{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-23-002597","form_type":"8-K","ticker":"HMN","cik":"0000850141","company_name":"HORACE MANN EDUCATORS CORP /DE/","filed_at":"2023-02-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:48.251418+00:00","generated_at":"2026-06-19T23:28:32.939238+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Horace Mann reports Q4 net loss of $18.5M; full-year net loss $2.6M; guides 2023 core EPS $2.00-$2.30","bullets":["Net loss of $18.5M ($0.45 per share) in Q4 2022; full-year net loss $2.6M ($0.06 per share) vs net income $142.8M in 2021.","Core loss of $4.7M ($0.11 per share) in Q4; full-year core earnings $45.7M ($1.09 per share), down 69.8% YoY.","2023 guidance: core EPS $2.00-$2.30; core earnings $84M-$96M; managed portfolio net investment income $330M-$340M.","Property & Casualty expects core earnings $5M-$10M in 2023; auto rate increases 18-20% over next four quarters.","CEO Marita Zuraitis cites strong Q4 sales momentum; targets double-digit ROE in 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-23-002597","json":"https://secwatch.observer/filing/0001628280-23-002597.json","markdown":"https://secwatch.observer/filing/0001628280-23-002597.md","text":"https://secwatch.observer/filing/0001628280-23-002597.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/850141/000162828023002597/0001628280-23-002597-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/850141/000162828023002597/hmn-20230207.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-19T23:28:32.939238+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":"799d24b1472584f05826dbacf8aec12948934c7a","claim":"HORACE MANN EDUCATORS CORP /DE/ reported financial results for the three and twelve months ended December 31, 2022.","evidence_excerpt":"On February 7, 2023, the Company issued a news release reporting its financial results for the three and twelve months ended December 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/850141/000162828023002597/0001628280-23-002597-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three and twelve months ended December 31, 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"}