---
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"
generated_at: "2026-06-16T23:08:30.723244+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Horace Mann expects Q1 core EPS $0.21-$0.23; catastrophe losses $22-23M vs $7.3M year ago; reaffirms FY guidance

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-23-012278
- JSON: https://secwatch.observer/filing/0001628280-23-012278.json
- Plain text: https://secwatch.observer/filing/0001628280-23-012278.txt

## Key facts
- Earnings Releases
  HORACE MANN EDUCATORS CORP /DE/ updated its three months ended March 31, 2023 guidance (reaffirmed).
  - Period: three months ended March 31, 2023
  - Guidance: reaffirmed
  - Result: preliminary results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/850141/000162828023012278/0001628280-23-012278-index.htm

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