Reviewing Horace Mann Educators (HMN) and Its Peers

Horace Mann Educators (NYSE:HMN) is one of 311 public companies in the “Insurance” industry, but how does it contrast to its rivals? We will compare Horace Mann Educators to related businesses based on the strength of its profitability, valuation, institutional ownership, risk, dividends, earnings and analyst recommendations.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for Horace Mann Educators and its rivals, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Horace Mann Educators	0	1	1	1	3.00
Horace Mann Educators Competitors	3346	15712	16557	747	2.40

Horace Mann Educators presently has a consensus target price of $59.00, suggesting a potential upside of 11.91%. As a group, “Insurance” companies have a potential upside of 4.50%. Given Horace Mann Educators’ stronger consensus rating and higher probable upside, equities analysts plainly believe Horace Mann Educators is more favorable than its rivals.

Risk and Volatility

Horace Mann Educators has a beta of 0.09, meaning that its stock price is 91% less volatile than the S&P 500. Comparatively, Horace Mann Educators’ rivals have a beta of -1.59, meaning that their average stock price is 259% less volatile than the S&P 500.

Profitability

This table compares Horace Mann Educators and its rivals’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Horace Mann Educators	10.16%	16.07%	1.54%
Horace Mann Educators Competitors	8.64%	-9.90%	4.10%

Valuation and Earnings

This table compares Horace Mann Educators and its rivals revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Horace Mann Educators	$1.70 billion	$162.10 million	12.29
Horace Mann Educators Competitors	$15.27 billion	$1.70 billion	33.62

Horace Mann Educators’ rivals have higher revenue and earnings than Horace Mann Educators. Horace Mann Educators is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Dividends

Horace Mann Educators pays an annual dividend of $1.44 per share and has a dividend yield of 2.7%. Horace Mann Educators pays out 33.6% of its earnings in the form of a dividend. As a group, “Insurance” companies pay a dividend yield of 2.9% and pay out 31.1% of their earnings in the form of a dividend. Horace Mann Educators has raised its dividend for 17 consecutive years. Horace Mann Educators lags its rivals as a dividend stock, given its lower dividend yield and higher payout ratio.

Institutional & Insider Ownership

99.3% of Horace Mann Educators shares are held by institutional investors. Comparatively, 55.9% of shares of all “Insurance” companies are held by institutional investors. 3.6% of Horace Mann Educators shares are held by insiders. Comparatively, 13.4% of shares of all “Insurance” companies are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

Horace Mann Educators rivals beat Horace Mann Educators on 8 of the 15 factors compared.

About Horace Mann Educators

Horace Mann Educators Corporation is an insurance and financial services company focused on serving educators and other employees of public schools. Founded in 1945 by educators, the company develops products and services with the needs of education professionals in mind. Its offerings include auto, homeowners and life insurance, as well as retirement annuities and other financial products. The company also provides supplemental insurance and services intended to help educators manage student loan debt.