educator households and new employer-sponsored product line.","Book value per share down 9% to $37.14 due to higher rates; adjusted book value per share up 5% to $36.65."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-22-012710","json":"https://secwatch.observer/filing/0001628280-22-012710.json","markdown":"https://secwatch.observer/filing/0001628280-22-012710.md","text":"https://secwatch.observer/filing/0001628280-22-012710.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/850141/000162828022012710/0001628280-22-012710-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/850141/000162828022012710/hmn-20220505.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T00:10:49.063612+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"}