American International Group Inc (AIG)vsHorace Mann Educators Corporation (HMN)
AIG
American International Group Inc
$74.17
-0.87%
FINANCIAL SERVICES · Cap: $39.39B
HMN
Horace Mann Educators Corporation
$45.35
-1.16%
FINANCIAL SERVICES · Cap: $1.91B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 1431% more annual revenue ($26.74B vs $1.75B). AIG leads profitability with a 11.1% profit margin vs 10.2%. AIG appears more attractively valued with a PEG of 0.64. HMN earns a higher WallStSmart Score of 68/100 (B-).
AIG
Buy64
out of 100
Grade: C+
HMN
Strong Buy68
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
Generating 1.7B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 42.3% YoY
Areas to Watch
0.5% revenue growth
ROE of 7.3% — below average capital efficiency
Earnings declined 10.1%
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : AIG
The strongest argument for AIG centers on Price/Book, Debt/Equity, PEG Ratio. PEG of 0.64 suggests the stock is reasonably priced for its growth.
Bull Case : HMN
The strongest argument for HMN centers on P/E Ratio, Price/Book, EPS Growth. PEG of 1.16 suggests the stock is reasonably priced for its growth.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : HMN
The primary concerns for HMN are Market Cap, Piotroski F-Score.
Key Dynamics to Monitor
AIG carries more volatility with a beta of 0.51 — expect wider price swings.
HMN is growing revenue faster at 7.7% — sustainability is the question.
AIG generates stronger free cash flow (1.7B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HMN scores higher overall (68/100 vs 64/100). Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
American International Group Inc
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
American International Group, Inc., also known as AIG, is an American multinational finance and insurance corporation with operations in more than 80 countries and jurisdictions. The company operates through three core businesses: General Insurance, Life & Retirement, and a standalone technology-enabled subsidiary.
Horace Mann Educators Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
Horace Mann Educators Corporation, is a multi-line insurance company in the United States. The company is headquartered in Springfield, Illinois.
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