Horace Mann Educators Corporation (HMN)vsW. R. Berkley Corp (WRB)
HMN
Horace Mann Educators Corporation
$52.78
-1.11%
FINANCIAL SERVICES · Cap: $2.16B
WRB
W. R. Berkley Corp
$77.15
+0.63%
FINANCIAL SERVICES · Cap: $27.14B
Smart Verdict
WallStSmart Research — data-driven comparison
W. R. Berkley Corp generates 751% more annual revenue ($14.87B vs $1.75B). WRB leads profitability with a 12.5% 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
WRB
Buy55
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
Conservative balance sheet, low leverage
Attractively priced relative to earnings
Areas to Watch
0.2% revenue growth
0.7% earnings growth
Weak financial health signals
Expensive relative to growth rate
Revenue declined 0.8%
Earnings declined 10.9%
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 : WRB
The strongest argument for WRB centers on Debt/Equity, P/E Ratio.
Bear Case : HMN
The primary concerns for HMN are Revenue Growth, EPS Growth, Piotroski F-Score.
Bear Case : WRB
The primary concerns for WRB are PEG Ratio, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
HMN profiles as a value stock while WRB is a declining play — different risk/reward profiles.
WRB carries more volatility with a beta of 0.27 — expect wider price swings.
HMN is growing revenue faster at 0.2% — sustainability is the question.
WRB generates stronger free cash flow (721M), providing more financial flexibility.
Bottom Line
HMN scores higher overall (60/100 vs 55/100). 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.
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