The Allstate Corporation (ALL)vsHorace Mann Educators Corporation (HMN)
ALL
The Allstate Corporation
$221.01
+4.82%
FINANCIAL SERVICES · Cap: $57.43B
HMN
Horace Mann Educators Corporation
$46.97
+3.05%
FINANCIAL SERVICES · Cap: $1.97B
Smart Verdict
WallStSmart Research — data-driven comparison
The Allstate Corporation generates 3877% more annual revenue ($68.17B vs $1.71B). ALL leads profitability with a 17.8% profit margin vs 9.6%. HMN appears more attractively valued with a PEG of 1.16. ALL earns a higher WallStSmart Score of 77/100 (B+).
ALL
Strong Buy77
out of 100
Grade: B+
HMN
Buy58
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 38 in profit
Earnings expanding 338.4% YoY
Large-cap with strong market position
Conservative balance sheet, low leverage
Reasonable price relative to book value
Reasonable price relative to book value
Attractively priced relative to earnings
Areas to Watch
3.0% revenue growth
Expensive relative to growth rate
Distress zone — elevated risk
3.1% revenue growth
Smaller company, higher risk/reward
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : ALL
The strongest argument for ALL centers on P/E Ratio, Return on Equity, EPS Growth. Profitability is solid with margins at 17.8% and operating margin at 19.0%.
Bull Case : HMN
The strongest argument for HMN centers on Price/Book, P/E Ratio. PEG of 1.16 suggests the stock is reasonably priced for its growth.
Bear Case : ALL
The primary concerns for ALL are Revenue Growth, PEG Ratio, Altman Z-Score.
Bear Case : HMN
The primary concerns for HMN are Revenue Growth, Market Cap, Piotroski F-Score.
Key Dynamics to Monitor
ALL carries more volatility with a beta of 0.19 — expect wider price swings.
HMN is growing revenue faster at 3.1% — sustainability is the question.
ALL generates stronger free cash flow (3.5B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
ALL scores higher overall (77/100 vs 58/100), backed by strong 17.8% margins. 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.
The Allstate Corporation
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Allstate Corporation is an American insurance company, headquartered in Northfield Township, Illinois.
Visit Website →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.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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