{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-24-045009","form_type":"8-K","ticker":"HMN","cik":"0000850141","company_name":"HORACE MANN EDUCATORS CORP /DE/","filed_at":"2024-11-04T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.151571+00:00","generated_at":"2026-05-30T06:39:21.450706+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Horace Mann Q3 net income $34M ($0.83 EPS); core EPS $0.76, revenue up 9%","bullets":["Total revenue $412.1M, up 8.8% YoY; net premiums and contract charges earned up 9%.","Property & Casualty combined ratio 97.9% improved 19 pts YoY, with 18 pts catastrophe losses offset by 7 pts favorable reserve development.","Full-year 2024 core EPS guidance reaffirmed at $2.40-$2.70.","Book value per share $31.60, adjusted book value $36.89, tangible book value $31.62.","Core ROE (LTM) 6.7% vs 1.8% a year ago; double-digit sales growth in Auto, Life, Individual Supplemental lines."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-24-045009","json":"https://secwatch.observer/filing/0001628280-24-045009.json","markdown":"https://secwatch.observer/filing/0001628280-24-045009.md","text":"https://secwatch.observer/filing/0001628280-24-045009.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/850141/000162828024045009/0001628280-24-045009-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/850141/000162828024045009/hmn-20241104.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T06:39:21.450706+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}