Horace Mann Educators vs Universal Insurance
HMN and UVE 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 UVE compare
Horace Mann Educators is the larger company, worth 1.4 times as much as Universal Insurance ($1.9B against $1.3B).
On earnings, Universal Insurance is cheaper: it trades at 6.1× trailing earnings, against 10.9× for Horace Mann Educators.
Horace Mann Educators grew revenue faster over the last twelve months (5.9% versus 5.5% for Universal Insurance).
Universal Insurance keeps more of each dollar of sales as profit, with a net margin of 13.9% compared with 10.2% at Horace Mann Educators.
Both pay dividends: Horace Mann Educators yields 3.1% and Universal Insurance 1.6%.
Universal Insurance scores higher on the StockData Score (15 against 12 for Horace Mann Educators), 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 | UVE |
|---|---|---|
| Size and price | ||
| Market cap | $1.9B | $1.3B |
| Share price | $46.72 | $48.50 |
| Change, 1 year | 5.4% | 54.3% |
| Change, 5 years | 14.9% | 218% |
| Beta (5Y) | 0.35 | 0.44 |
| Employees | 1,800 | 929 |
| StockData Score | ||
| Total score | 12 | 15 (better) |
| Valuation score | 4 | 4 |
| Growth score | 2 (better) | 1 |
| Performance score | 3 | 6 (better) |
| Health score | 0 | 0 |
| Dividend score | 3 | 4 (better) |
| Valuation | ||
| P/E | 10.9× | 6.1× (better) |
| P/S | 1.1× | 0.8× (better) |
| P/B | 1.3× (better) | 2.1× |
| EV/EBITDA | 6.6× | – |
| P/FCF | – | 3.7× |
| PEG | 0.11 | – |
| FCF yield | – | 26.7% |
| Fair value | $54.46 | $56.78 |
| Margin of safety | 14.2% | 14.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 5.9% (better) | 5.5% |
| Revenue growth, 5Y average | 5.4% | 8.4% (better) |
| Net income growth (TTM) | 26.6% | 90.0% (better) |
| EPS growth (TTM) | 26.6% | 88.7% (better) |
| EPS growth, 5Y average | 4.2% | 60.1% (better) |
| Profitability | ||
| Net margin | 10.2% | 13.9% (better) |
| FCF margin | – | 21.6% |
| Return on equity | 12.4% | 40.8% (better) |
| Financial health | ||
| Altman Z-score | 0.35 | 1.24 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 3.1% (better) | 1.6% |
| Payout ratio | 32.5% | 9.5% |
| Years of dividend growth | 16 (better) | 0 |
| Dividend growth, 5Y average | 3.1% (better) | 0.00% |
| Buyback yield | 1.7% | 1.9% (better) |
| Shareholder yield | 4.7% (better) | 3.5% |
| Ownership | ||
| Held by institutions | 105% | 77.6% |
| Held by insiders | 1.6% | 14.6% |
| Insider net buying, 12 months | −$3.7M (better) | −$9.2M |
| Short interest, % of float | 2.6% | 5.0% |
Go deeper
- HMN stock overview
- HMN income statement
- HMN valuation and score
- UVE stock overview
- UVE income statement
- UVE valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.