{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-23-014890","form_type":"8-K","ticker":"HMN","cik":"0000850141","company_name":"HORACE MANN EDUCATORS CORP /DE/","filed_at":"2023-05-02T23:59:59+00:00","discovered_at":"2026-05-14T18:03:42.431412+00:00","generated_at":"2026-06-16T04:18:06.567634+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Horace Mann Q1 core EPS $0.23 vs $0.77 YoY; FY guidance unchanged at $2.00-$2.30","bullets":["Net income $6.6M ($0.16 diluted), down 67.5%; core earnings $9.7M ($0.23), down 70.2% from Q1 2022.","Catastrophe losses rose to $22M pretax from $7M in prior-year quarter, impacting P&C segment.","FY 2023 core EPS guidance reaffirmed at $2.00-$2.30; 2024 ROE target 10% with core EPS approaching $4.","P&C segment core earnings guidance cut to breakeven-$5M; S&GB segment guidance raised to $45M-$49M.","Auto rate increases planned cumulative 18%-20% by year-end 2023; property rate increases 12%-15%."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-23-014890","json":"https://secwatch.observer/filing/0001628280-23-014890.json","markdown":"https://secwatch.observer/filing/0001628280-23-014890.md","text":"https://secwatch.observer/filing/0001628280-23-014890.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/850141/000162828023014890/0001628280-23-014890-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/850141/000162828023014890/hmn-20230502.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-16T04:18:06.567634+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":"6ef1152b42bab75d8abc5c31a9ada4c58ebfd2a5","claim":"HORACE MANN EDUCATORS CORP /DE/ reported financial results for three months ended March 31, 2023.","evidence_excerpt":"On May 2, 2023, the Company issued a news release reporting its financial results for the three months ended March 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/850141/000162828023014890/0001628280-23-014890-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three months ended March 31, 2023"},{"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"}