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AI brief of an SEC Form 8-K · Horace Mann Educators (HMN)

Horace Mann 2024 net income rises to $103 million; 2025 core EPS guidance $3.60-$3.90

Positive Impact 3 of 5 earnings Written later

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.

Key points

  • 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.

The filing

CompanyHorace Mann Educators (HMN)
Form8-K, current report
Filed with the SECFeb 5, 2025, 4:35 PM ET
Accession number0001628280-25-004071

Items reported: 2.02 Results of Operations5.02 Director / Officer Change

Read the filing on SEC.gov ↗

Written by AI (Anthropic Claude, claude-haiku-5-5) on Nov 8, 2026, 6:56 AM ET, from the text of the filing and its press-release exhibits only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on February 05, 2025.

Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.