{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-22-028252","form_type":"8-K","ticker":"HMN","cik":"0000850141","company_name":"HORACE MANN EDUCATORS CORP /DE/","filed_at":"2022-11-03T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.717365+00:00","generated_at":"2026-06-22T10:45:48.667956+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 core EPS $0.57 beats year ago; cuts FY2022 core guidance to $1.70-$2.00","bullets":["Q3 total revenues $343M (+4.1% YoY); core EPS $0.57 vs $0.50 a year ago.","P&C segment underlying loss ratio 69.3% (vs 61.4%) due to inflation; combined ratio 107.5%.","FY2022 core EPS guidance revised to $1.70-$2.00 from prior range, citing inflation and market volatility.","Plans auto rate increases of 15%-16% and property rate increases of 8%-9% over next five quarters.","Expects double-digit ROE trajectory to resume in 2023; high-single digit ROE target set for 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-22-028252","json":"https://secwatch.observer/filing/0001628280-22-028252.json","markdown":"https://secwatch.observer/filing/0001628280-22-028252.md","text":"https://secwatch.observer/filing/0001628280-22-028252.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/850141/000162828022028252/0001628280-22-028252-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/850141/000162828022028252/hmn-20221103.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T10:45:48.667956+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":[{"claim_id":"48b6d05ad9691d83d8429a9616e8d57fb35b0bdb","claim":"HORACE MANN EDUCATORS CORP /DE/ reported financial results for the three and nine months ended September 30, 2022.","evidence_excerpt":"On November 3, 2022, the Company issued a news release reporting its financial results for the three and nine months ended September 30, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/850141/000162828022028252/0001628280-22-028252-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three and nine months ended September 30, 2022"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}