---
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"
generated_at: "2026-06-19T23:28:32.939238+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Horace Mann reports Q4 net loss of $18.5M; full-year net loss $2.6M; guides 2023 core EPS $2.00-$2.30

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- 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/850141/000162828023002597/0001628280-23-002597-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/850141/000162828023002597/hmn-20230207.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-23-002597
- JSON: https://secwatch.observer/filing/0001628280-23-002597.json
- Plain text: https://secwatch.observer/filing/0001628280-23-002597.txt

## Key facts
- Earnings Releases
  HORACE MANN EDUCATORS CORP /DE/ reported financial results for the three and twelve months ended December 31, 2022.
  - Period: the three and twelve months ended December 31, 2022
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/850141/000162828023002597/0001628280-23-002597-index.htm

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