Horace Mann Educators Corporation (HMN)vsW. R. Berkley Corp (WRB)
HMN
Horace Mann Educators Corporation
$46.97
+3.05%
FINANCIAL SERVICES · Cap: $1.97B
WRB
W. R. Berkley Corp
$68.57
+3.41%
FINANCIAL SERVICES · Cap: $25.42B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 766% more annual revenue ($14.85B vs $1.71B). WRB leads profitability with a 12.6% profit margin vs 9.6%. HMN appears more attractively valued with a PEG of 1.16. WRB earns a higher WallStSmart Score of 65/100 (C+).
HMN
Buy58
out of 100
Grade: C
WRB
Buy65
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Attractively priced relative to earnings
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Reasonable price relative to book value
Earnings expanding 26.0% YoY
Areas to Watch
3.1% revenue growth
Smaller company, higher risk/reward
Weak financial health signals
4.0% 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 Price/Book, P/E Ratio. 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 Revenue Growth, 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 0.31 — expect wider price swings.
WRB is growing revenue faster at 4.0% — sustainability is the question.
WRB generates stronger free cash flow (640M), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
WRB scores higher overall (65/100 vs 58/100). Both earn "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.
Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
Want to dig deeper into these stocks?