Horace Mann Educators Corporation (HMN)vsProgressive Corp (PGR)
HMN
Horace Mann Educators Corporation
$45.35
-1.16%
FINANCIAL SERVICES · Cap: $1.91B
PGR
Progressive Corp
$205.50
+1.65%
FINANCIAL SERVICES · Cap: $117.34B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 5113% more annual revenue ($91.02B vs $1.75B). PGR leads profitability with a 12.9% profit margin vs 10.2%. HMN appears more attractively valued with a PEG of 1.16. HMN earns a higher WallStSmart Score of 68/100 (B-).
HMN
Strong Buy68
out of 100
Grade: B-
PGR
Buy61
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 42.3% YoY
Attractively priced relative to earnings
Every $100 of equity generates 34 in profit
Large-cap with strong market position
Generating 3.5B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : PGR
The strongest argument for PGR centers on P/E Ratio, Return on Equity, Market Cap.
Bear Case : HMN
The primary concerns for HMN are Market Cap, Piotroski F-Score.
Bear Case : PGR
The primary concerns for PGR are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
PGR carries more volatility with a beta of 0.26 — expect wider price swings.
HMN is growing revenue faster at 7.7% — sustainability is the question.
PGR generates stronger free cash flow (3.5B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HMN scores higher overall (68/100 vs 61/100). 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.
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 →Progressive Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Progressive Corporation is an American insurance company, one of the largest providers of car insurance in the United States. The company insures motorcycles, boats, RVs, and commercial vehicles and provides home insurance through select companies.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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