Every material Form 8-K Horace Mann Educators has filed with the SEC since September 23, 2024, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Horace Mann reported third-quarter 2026 net income of $58.5 million, or $1.41 per diluted share, compared with $58.3 million, or $1.40, a year earlier. Core earnings rose to $85.1 million, or $2.06 per share, from $56.6 million, or $1.36, and the company raised its full-year 2026 core EPS guidance to $5.75-$5.95.
Q3 2026 core earnings of $85.1 million ($2.06 per diluted share), up 50.4% from $56.6 million a year earlier
Q3 2026 net income of $58.5 million ($1.41 per diluted share), versus $58.3 million ($1.40) in Q3 2025
Full-year 2026 core EPS guidance raised to $5.75-$5.95
Nine-month 2026 total revenues of $1,312.0 million, up 3.6% from $1,266.6 million
Horace Mann reported second-quarter 2026 net income of $41.6 million, or $1.01 per diluted share, up from $29.4 million a year earlier. The company also raised its full-year 2026 core EPS guidance to $4.60-$4.90, citing first-half results.
Q2 net income $41.6 million, up 41.5% from $29.4 million; core earnings $48.2 million, or $1.17 per diluted share, up from $1.06
Q2 total revenues $443.5 million, up 7.7% from $411.7 million
Property & Casualty segment Q2 combined ratio of 89.6%, improved more than 7 points over prior year
Q2 non-core earnings include an ($8.1) million out-of-period correction to net investment income tied to private debt securities
Horace Mann agreed to acquire Employee Services, LLC (ESI) and Reserve National Insurance Company (RNIC), and to reinsure MedMutual Life Insurance Company's group life and disability business, from Medical Mutual of Ohio. The company says the businesses add nearly $200 million in annual revenue and are expected to be immediately accretive to core earnings per share, but the deal is financed with excess capital and borrowings under its revolving credit facility.
Total net purchase price is approximately $240 million, funded by excess capital and revolving credit facility borrowings.
The businesses add nearly $200 million in annual revenue, more than one million covered lives, about 7,000 employer relationships and over 1,000 agents and brokers.
ESI transaction is expected to close in the fourth quarter of 2026; RNIC and reinsurance transaction expected to close in the first quarter of 2027, subject to regulatory approvals.
Horace Mann will host a conference call on Wednesday, July 22, 2026 at 8:30 a.m. Eastern Time.
Horace Mann Educators agreed to acquire Employee Services, LLC (ESI) and Reserve National Insurance Company (RNIC), and to reinsure MedMutual Life Insurance Company's group life and disability business, all from Medical Mutual of Ohio. The total net purchase price is approximately $240 million, financed with excess capital and borrowings under Horace Mann's existing revolving credit facility. The company expects the transactions to be immediately accretive to core earnings per share and shareholder return on equity.
Total net purchase price of approximately $240 million, funded by excess capital and revolving credit facility borrowings.
Company says the businesses add nearly $200 million in annual revenue, more than one million covered lives, and about 7,000 employer relationships.
ESI transaction expected to close in Q4 2026; RNIC and group life and disability reinsurance expected to close in Q1 2027, with RNIC also subject to regulatory approvals.
Conference call on the transactions scheduled for Wednesday, July 22, 2026, at 8:30 a.m. Eastern Time.
Horace Mann reported first-quarter 2026 net income of $41.2 million, or $1.00 per diluted share, up from $38.2 million, or $0.92, a year earlier. Core earnings, a non-GAAP measure, reached a record first-quarter $52.5 million, or $1.28 per share, and the company maintained its full-year 2026 core EPS guidance of $4.20-$4.50.
Total revenues were $429.3 million, up 3.1% from $416.4 million a year earlier.
Net income was $41.2 million ($1.00 per diluted share) versus $38.2 million ($0.92) in the prior-year quarter.
The company returned $33 million to shareholders in the first quarter, including $18 million of share repurchases.
Property & Casualty combined ratio was 83.3%, improved more than 5 points from the prior year.
Horace Mann Educators said Controller and Chief Accounting Officer Maureen Temchuk will begin a temporary maternity leave on or about March 30, 2026, and that Chief Financial Officer Ryan Greenier will serve as Interim Chief Accounting Officer during that time. The company expects Temchuk to resume her role when the leave ends, so the change is temporary and administrative.
Maureen Temchuk's leave begins on or about March 30, 2026, and is expected to last until about July 6, 2026.
Ryan Greenier, Executive Vice President and CFO since 2024, will serve as Interim Chief Accounting Officer.
Greenier will continue to receive his current compensation arrangements for the interim role.
The company expects Temchuk to resume her role as Chief Accounting Officer after the leave.
Horace Mann reported full-year 2025 net income of $162.1 million, or $3.90 per diluted share, up from $102.8 million a year earlier, and record core earnings of $195.8 million, or $4.71 per share. Fourth-quarter net income fell 5.2% to $36.2 million, and fourth-quarter core earnings per share fell 28.0% to $1.21, so the full-year gains came alongside a weaker final quarter for shareholders.
Full-year 2025 total revenues were $1,701.4 million, up 6.7% from $1,595.2 million in 2024.
Full-year core earnings were $195.8 million, or $4.71 per diluted share, up 38.5% from $3.40 per share in 2024.
Fourth-quarter 2025 net income was $36.2 million, or $0.87 per diluted share, compared with $38.2 million, or $0.92, in the fourth quarter of 2024.
Full-year Property & Casualty combined ratio was 89.7%, an improvement of more than 8 points over the prior year, which the company attributed to lower catastrophe losses.
Horace Mann reported third-quarter 2025 net income of $58.3 million, or $1.40 per diluted share, up from $34.3 million, or $0.83, a year earlier. The company also raised its full-year 2025 core earnings per share guidance to a range of $4.50 to $4.70, which gives shareholders a higher outlook for the year.
Q3 2025 net income was $58.3 million, or $1.40 per diluted share, versus $34.3 million, or $0.83, in Q3 2024
Q3 2025 core earnings were $56.6 million, or $1.36 per diluted share, versus $34.4 million, or $0.83, a year earlier
Total revenues rose 6.4% to $438.5 million for the quarter
Full-year 2025 core EPS guidance increased to $4.50 to $4.70; Property & Casualty combined ratio was 87.8% for the quarter
Horace Mann Educators said Executive Vice President and Chief Operating Officer Stephen J. McAnena stepped down from his officer position effective August 10, 2025. He will stay employed through March 1, 2026 to help transition his duties, at a salary of $575,000 per year.
Stephen J. McAnena stepped down as Executive Vice President and Chief Operating Officer effective August 10, 2025
He remains employed through March 1, 2026 (the Transition Period) at a salary of $575,000 per year
His outstanding equity awards continue to vest under current terms during the Transition Period; unvested awards terminate at its end
Separation is subject to the Horace Mann Service Corporation Executive Severance Plan
Horace Mann reported second-quarter 2025 net income of $29.4 million, or $0.71 per diluted share, up from $3.8 million a year earlier, and core earnings of $44.2 million, or $1.06 per share. The company raised its full-year 2025 core EPS guidance to $4.15 to $4.45, which signals higher expected profit for shareholders, though the filing notes an ($8.1) million out-of-period correction in net investment income.
Q2 2025 net income was $29.4 million ($0.71 per diluted share) versus $3.8 million ($0.09) in Q2 2024
Q2 2025 core earnings were $44.2 million ($1.06 per share) versus $11.3 million ($0.27) a year earlier
Full-year 2025 core EPS guidance raised to $4.15 to $4.45
Q2 total revenues were $411.7 million, up 6.1%; Property & Casualty combined ratio was 97.0%, improved 15 points
Horace Mann Educators entered a Fourth Amendment to its credit agreement with PNC Bank as administrative agent, dated May 19, 2025. The amendment extends the commitment termination date to May 19, 2030 and moves the loan benchmark from Eurodollar rates to Term SOFR, with a 10 basis point adjustment. The company had $0 outstanding and $325 million of available commitments as of May 19, 2025.
Commitment termination date extended to May 19, 2030, from July 12, 2026
Benchmark changed from Eurodollar-based rate to Term SOFR plus a 10 basis point adjustment
Applicable rate for Term SOFR borrowings remains at 115 basis points; unused commitment fee remains at 15 basis points
As of May 19, 2025, outstanding balance was $0 with $325 million of available commitments
Horace Mann reported first-quarter 2025 net income of $38.2 million, or $0.92 per diluted share, up from $26.5 million, or $0.64, a year earlier, on total revenues of $416.4 million, up 7.9%. The company also updated its full-year 2025 core earnings per share guidance to $3.85 to $4.15 to reflect a change in its core earnings definition, and appointed Maureen Temchuk as Controller and Chief Accounting Officer effective May 5, 2025.
Net income was $38.2 million, or $0.92 per diluted share, versus $26.5 million, or $0.64, in the first quarter of 2024.
Total revenues were $416.4 million, up 7.9% from $386.0 million.
Core earnings were $44.7 million, or $1.07 per diluted share, versus $25.8 million, or $0.62, a year earlier (non-GAAP).
Full-year 2025 core EPS guidance is $3.85 to $4.15, updated to reflect a change in the core earnings definition; Maureen Temchuk was appointed Controller and Chief Accounting Officer on May 5, 2025.
Horace Mann reported fourth-quarter and full-year 2024 results, with full-year net income of $103 million ($2.48 per diluted share) versus $45.0 million in 2023, and total revenues of $1,595.2 million, up 6.9%. The company also estimated 2025 core earnings per share at $3.60 to $3.90, and disclosed that Executive Vice President Matthew Sharpe will retire effective March 15, 2025.
Full-year 2024 net income was $103 million, or $2.48 per diluted share, compared with $1.09 per share in 2023; core earnings were $132 million, or $3.18 per share.
Fourth-quarter 2024 net income was $38.2 million, or $0.92 per share, versus $39.5 million, or $0.95 per share, a year earlier; fourth-quarter core earnings per share were $1.62, up from $0.84.
The fourth quarter included a $15.7 million after-tax charge related to non-core legacy commercial exposures.
2025 core EPS is estimated at $3.60 to $3.90, with a double-digit shareholder return on equity.
Horace Mann Educators disclosed that Kimberly Johnson, its Senior Vice President, Controller and Principal Accounting Officer, plans to retire effective January 3, 2025. Chief Financial Officer Ryan Greenier will take on the Principal Accounting Officer role when she retires, so the change is administrative and does not alter the company's financial results.
Kimberly Johnson, SVP, Controller and Principal Accounting Officer, plans to retire effective January 3, 2025
Johnson joined the company in 2002 as Assistant Controller and became Vice President and Controller in April 2017
Ryan Greenier, Executive Vice President and CFO, will become Principal Accounting Officer upon her retirement
Horace Mann Educators reported third-quarter 2024 results, with net income of $34.3 million, or $0.83 per diluted share, up from $11.7 million a year earlier. Total revenues rose 8.8% to $412.1 million, and the company reaffirmed its full-year 2024 core EPS guidance of $2.40 to $2.70.
Q3 2024 core earnings were $31.3 million, or $0.76 per diluted share, versus $18.3 million, or $0.44, in Q3 2023.
Total revenues were $412.1 million, up 8.8% from $378.7 million.
Property & Casualty combined ratio was 97.9%, including 18 points of catastrophe losses and 7 points of favorable prior years' reserve development.
Full-year 2024 core EPS guidance of $2.40 to $2.70 was maintained, and results were released alongside a November 5, 2024 webcast.
Horace Mann Educators named Ryan Greenier, currently Deputy CFO, as Executive Vice President and Chief Financial Officer, effective October 1, 2024, succeeding Bret Conklin, who plans to retire after remaining with the company through 2025. The filing also discloses a letter agreement under which CEO Marita Zuraitis's equity awards will fully vest upon separation or retirement if she stays through December 31, 2027, and bylaw amendments that add a stockholder advance notice requirement first applicable to the 2025 annual meeting.
Ryan Greenier, 42, becomes CFO effective October 1, 2024; his annual salary is $350,000 with an AIP target of 50% of eligible earnings and an LTIP target of $275,000.
Bret Conklin will remain through 2025 and serve as Executive Vice President, Finance Transformation.
CEO Marita Zuraitis's agreement, dated September 17, 2024, provides full vesting of equity awards at separation or retirement; it adds no incremental awards.
Advance notice window for 2025 annual meeting nominations: January 22, 2025 to February 21, 2025.
Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.
Only material 8-Ks get a brief: results, deals, executive changes, restructuring, impairments, delisting notices, restatements, cybersecurity incidents and other disclosed events. Routine filings (vote results, exhibits only) are skipped. Every Horace Mann Educators filing is on SEC EDGAR ↗. 8-K briefs of other companies →