---
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"
generated_at: "2026-05-30T06:39:21.450706+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Horace Mann Q3 net income $34M ($0.83 EPS); core EPS $0.76, revenue up 9%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- 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/850141/000162828024045009/0001628280-24-045009-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/850141/000162828024045009/hmn-20241104.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-24-045009
- JSON: https://secwatch.observer/filing/0001628280-24-045009.json
- Plain text: https://secwatch.observer/filing/0001628280-24-045009.txt

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