secwatch.observer — SEC 8-K summary
======================================

Issuer:     HORACE MANN EDUCATORS CORP /DE/ (HMN)
CIK:        0000850141
Form:       8-K
Filed at:   2023-11-02T23:59:59+00:00
Accession:  0001628280-23-036446
Event type: earnings
Sentiment:  negative
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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%.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/850141/000162828023036446/0001628280-23-036446-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/850141/000162828023036446/hmn-20231102.htm
  HTML page:      https://secwatch.observer/filing/0001628280-23-036446

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer