---
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"
generated_at: "2026-06-16T04:18:06.567634+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Horace Mann Q1 core EPS $0.23 vs $0.77 YoY; FY guidance unchanged at $2.00-$2.30

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-23-014890
- JSON: https://secwatch.observer/filing/0001628280-23-014890.json
- Plain text: https://secwatch.observer/filing/0001628280-23-014890.txt

## Key facts
- Earnings Releases
  HORACE MANN EDUCATORS CORP /DE/ reported financial results for three months ended March 31, 2023.
  - Period: three months ended March 31, 2023
  - Result: reported results
  source text: On May 2, 2023, the Company issued a news release reporting its financial results for the three months ended March 31, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/850141/000162828023014890/0001628280-23-014890-index.htm

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