Horace Mann Educators Corporation (HMN)vsThe Travelers Companies Inc (TRV)
HMN
Horace Mann Educators Corporation
$52.78
-1.11%
FINANCIAL SERVICES · Cap: $2.16B
TRV
The Travelers Companies Inc
$403.18
+0.93%
FINANCIAL SERVICES · Cap: $81.19B
Smart Verdict
WallStSmart Research — data-driven comparison
The Travelers Companies Inc generates 2701% more annual revenue ($48.92B vs $1.75B). TRV leads profitability with a 17.0% profit margin vs 10.2%. HMN appears more attractively valued with a PEG of 1.16. TRV earns a higher WallStSmart Score of 66/100 (B-).
HMN
Buy60
out of 100
Grade: C
TRV
Strong Buy66
out of 100
Grade: B-
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
Large-cap with strong market position
Every $100 of equity generates 29 in profit
Reasonable price relative to book value
Strong operational efficiency at 20.0%
Generating 3.9B in free cash flow
Areas to Watch
0.2% revenue growth
0.7% earnings growth
Weak financial health signals
Expensive relative to growth rate
Revenue declined 0.5%
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 : TRV
The strongest argument for TRV centers on P/E Ratio, Market Cap, Return on Equity. Profitability is solid with margins at 17.0% and operating margin at 20.0%.
Bear Case : HMN
The primary concerns for HMN are Revenue Growth, EPS Growth, Piotroski F-Score.
Bear Case : TRV
The primary concerns for TRV are PEG Ratio, Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
HMN profiles as a value stock while TRV is a declining play — different risk/reward profiles.
TRV carries more volatility with a beta of 0.44 — expect wider price swings.
HMN is growing revenue faster at 0.2% — sustainability is the question.
TRV generates stronger free cash flow (3.9B), providing more financial flexibility.
Bottom Line
TRV scores higher overall (66/100 vs 60/100), backed by strong 17.0% 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.
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 →The Travelers Companies Inc
FINANCIAL SERVICES · INSURANCE - PROPERTY & CASUALTY · USA
The Travelers Companies, Inc., commonly known as Travelers, is an American insurance company.
Visit Website →Compare with Other INSURANCE - PROPERTY & CASUALTY Stocks
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