Horace Mann Educators Corporation (HMN)vsW. R. Berkley Corp (WRB)
HMN
Horace Mann Educators Corporation
$45.35
-1.16%
FINANCIAL SERVICES · Cap: $1.91B
WRB
W. R. Berkley Corp
$66.82
-0.70%
FINANCIAL SERVICES · Cap: $25.98B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 753% more annual revenue ($14.90B vs $1.75B). WRB 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-
WRB
Buy63
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
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
1.2% revenue growth
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 : WRB
The strongest argument for WRB centers on Debt/Equity, P/E Ratio, Price/Book.
Bear Case : HMN
The primary concerns for HMN are Market Cap, Piotroski F-Score.
Bear Case : WRB
The primary concerns for WRB are Revenue Growth, PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
WRB carries more volatility with a beta of 0.28 — expect wider price swings.
HMN is growing revenue faster at 7.7% — sustainability is the question.
WRB generates stronger free cash flow (788M), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HMN scores higher overall (68/100 vs 63/100). 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 →W. R. Berkley Corp
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
W. R. Berkley Corporation is a commercial lines property & casualty insurance holding company organized in Delaware and based in Greenwich, Connecticut.
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