HMN PEER ANALYSIS

Horace Mann Educators Corporation — metric-by-metric comparison with peers and the industry median

HMNHorace Mann Educators Corporation

🇺🇸 USA · NYSE · Financial Services · Insurance - Property & Casualty

Value it Duel

Overall Profile & Returns

· Insurance - Property & Casualty

Position Within Industry

0 = weak quartile, 100 = strong quartile

HMNIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	HMN	TURSG	DFY	GJF	SUN	IAG	Ind. Median
P/E	13.51	2.82●	24.19	—	20.19	18.79	12.74
P/B	1.52	1.10●	2.32	6.22	1.98	2.80	2.06
EV/EBITDA	8.69●	—	14.51	—	10.47	11.35	7.43
P/S	—	—	—	—	—	—	—

Financial Health
Metric	HMN	TURSG	DFY	GJF	SUN	IAG	Ind. Median
Current Ratio	0.15	1.36●	1.25	—	—	—	0.89
Debt/Equity	40.4%	0.0%●	43.4%	—	30.6%	49.8%	27.1%
NetDebt/EBITDA	0.36●	—	1.65	—	0.99	1.48	-0.70

Profitability
Metric	HMN	TURSG	DFY	GJF	SUN	IAG	Ind. Median
Net Margin	10.0%●	—	6.9%	—	5.6%	6.9%	10.8%
ROE	11.7%	49.4%●	10.5%	—	8.0%	15.2%	18.0%
ROA	1.1%	14.1%●	3.7%	—	3.1%	4.1%	4.4%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	HMN	TURSG	DFY	GJF	SUN	IAG	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	44.2%	55.4%●	-6.5%	—	—	-14.4%	42.9%
Div. Yield	2.7%	—	1.0%	3.7%	3.0%	3.8%●	1.9%
Payout	34.8%	—	23.9%	—	135.2%	83.6%	33.8%

Valuation
Metric	HMN	STC	HCI	SKWD	KMPR	UFCS	Ind. Median
P/E	13.51	16.16	7.97●	14.18	40.42	10.55	12.74
P/B	1.52	1.28	2.15	2.06	0.64●	1.45	2.06
EV/EBITDA	8.69	9.66	2.93	4.58	21.47	1.00●	7.43
P/S	—	—	—	—	—	—	—

Financial Health
Metric	HMN	STC	HCI	SKWD	KMPR	UFCS	Ind. Median
Current Ratio	0.15	0.94	1.07●	0.84	0.33	0.81	0.89
Debt/Equity	40.4%	47.0%	6.2%●	39.7%	35.6%	15.4%	27.1%
NetDebt/EBITDA	0.36	1.72	-2.13	-5.47	5.23	-6.36●	-0.70

Profitability
Metric	HMN	STC	HCI	SKWD	KMPR	UFCS	Ind. Median
Net Margin	10.0%	4.2%	32.6%●	12.0%	0.9%	9.2%	10.8%
ROE	11.7%	8.5%	37.6%●	17.1%	1.5%	14.8%	18.0%
ROA	1.1%	4.4%	12.3%●	3.4%	0.3%	3.5%	4.4%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	HMN	STC	HCI	SKWD	KMPR	UFCS	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	44.2%	76.7%	129.3%●	43.2%	-87.9%	97.3%	42.9%
Div. Yield	2.7%	3.1%	0.9%	9.2%●	4.5%	1.3%	1.9%
Payout	34.8%	47.0%	0.3%	130.6%	185.4%	13.3%	33.8%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.