Horace Mann Educators Corporation (HMN) versus Its Rivals Critical Contrast

Horace Mann Educators Corporation (NYSE: HMN) is one of 92 public companies in the “Property & Casualty Insurance” industry, but how does it weigh in compared to its peers? We will compare Horace Mann Educators Corporation to related businesses based on the strength of its profitability, valuation, institutional ownership, earnings, dividends, risk and analyst recommendations.

Analyst Recommendations

This is a summary of current recommendations and price targets for Horace Mann Educators Corporation and its peers, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Horace Mann Educators Corporation 0 1 0 0 2.00
Horace Mann Educators Corporation Competitors 629 2321 2197 45 2.32

Horace Mann Educators Corporation presently has a consensus price target of $37.00, indicating a potential downside of 18.59%. As a group, “Property & Casualty Insurance” companies have a potential upside of 5.95%. Given Horace Mann Educators Corporation’s peers stronger consensus rating and higher possible upside, analysts plainly believe Horace Mann Educators Corporation has less favorable growth aspects than its peers.

Earnings and Valuation

This table compares Horace Mann Educators Corporation and its peers top-line revenue, earnings per share and valuation.

Gross Revenue NetIncome Price/Earnings Ratio
Horace Mann Educators Corporation $1.13 billion $83.76 million 29.51
Horace Mann Educators Corporation Competitors $11.51 billion $1.16 billion 130.93

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

Profitability

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

Net Margins Return on Equity Return on Assets
Horace Mann Educators Corporation 5.56% 4.94% 0.61%
Horace Mann Educators Corporation Competitors 9.30% 3.85% 2.31%

Insider and Institutional Ownership

98.3% of Horace Mann Educators Corporation shares are owned by institutional investors. Comparatively, 59.7% of shares of all “Property & Casualty Insurance” companies are owned by institutional investors. 2.4% of Horace Mann Educators Corporation shares are owned by insiders. Comparatively, 15.6% of shares of all “Property & Casualty Insurance” companies are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Dividends

Horace Mann Educators Corporation pays an annual dividend of $1.10 per share and has a dividend yield of 2.4%. Horace Mann Educators Corporation pays out 71.4% of its earnings in the form of a dividend. As a group, “Property & Casualty Insurance” companies pay a dividend yield of 1.3% and pay out 13.3% of their earnings in the form of a dividend. Horace Mann Educators Corporation has increased its dividend for 8 consecutive years.

Risk and Volatility

Horace Mann Educators Corporation has a beta of 1.16, indicating that its stock price is 16% more volatile than the S&P 500. Comparatively, Horace Mann Educators Corporation’s peers have a beta of 0.92, indicating that their average stock price is 8% less volatile than the S&P 500.

Summary

Horace Mann Educators Corporation peers beat Horace Mann Educators Corporation on 11 of the 15 factors compared.

About Horace Mann Educators Corporation

Horace Mann Educators Corporation (HMEC) is an insurance holding company. Through its subsidiaries, HMEC markets and underwrites personal lines of property and casualty (primarily personal lines automobile and homeowners) insurance, retirement annuities (primarily tax-qualified products) and life insurance in the United States. The Company’s operating segments include Property and Casualty segment, comprising primarily personal lines automobile and homeowners products; Retirement segment, comprising primarily tax-qualified fixed and variable annuities; Life segment life insurance, and Corporate and Other. It markets and services its products through a sales force of full-time agents supported by its Customer Contact Center. These agents sell HMEC’s products and limited additional third-party vendor products. As of December 31, 2016, its property and casualty subsidiaries and its life insurance subsidiary were licensed to write business in over 48 states and the District of Columbia.

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