Horace Mann Educators Corporation (NYSE: HMN) is one of 91 public companies in the “Property & Casualty Insurance” industry, but how does it compare to its rivals? We will compare Horace Mann Educators Corporation to similar companies based on the strength of its institutional ownership, dividends, risk, profitability, analyst recommendations, earnings and valuation.

Analyst Ratings

This is a breakdown of current ratings for Horace Mann Educators Corporation and its rivals, 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 624 2294 2170 44 2.32

Horace Mann Educators Corporation presently has a consensus target price of $37.00, suggesting a potential downside of 18.50%. As a group, “Property & Casualty Insurance” companies have a potential upside of 3.52%. Given Horace Mann Educators Corporation’s rivals stronger consensus rating and higher probable upside, analysts clearly believe Horace Mann Educators Corporation has less favorable growth aspects than its rivals.

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 33.1% of their earnings in the form of a dividend. Horace Mann Educators Corporation has increased its dividend for 8 consecutive years.

Insider & Institutional Ownership

99.6% of Horace Mann Educators Corporation shares are held by institutional investors. Comparatively, 59.7% of shares of all “Property & Casualty Insurance” companies are held by institutional investors. 2.1% of Horace Mann Educators Corporation shares are held by insiders. Comparatively, 15.6% of shares of all “Property & Casualty Insurance” companies are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Profitability

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

Net Margins Return on Equity Return on Assets
Horace Mann Educators Corporation 5.56% 5.00% 0.62%
Horace Mann Educators Corporation Competitors 8.92% 4.29% 2.46%

Valuation and Earnings

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

Gross Revenue NetIncome Price/Earnings Ratio
Horace Mann Educators Corporation $1.13 billion $83.76 million 29.48
Horace Mann Educators Corporation Competitors $11.51 billion $1.16 billion 163.17

Horace Mann Educators Corporation’s rivals 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 rivals, indicating that it is currently more affordable than other companies in its industry.

Risk and Volatility

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

Summary

Horace Mann Educators Corporation rivals 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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