---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-25-004071"
form_type: "8-K"
ticker: "HMN"
cik: "0000850141"
company_name: "HORACE MANN EDUCATORS CORP /DE/"
filed_at: "2025-02-05T23:59:59+00:00"
generated_at: "2026-05-27T03:08:14.117418+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Horace Mann Q4 core EPS $1.62, FY net income $103M; guides FY25 core EPS $3.60-$3.90

## Summary
- Full-year net income $102.8M ($2.48/sh) vs $45M in 2023; core earnings $132.1M ($3.18/sh).
- Q4 2024 core EPS of $1.62, up 93% YoY from $0.84; record quarterly core earnings.
- P&C combined ratio improved 15 pts to 97.9% for full year 2024.
- FY 2025 core EPS guidance $3.60-$3.90; expects double-digit shareholder return on equity.
- EVP Corporate Strategy Matthew Sharpe retiring effective March 15, 2025; duties absorbed internally.

## SEC filing metadata
- accession: 0001628280-25-004071
- form_type: 8-K
- ticker: HMN
- cik: 0000850141
- company_name: HORACE MANN EDUCATORS CORP /DE/
- filed_at: 2025-02-05T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 5.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/850141/000162828025004071/0001628280-25-004071-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/850141/000162828025004071/hmn-20250203.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-004071
- JSON: https://secwatch.observer/filing/0001628280-25-004071.json
- Plain text: https://secwatch.observer/filing/0001628280-25-004071.txt

## Key facts
- Executive change
  Matthew Sharpe retired as Executive Vice President, Corporate Strategy at HORACE MANN EDUCATORS CORP /DE/.
  - Action: retired
  - Role: Executive Vice President, Corporate Strategy
  source text: The Company announces the retirement of Matthew Sharpe, Executive Vice President, Corporate Strategy.
  evidence_url: https://www.sec.gov/Archives/edgar/data/850141/000162828025004071/0001628280-25-004071-index.htm

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