---
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"
generated_at: "2026-06-22T10:45:48.667956+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Horace Mann Q3 core EPS $0.57 beats year ago; cuts FY2022 core guidance to $1.70-$2.00

## Summary
- 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.

## SEC filing metadata
- 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
- 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/850141/000162828022028252/0001628280-22-028252-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/850141/000162828022028252/hmn-20221103.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-22-028252
- JSON: https://secwatch.observer/filing/0001628280-22-028252.json
- Plain text: https://secwatch.observer/filing/0001628280-22-028252.txt

## Key facts
- Earnings Releases
  HORACE MANN EDUCATORS CORP /DE/ reported financial results for the three and nine months ended September 30, 2022.
  - Period: the three and nine months ended September 30, 2022
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/850141/000162828022028252/0001628280-22-028252-index.htm

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