Tian Ruixiang (NASDAQ:TIRX) vs. Horace Mann Educators (NYSE:HMN) Head-To-Head Survey

Horace Mann Educators (NYSE:HMN) and Tian Ruixiang (NASDAQ:TIRX) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their profitability, dividends, valuation, analyst recommendations, earnings, risk and institutional ownership.

Volatility & Risk

Horace Mann Educators has a beta of 0.06, meaning that its share price is 94% less volatile than the S&P 500. Comparatively, Tian Ruixiang has a beta of 0.26, meaning that its share price is 74% less volatile than the S&P 500.

Earnings & Valuation

This table compares Horace Mann Educators and Tian Ruixiang”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Horace Mann Educators	$1.70 billion	1.01	$162.10 million	$3.90	10.92
Tian Ruixiang	$5.86 million	0.38	-$3.99 million	N/A	N/A

Horace Mann Educators has higher revenue and earnings than Tian Ruixiang.

Profitability

This table compares Horace Mann Educators and Tian Ruixiang’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Horace Mann Educators	9.53%	13.92%	1.31%
Tian Ruixiang	N/A	N/A	N/A

Analyst Recommendations

This is a breakdown of current ratings and target prices for Horace Mann Educators and Tian Ruixiang, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Horace Mann Educators	0	1	2	1	3.00
Tian Ruixiang	1	0	0	0	1.00

Horace Mann Educators presently has a consensus target price of $47.33, suggesting a potential upside of 11.19%. Given Horace Mann Educators’ stronger consensus rating and higher probable upside, equities analysts plainly believe Horace Mann Educators is more favorable than Tian Ruixiang.

Insider and Institutional Ownership

99.3% of Horace Mann Educators shares are held by institutional investors. Comparatively, 10.7% of Tian Ruixiang shares are held by institutional investors. 4.0% of Horace Mann Educators shares are held by insiders. Comparatively, 39.6% of Tian Ruixiang shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Summary

Horace Mann Educators beats Tian Ruixiang on 11 of the 13 factors compared between the two stocks.

About Horace Mann Educators

Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. The company operates through Property & Casualty, Life & Retirement, and Supplemental & Group Benefits segments. Its Property & Casualty segment offers insurance products, including private passenger auto insurance, residential home insurance, and personal umbrella insurance; and provides auto coverages including liability and collision, and property coverage for homeowners and renters. The Life & Retirement segment markets tax-qualified fixed, fixed indexed, and variable annuities; and internal revenue code for educator, which allows public school employees and employees of other tax-exempt organizations, such as not-for-profit private schools, to utilize pretax income to make periodic contributions to a qualified retirement plan. The Supplemental & Group Benefits segment offers employer-sponsored products including accident, critical illness, limited-benefit fixed indemnity insurance, term life, and short-term and long-term disability, as well as worksite direct products, such as supplemental heart, cancer, disability, and accident coverage. The company was founded in 1945 and is headquartered in Springfield, Illinois.

About Tian Ruixiang

Tian Ruixiang Holdings Ltd, together its subsidiaries, operates as an insurance broker in China and the United States. It distributes a range of insurance products, including property and casualty insurance, such as automobile, commercial property, liability, and accidental insurance; and life insurance comprising individual and group life insurances, as well as health and miscellaneous insurance. It serves individual or institutional customers. The company was founded in 2010 and is headquartered in Beijing, China.