Horace Mann Educators vs Kemper
HMN and KMPR side by side, both in fire, marine, and casualty insurance. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How HMN and KMPR compare
Horace Mann Educators and Kemper are about the same size, with market caps of $2.1B and $2.0B.
Horace Mann Educators grew revenue faster over the last twelve months (4.2% versus −8.7% for Kemper).
Horace Mann Educators keeps more of each dollar of sales as profit, with a net margin of 10.2% compared with −9.5% at Kemper.
Both pay dividends: Horace Mann Educators yields 2.7% and Kemper 3.7%.
Horace Mann Educators scores higher on the StockData Score (12 against 6 for Kemper), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | HMN | KMPR |
|---|---|---|
| Size and price | ||
| Market cap | $2.1B | $2.0B |
| Share price | $53.01 | $34.15 |
| Change, 1 year | 16.5% | −7.3% |
| Change, 5 years | 38.3% | −41.1% |
| Beta (5Y) | 0.32 | 0.69 |
| Employees | 1,800 | 7,400 |
| StockData Score | ||
| Total score | 12 (better) | 6 |
| Valuation score | 4 (better) | 2 |
| Growth score | 2 (better) | 0 |
| Performance score | 3 (better) | 0 |
| Health score | 0 | 1 (better) |
| Dividend score | 3 | 3 |
| Valuation | ||
| P/E | 12.4× | – |
| P/S | 1.2× | 0.5× (better) |
| P/B | 1.5× | 0.9× (better) |
| EV/EBITDA | 7.1× | – |
| P/FCF | – | 6.3× |
| PEG | 0.12 | – |
| FCF yield | – | 15.8% |
| Fair value | $53.37 | – |
| Margin of safety | 0.67% | – |
| Growth | ||
| Revenue growth (TTM) | 4.2% (better) | −8.7% |
| Revenue growth, 5Y average | 5.4% (better) | −1.7% |
| Net income growth (TTM) | 8.2% (better) | −270% |
| EPS growth (TTM) | 8.6% (better) | −287% |
| EPS growth, 5Y average | 4.2% (better) | −17.9% |
| Profitability | ||
| Net margin | 10.2% (better) | −9.5% |
| FCF margin | – | 7.2% |
| Return on equity | 12.4% (better) | −17.4% |
| Financial health | ||
| Debt / equity | – | 0.44 |
| Altman Z-score | 0.36 | 0.59 (better) |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 2.7% | 3.7% (better) |
| Payout ratio | 32.6% | – |
| Years of dividend growth | 16 (better) | 1 |
| Dividend growth, 5Y average | 3.1% (better) | 1.3% |
| Buyback yield | 1.2% | 2.5% (better) |
| Shareholder yield | 3.9% | 6.3% (better) |
| Ownership | ||
| Held by institutions | 105% | 96.7% |
| Held by insiders | 1.6% | 1.8% |
| Insider net buying, 12 months | −$4.1M | $350K (better) |
| Short interest, % of float | 2.5% | – |
Go deeper
- HMN stock overview
- HMN income statement
- HMN valuation and score
- KMPR stock overview
- KMPR income statement
- KMPR valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.