Horace Mann Educators vs RLI
HMN and RLI 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 RLI compare
RLI is the larger company, worth 3.0 times as much as Horace Mann Educators ($6.4B against $2.1B).
On earnings, Horace Mann Educators is cheaper: it trades at 12.4× trailing earnings, against 16.2× for RLI.
RLI grew revenue faster over the last twelve months (4.6% versus 4.2% for Horace Mann Educators).
RLI keeps more of each dollar of sales as profit, with a net margin of 20.3% compared with 10.2% at Horace Mann Educators.
Both pay dividends: Horace Mann Educators yields 2.7% and RLI 6.7%.
Horace Mann Educators scores higher on the StockData Score (12 against 10 for RLI), 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 | RLI |
|---|---|---|
| Size and price | ||
| Market cap | $2.1B | $6.4B |
| Share price | $53.01 | $69.65 |
| Change, 1 year | 16.5% | 12.0% |
| Change, 5 years | 38.3% | 25.6% |
| Beta (5Y) | 0.32 | 0.32 |
| Employees | 1,800 | 1,193 |
| StockData Score | ||
| Total score | 12 (better) | 10 |
| Valuation score | 4 (better) | 1 |
| Growth score | 2 (better) | 0 |
| Performance score | 3 | 5 (better) |
| Health score | 0 | 0 |
| Dividend score | 3 | 4 (better) |
| Valuation | ||
| P/E | 12.4× (better) | 16.2× |
| P/S | 1.2× (better) | 3.3× |
| P/B | 1.5× (better) | 3.8× |
| EV/EBITDA | 7.1× | – |
| P/FCF | – | 12.0× |
| PEG | 0.12 | – |
| FCF yield | – | 8.3% |
| Fair value | $53.37 | $58.62 |
| Margin of safety | 0.67% (better) | −18.8% |
| Growth | ||
| Revenue growth (TTM) | 4.2% | 4.6% (better) |
| Revenue growth, 5Y average | 5.4% | 13.9% (better) |
| Net income growth (TTM) | 8.2% | 11.9% (better) |
| EPS growth (TTM) | 8.6% | 12.6% (better) |
| EPS growth, 5Y average | 4.2% | 20.4% (better) |
| Profitability | ||
| Net margin | 10.2% | 20.3% (better) |
| FCF margin | – | 27.4% |
| Return on equity | 12.4% | 22.1% (better) |
| Financial health | ||
| Altman Z-score | 0.36 | 1.53 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 2.7% | 6.7% (better) |
| Payout ratio | 32.6% | 109% |
| Years of dividend growth | 16 (better) | 2 |
| Dividend growth, 5Y average | 3.1% | 22.0% (better) |
| Buyback yield | 1.2% | – |
| Shareholder yield | 3.9% | 6.7% (better) |
| Ownership | ||
| Held by institutions | 105% | 95.6% |
| Held by insiders | 1.6% | 1.6% |
| Insider net buying, 12 months | −$4.1M | $1.5M (better) |
| Superinvestors holding | – | 1 |
| Short interest, % of float | 2.5% | 9.4% |
Go deeper
- HMN stock overview
- HMN income statement
- HMN valuation and score
- RLI stock overview
- RLI income statement
- RLI valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.