HMN
Horace Mann Educators Corporation
Insurance - Property & Casualty
Market Cap$1.85B
5Y Perf.+25.2%
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Stock Comparison
HMN vs GL
Revenue, margins, valuation, and 5-year total return — side by side.
GL
Globe Life Inc.
Insurance - Life
Market Cap$12.11B
5Y Perf.+100.5%
HMN vs GL — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | HMN | GL |
|---|---|---|
| Industry | Insurance - Property & Casualty | Insurance - Life |
| Market Cap | $1.85B | $12.11B |
| Revenue (TTM) | $1.64B | $6.00B |
| Net Income (TTM) | $162M | $1.16B |
| Gross Margin | 51.9% | 33.4% |
| Operating Margin | 29.5% | 24.4% |
| Forward P/E | 10.3x | 9.9x |
| Total Debt | $593M | $2.63B |
| Cash & Equiv. | $26M | $145M |
HMN vs GL — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
HMN
GL
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Horace Mann Educato… (HMN) | 100 | 125.2 | +25.2% |
| Globe Life Inc. (GL) | 100 | 200.5 | +100.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: HMN vs GL
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: GL leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Horace Mann Educators Corporation is the stronger pick specifically for growth and revenue expansion and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
HMN
Horace Mann Educators Corporation
The Insurance Pick
HMN is the clearest fit if your priority is income & stability and growth exposure.
- Dividend streak 16 yrs, beta 0.26, yield 3.0%
- Rev growth 9.7%, EPS growth 57.3%, 3Y rev CAGR 8.3%
- Lower volatility, beta 0.26, Low D/E 40.0%
Best for: income & stability and growth exposure
GL
Globe Life Inc.
The Insurance Pick
GL carries the broadest edge in this set and is the clearest fit for long-term compounding and valuation efficiency.
- 179.3% 10Y total return vs HMN's 76.0%
- PEG 0.64 vs HMN's 3.00
- Lower P/E (9.9x vs 10.3x), PEG 0.64 vs 3.00
Best for: long-term compounding and valuation efficiency
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | HMN | 9.7% revenue growth vs GL's 3.8% |
| Value | GL | Lower P/E (9.9x vs 10.3x), PEG 0.64 vs 3.00 |
| Quality / Margins | GL | 19.4% margin vs HMN's 9.9% |
| Stability / Safety | HMN | Beta 0.26 vs GL's 0.48, lower leverage |
| Dividends | HMN | 3.0% yield, 16-year raise streak, vs GL's 0.7% |
| Momentum (1Y) | GL | +29.2% vs HMN's +13.3% |
| Efficiency (ROA) | GL | 3.8% ROA vs HMN's 1.1%, ROIC 13.4% vs 51.1% |
HMN vs GL — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
HMN vs GL — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLHMNLAGGINGGL
GLGlobe Life Inc.
2leads
HMNHorace Mann Educators…
2leads
6 Total Categories
CATEGORYLEADERvs GLMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
HMN4/6
Valuation MetricsMultiples, price ratios, and targets
GL4/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
HMN5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
GL4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
HMN leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
GL is the larger business by revenue, generating $6.0B annually — 3.6x HMN's $1.6B. GL is the more profitable business, keeping 19.4% of every revenue dollar as net income compared to HMN's 9.9%. On growth, HMN holds the edge at +10.6% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | HMNHorace Mann Educa… | GLGlobe Life Inc. |
|---|---|---|
| RevenueTrailing 12 months | $1.6B | $6.0B |
| EBITDAEarnings before interest/tax | $505M | $1.6B |
| Net IncomeAfter-tax profit | $162M | $1.2B |
| Free Cash FlowCash after capex | $553M | $1.3B |
| Gross MarginGross profit ÷ Revenue | +51.9% | +33.4% |
| Operating MarginEBIT ÷ Revenue | +29.5% | +24.4% |
| Net MarginNet income ÷ Revenue | +9.9% | +19.4% |
| FCF MarginFCF ÷ Revenue | +33.7% | +20.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | +10.6% | +3.9% |
| EPS Growth (YoY)Latest quarter vs prior year | -5.4% | +9.3% |
HMN leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
GL leads this category, winning 4 of 7 comparable metrics.
Valuation Metrics
At 11.0x trailing earnings, GL trades at a 6% valuation discount to HMN's 11.7x P/E. Adjusting for growth (PEG ratio), GL offers better value at 0.71x vs HMN's 3.00x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | HMNHorace Mann Educa… | GLGlobe Life Inc. |
|---|---|---|
| Market CapShares × price | $1.8B | $12.1B |
| Enterprise ValueMkt cap + debt − cash | $2.4B | $14.6B |
| Trailing P/EPrice ÷ TTM EPS | 11.72x | 10.98x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.28x | 9.93x |
| PEG RatioP/E ÷ EPS growth rate | 3.00x | 0.71x |
| EV / EBITDAEnterprise value multiple | 1.84x | 9.17x |
| Price / SalesMarket cap ÷ Revenue | 1.09x | 2.02x |
| Price / BookPrice ÷ Book value/share | 1.28x | 2.09x |
| Price / FCFMarket cap ÷ FCF | 18.84x | 9.66x |
GL leads this category, winning 4 of 7 comparable metrics.
Profitability & Efficiency
HMN leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
GL delivers a 20.6% return on equity — every $100 of shareholder capital generates $21 in annual profit, vs $12 for HMN. HMN carries lower financial leverage with a 0.40x debt-to-equity ratio, signaling a more conservative balance sheet compared to GL's 0.44x. On the Piotroski fundamental quality scale (0–9), GL scores 8/9 vs HMN's 5/9, reflecting strong financial health.
| Metric | HMNHorace Mann Educa… | GLGlobe Life Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +11.5% | +20.6% |
| ROA (TTM)Return on assets | +1.1% | +3.8% |
| ROICReturn on invested capital | +51.1% | +13.4% |
| ROCEReturn on capital employed | +8.8% | +5.2% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 8 |
| Debt / EquityFinancial leverage | 0.40x | 0.44x |
| Net DebtTotal debt minus cash | $567M | $2.5B |
| Cash & Equiv.Liquid assets | $26M | $145M |
| Total DebtShort + long-term debt | $593M | $2.6B |
| Interest CoverageEBIT ÷ Interest expense | 5.00x | 11.27x |
HMN leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
GL leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in GL five years ago would be worth $14,968 today (with dividends reinvested), compared to $12,979 for HMN. Over the past 12 months, GL leads with a +29.2% total return vs HMN's +13.3%. The 3-year compound annual growth rate (CAGR) favors HMN at 14.8% vs GL's 13.3% — a key indicator of consistent wealth creation.
| Metric | HMNHorace Mann Educa… | GLGlobe Life Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +2.0% | +12.0% |
| 1-Year ReturnPast 12 months | +13.3% | +29.2% |
| 3-Year ReturnCumulative with dividends | +51.2% | +45.4% |
| 5-Year ReturnCumulative with dividends | +29.8% | +49.7% |
| 10-Year ReturnCumulative with dividends | +76.0% | +179.3% |
| CAGR (3Y)Annualised 3-year return | +14.8% | +13.3% |
GL leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — HMN and GL each lead in 1 of 2 comparable metrics.
Risk & Volatility
HMN is the less volatile stock with a 0.26 beta — it tends to amplify market swings less than GL's 0.48 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. GL currently trades 98.5% from its 52-week high vs HMN's 94.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | HMNHorace Mann Educa… | GLGlobe Life Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.26x | 0.48x |
| 52-Week HighHighest price in past year | $48.33 | $156.69 |
| 52-Week LowLowest price in past year | $40.04 | $116.73 |
| % of 52W HighCurrent price vs 52-week peak | +94.6% | +98.5% |
| RSI (14)Momentum oscillator 0–100 | 60.0 | 66.6 |
| Avg Volume (50D)Average daily shares traded | 218K | 452K |
Evenly matched — HMN and GL each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — HMN and GL each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates HMN as "Hold" and GL as "Hold". Consensus price targets imply 10.9% upside for GL (target: $171) vs -8.9% for HMN (target: $42). For income investors, HMN offers the higher dividend yield at 3.00% vs GL's 0.69%.
| Metric | HMNHorace Mann Educa… | GLGlobe Life Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $41.67 | $171.25 |
| # AnalystsCovering analysts | 9 | 28 |
| Dividend YieldAnnual dividend ÷ price | +3.0% | +0.7% |
| Dividend StreakConsecutive years of raises | 16 | 23 |
| Dividend / ShareAnnual DPS | $1.37 | $1.06 |
| Buyback YieldShare repurchases ÷ mkt cap | +1.1% | +7.3% |
Evenly matched — HMN and GL each lead in 1 of 2 comparable metrics.
Key Takeaway
HMN leads in 2 of 6 categories (Income & Cash Flow, Profitability & Efficiency). GL leads in 2 (Valuation Metrics, Total Returns). 2 tied.
Best OverallHorace Mann Educators Corpo… (HMN)Leads 2 of 6 categories
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HMN vs GL: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is HMN or GL a better buy right now?
For growth investors, Horace Mann Educators Corporation (HMN) is the stronger pick with 9.
7% revenue growth year-over-year, versus 3. 8% for Globe Life Inc. (GL). Globe Life Inc. (GL) offers the better valuation at 11. 0x trailing P/E (9. 9x forward), making it the more compelling value choice. Analysts rate Horace Mann Educators Corporation (HMN) a "Hold" — based on 9 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — HMN or GL?
On trailing P/E, Globe Life Inc.
(GL) is the cheapest at 11. 0x versus Horace Mann Educators Corporation at 11. 7x. On forward P/E, Globe Life Inc. is actually cheaper at 9. 9x.
03Which is the better long-term investment — HMN or GL?
Over the past 5 years, Globe Life Inc.
(GL) delivered a total return of +49. 7%, compared to +29. 8% for Horace Mann Educators Corporation (HMN). Over 10 years, the gap is even starker: GL returned +179. 3% versus HMN's +76. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — HMN or GL?
By beta (market sensitivity over 5 years), Horace Mann Educators Corporation (HMN) is the lower-risk stock at 0.
26β versus Globe Life Inc. 's 0. 48β — meaning GL is approximately 86% more volatile than HMN relative to the S&P 500. On balance sheet safety, Horace Mann Educators Corporation (HMN) carries a lower debt/equity ratio of 40% versus 44% for Globe Life Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — HMN or GL?
By revenue growth (latest reported year), Horace Mann Educators Corporation (HMN) is pulling ahead at 9.
7% versus 3. 8% for Globe Life Inc. (GL). On earnings-per-share growth, the picture is similar: Horace Mann Educators Corporation grew EPS 57. 3% year-over-year, compared to 17. 8% for Globe Life Inc.. Over a 3-year CAGR, HMN leads at 8. 3% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — HMN or GL?
Globe Life Inc.
(GL) is the more profitable company, earning 19. 4% net margin versus 9. 5% for Horace Mann Educators Corporation — meaning it keeps 19. 4% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: HMN leads at 77. 1% versus 24. 4% for GL. At the gross margin level — before operating expenses — HMN leads at 100. 0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is HMN or GL more undervalued right now?
On forward earnings alone, Globe Life Inc.
(GL) trades at 9. 9x forward P/E versus 10. 3x for Horace Mann Educators Corporation — 0. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for GL: 10. 9% to $171. 25.
08Which pays a better dividend — HMN or GL?
All stocks in this comparison pay dividends.
Horace Mann Educators Corporation (HMN) offers the highest yield at 3. 0%, versus 0. 7% for Globe Life Inc. (GL).
09Is HMN or GL better for a retirement portfolio?
For long-horizon retirement investors, Horace Mann Educators Corporation (HMN) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
26), 3. 0% yield). Both have compounded well over 10 years (HMN: +76. 0%, GL: +179. 3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between HMN and GL?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(HMN: 10.6% · GL: 3.9%)Net Margin>
%
(HMN: 9.9% · GL: 19.4%)P/E Ratio<
x
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