---
schema_version: "secwatch.filing_event.v1"
accession: "0001628280-25-038381"
form_type: "8-K"
ticker: "HMN"
cik: "0000850141"
company_name: "HORACE MANN EDUCATORS CORP /DE/"
filed_at: "2025-08-06T23:59:59+00:00"
generated_at: "2026-05-17T20:15:23.826449+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Horace Mann Q2 core EPS $1.06 beats; raises FY2025 guidance to $4.15-$4.45

## Summary
- Q2 net income $29.4M ($0.71/diluted); core earnings $44.2M ($1.06/diluted) – record quarter.
- Total revenue $411.7M (+6% YoY); net premiums and contract charges earned up 8%.
- P&C combined ratio 97.0%, improved 15 pts YoY; catastrophe costs below prior year.
- Adjusted book value $38.46 per share (+5.9% YoY); core ROE LTM 12.6%.
- Full-year 2025 core EPS guidance raised to $4.15-$4.45; on track for double-digit ROE.

## SEC filing metadata
- accession: 0001628280-25-038381
- form_type: 8-K
- ticker: HMN
- cik: 0000850141
- company_name: HORACE MANN EDUCATORS CORP /DE/
- filed_at: 2025-08-06T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/850141/000162828025038381/0001628280-25-038381-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/850141/000162828025038381/hmn-20250806.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001628280-25-038381
- JSON: https://secwatch.observer/filing/0001628280-25-038381.json
- Plain text: https://secwatch.observer/filing/0001628280-25-038381.txt

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