Horace Mann Educators Corporation (NYSE: HMN) and HCI Group (NASDAQ:HCII) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their analyst recommendations, earnings, dividends, profitability, institutional ownership, risk and valuation.

Dividends

Horace Mann Educators Corporation pays an annual dividend of $1.10 per share and has a dividend yield of 2.9%. HCI Group does not pay a dividend. Horace Mann Educators Corporation pays out 71.0% of its earnings in the form of a dividend. Horace Mann Educators Corporation has increased its dividend for 8 consecutive years.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for Horace Mann Educators Corporation and HCI Group, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Horace Mann Educators Corporation 0 3 0 0 2.00
HCI Group 0 0 0 0 N/A

Horace Mann Educators Corporation presently has a consensus target price of $37.00, indicating a potential downside of 1.73%. Given Horace Mann Educators Corporation’s higher possible upside, equities research analysts clearly believe Horace Mann Educators Corporation is more favorable than HCI Group.

Valuation and Earnings

This table compares Horace Mann Educators Corporation and HCI Group’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
Horace Mann Educators Corporation $1.15 billion 1.33 $100.59 million $1.55 24.29
HCI Group N/A N/A N/A N/A N/A

Horace Mann Educators Corporation has higher revenue and earnings than HCI Group.

Insider and Institutional Ownership

98.3% of Horace Mann Educators Corporation shares are owned by institutional investors. 2.1% of Horace Mann Educators Corporation shares are owned 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.

Profitability

This table compares Horace Mann Educators Corporation and HCI Group’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Horace Mann Educators Corporation 5.59% 4.56% 0.58%
HCI Group 14.08% 15.29% 4.84%

Summary

Horace Mann Educators Corporation beats HCI Group on 6 of the 10 factors compared between the two stocks.

Horace Mann Educators Corporation Company Profile

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.

HCI Group Company Profile

HCI Group, Inc. (HCI) is an insurance holding company. The Company operates through four operating divisions: property and casualty insurance, reinsurance, investment real estate and information technology. Its operations include Insurance Operations and Other Operations. Its Insurance Operations include property and casualty insurance, and reinsurance. The Company, through its subsidiary, Homeowners Choice Property & Casualty Insurance Company, Inc. (HCPCI), provides property and casualty insurance to homeowners, condominium owners and tenants on properties located in Florida. HCPCI also offers flood-endorsed and wind-only policies to new and pre-existing Florida customers. Its Other Operations include information technology (IT) and real estate. The Company’s real estate operations consist of multiple properties it owns and operates.

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