Hartford Financial Services Group (HIG)vsHorace Mann Educators Corporation (HMN)
HIG
Hartford Financial Services Group
$136.90
-0.20%
FINANCIAL SERVICES · Cap: $36.85B
HMN
Horace Mann Educators Corporation
$52.78
-1.11%
FINANCIAL SERVICES · Cap: $2.16B
Smart Verdict
WallStSmart Research — data-driven comparison
Hartford Financial Services Group generates 1594% more annual revenue ($29.59B vs $1.75B). HIG leads profitability with a 15.6% profit margin vs 10.2%. HIG appears more attractively valued with a PEG of 0.12. HIG earns a higher WallStSmart Score of 79/100 (B+).
HIG
Strong Buy79
out of 100
Grade: B+
HMN
Buy60
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Attractively priced relative to earnings
Every $100 of equity generates 24 in profit
Conservative balance sheet, low leverage
Reasonable price relative to book value
Strong operational efficiency at 22.6%
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
3.9% revenue growth
Distress zone — elevated risk
0.2% revenue growth
0.7% earnings growth
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : HIG
The strongest argument for HIG centers on PEG Ratio, P/E Ratio, Return on Equity. Profitability is solid with margins at 15.6% and operating margin at 22.6%. PEG of 0.12 suggests the stock is reasonably priced for its growth.
Bull Case : HMN
The strongest argument for HMN centers on P/E Ratio, Price/Book. PEG of 1.16 suggests the stock is reasonably priced for its growth.
Bear Case : HIG
The primary concerns for HIG are Revenue Growth, Altman Z-Score.
Bear Case : HMN
The primary concerns for HMN are Revenue Growth, EPS Growth, Piotroski F-Score.
Key Dynamics to Monitor
HIG carries more volatility with a beta of 0.47 — expect wider price swings.
HIG is growing revenue faster at 3.9% — sustainability is the question.
HIG generates stronger free cash flow (2.9B), providing more financial flexibility.
Monitor INSURANCE - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HIG scores higher overall (79/100 vs 60/100), backed by strong 15.6% 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.
Hartford Financial Services Group
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
The Hartford Financial Services Group, Inc., usually known as The Hartford, is a United States-based investment and insurance company.
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 - DIVERSIFIED Stocks
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