{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-23-012278","form_type":"8-K","ticker":"HMN","cik":"0000850141","company_name":"HORACE MANN EDUCATORS CORP /DE/","filed_at":"2023-04-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:42.431193+00:00","generated_at":"2026-06-16T23:08:30.723244+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Horace Mann expects Q1 core EPS $0.21-$0.23; catastrophe losses $22-23M vs $7.3M year ago; reaffirms FY guidance","bullets":["Expected Q1 2023 core EPS $0.21-$0.23; catastrophe losses $22-23M pretax (~15pts combined ratio) vs $7.3M (4.8pts) in Q1 2022.","Full-year 2023 core EPS guidance reaffirmed at $2.00-$2.30; company expects 2024 core EPS approaching $4.","23 PCS catastrophe events in Q1 2023 (vs 11 in Q1 2022), including two severe Midwest storms in late March.","Company cites strong claims response and remains confident in growing education market share; targets double-digit ROE in 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-23-012278","json":"https://secwatch.observer/filing/0001628280-23-012278.json","markdown":"https://secwatch.observer/filing/0001628280-23-012278.md","text":"https://secwatch.observer/filing/0001628280-23-012278.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/850141/000162828023012278/0001628280-23-012278-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/850141/000162828023012278/hmn-20230420.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T23:08:30.723244+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":"a2dce6e762955c9c387c287747ccc09362031e41","claim":"HORACE MANN EDUCATORS CORP /DE/ updated its three months ended March 31, 2023 guidance (reaffirmed).","evidence_excerpt":"On April 20, 2023, the Company issued a news release estimating core earnings and the financial impact from severe weather events for the three months ended March 31, 2023, reiterating its full-year guidance.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/850141/000162828023012278/0001628280-23-012278-index.htm","confidence":0.6,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three months ended March 31, 2023"},{"label":"Guidance","value":"reaffirmed"},{"label":"Result","value":"preliminary results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}