secwatch.observer — SEC 8-K summary
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Issuer:     HORACE MANN EDUCATORS CORP /DE/ (HMN)
CIK:        0000850141
Form:       8-K
Filed at:   2024-11-04T23:59:59+00:00
Accession:  0001628280-24-045009
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/850141/000162828024045009/0001628280-24-045009-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/850141/000162828024045009/hmn-20241104.htm
  HTML page:      https://secwatch.observer/filing/0001628280-24-045009

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