---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-23-036446"
form_type: "8-K"
ticker: "HMN"
cik: "0000850141"
company_name: "HORACE MANN EDUCATORS CORP /DE/"
filed_at: "2023-11-02T23:59:59+00:00"
generated_at: "2026-06-09T01:23:43.673625+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Horace Mann Q3 net income falls 43% to $0.28/share; core EPS $0.44 down 40% YoY

## Summary
- Net income $11.7M ($0.28/diluted) vs $20.4M ($0.49) prior year; core earnings $18.3M ($0.44) vs $30.5M ($0.73).
- Total revenues $378.7M, up 10.5% YoY; net investment income up 22%.
- P&C segment net loss $11.3M (combined ratio 116.6%) vs loss $2.5M (107.5%), with catastrophe losses of $28.7M pretax.
- Life & Retirement net income $21M; Supplemental & Group Benefits earnings positive.
- Full-year 2023 EPS guidance maintained at $1.20-$1.45; 2024 core ROE target near 10%.

## SEC filing metadata
- accession: 0001628280-23-036446
- form_type: 8-K
- ticker: HMN
- cik: 0000850141
- company_name: HORACE MANN EDUCATORS CORP /DE/
- filed_at: 2023-11-02T23:59:59+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/850141/000162828023036446/0001628280-23-036446-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/850141/000162828023036446/hmn-20231102.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-23-036446
- JSON: https://secwatch.observer/filing/0001628280-23-036446.json
- Plain text: https://secwatch.observer/filing/0001628280-23-036446.txt

## Key facts
- Earnings Releases
  HORACE MANN EDUCATORS CORP /DE/ reported financial results for the three and nine months ended September 30, 2023.
  - Period: the three and nine months ended September 30, 2023
  - Result: reported results
  source text: On November 2, 2023, the Company issued a news release reporting its financial results for the three and nine months ended September 30, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/850141/000162828023036446/0001628280-23-036446-index.htm

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