Horace Mann Educators Corporation (HMN)vsProgressive Corp (PGR)
HMN
Horace Mann Educators Corporation
$52.78
-1.11%
FINANCIAL SERVICES · Cap: $2.16B
PGR
Progressive Corp
$233.53
+0.84%
FINANCIAL SERVICES · Cap: $134.03B
Smart Verdict
WallStSmart Research — data-driven comparison
Progressive Corp generates 5150% more annual revenue ($91.70B vs $1.75B). PGR leads profitability with a 12.7% profit margin vs 10.2%. HMN appears more attractively valued with a PEG of 1.16. HMN earns a higher WallStSmart Score of 60/100 (C).
HMN
Buy60
out of 100
Grade: C
PGR
Buy53
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
Attractively priced relative to earnings
Every $100 of equity generates 34 in profit
Large-cap with strong market position
Conservative balance sheet, low leverage
Generating 4.4B in free cash flow
Areas to Watch
0.2% revenue growth
0.7% earnings growth
Weak financial health signals
3.0% revenue growth
Expensive relative to growth rate
Earnings declined 2.1%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull 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.
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 Revenue Growth, EPS Growth, Piotroski F-Score.
Bear Case : PGR
The primary concerns for PGR are Revenue Growth, PEG Ratio, EPS Growth.
Key Dynamics to Monitor
PGR carries more volatility with a beta of 0.23 — expect wider price swings.
PGR is growing revenue faster at 3.0% — sustainability is the question.
PGR generates stronger free cash flow (4.4B), providing more financial flexibility.
Monitor INSURANCE - PROPERTY & CASUALTY industry trends, competitive dynamics, and regulatory changes.
Bottom Line
HMN scores higher overall (60/100 vs 53/100). 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 →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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