HMN
Horace Mann Educators Corporation
Insurance - Property & Casualty
Market Cap$1.82B
5Y Perf.+23.6%
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Stock Comparison
HMN vs MET
Revenue, margins, valuation, and 5-year total return — side by side.
MET
MetLife, Inc.
Insurance - Life
Market Cap$51.39B
5Y Perf.+118.9%
HMN vs MET — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | HMN | MET |
|---|---|---|
| Industry | Insurance - Property & Casualty | Insurance - Life |
| Market Cap | $1.82B | $51.39B |
| Revenue (TTM) | $1.64B | $76.94B |
| Net Income (TTM) | $162M | $3.62B |
| Gross Margin | 51.9% | 28.4% |
| Operating Margin | 29.5% | 6.3% |
| Forward P/E | 10.2x | 8.0x |
| Total Debt | $593M | $20.18B |
| Cash & Equiv. | $26M | $22.03B |
HMN vs MET — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
HMN
MET
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Horace Mann Educato… (HMN) | 100 | 123.6 | +23.6% |
| MetLife, Inc. (MET) | 100 | 218.9 | +118.9% |
Price return only. Dividends and distributions are not included.
Quick Verdict: HMN vs MET
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: HMN leads in 5 of 7 categories, making it the strongest pick for profitability and margin quality and capital preservation and lower volatility. MetLife, Inc. is the stronger pick specifically for growth and revenue expansion and valuation and capital efficiency. As sector peers, any of these can serve as alternatives in the same allocation.
HMN
Horace Mann Educators Corporation
The Insurance Pick
HMN carries the broadest edge in this set and is the clearest fit for 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
MET
MetLife, Inc.
The Insurance Pick
MET is the clearest fit if your priority is long-term compounding.
- 153.9% 10Y total return vs HMN's 74.8%
- 10.2% revenue growth vs HMN's 9.7%
- Lower P/E (8.0x vs 10.2x)
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | MET | 10.2% revenue growth vs HMN's 9.7% |
| Value | MET | Lower P/E (8.0x vs 10.2x) |
| Quality / Margins | HMN | 9.9% margin vs MET's 4.7% |
| Stability / Safety | HMN | Beta 0.26 vs MET's 1.09, lower leverage |
| Dividends | HMN | 3.0% yield, 16-year raise streak, vs MET's 2.9% |
| Momentum (1Y) | HMN | +11.6% vs MET's +4.9% |
| Efficiency (ROA) | HMN | 1.1% ROA vs MET's 0.5%, ROIC 51.1% vs 13.1% |
HMN vs MET — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
HMN vs MET — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLHMNLAGGINGMET
METMetLife, Inc.
1leads
HMNHorace Mann Educators…
3leads
6 Total Categories
CATEGORYLEADERvs METMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
HMN5/6
Valuation MetricsMultiples, price ratios, and targets
Tied
—
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
HMN5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
MET4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
HMN2/2
Income & Cash Flow (Last 12 Months)
HMN leads this category, winning 5 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
MET is the larger business by revenue, generating $76.9B annually — 46.8x HMN's $1.6B. HMN is the more profitable business, keeping 9.9% of every revenue dollar as net income compared to MET's 4.7%. On growth, HMN holds the edge at +10.6% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | HMNHorace Mann Educa… | METMetLife, Inc. |
|---|---|---|
| RevenueTrailing 12 months | $1.6B | $76.9B |
| EBITDAEarnings before interest/tax | $505M | $5.9B |
| Net IncomeAfter-tax profit | $162M | $3.6B |
| Free Cash FlowCash after capex | $553M | $16.5B |
| Gross MarginGross profit ÷ Revenue | +51.9% | +28.4% |
| Operating MarginEBIT ÷ Revenue | +29.5% | +6.3% |
| Net MarginNet income ÷ Revenue | +9.9% | +4.7% |
| FCF MarginFCF ÷ Revenue | +33.7% | +21.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | +10.6% | +4.4% |
| EPS Growth (YoY)Latest quarter vs prior year | -5.4% | +35.9% |
HMN leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
Evenly matched — HMN and MET each lead in 3 of 6 comparable metrics.
Valuation Metrics
At 11.6x trailing earnings, HMN trades at a 29% valuation discount to MET's 16.4x P/E. On an enterprise value basis, HMN's 1.8x EV/EBITDA is more attractive than MET's 8.7x.
| Metric | HMNHorace Mann Educa… | METMetLife, Inc. |
|---|---|---|
| Market CapShares × price | $1.8B | $51.4B |
| Enterprise ValueMkt cap + debt − cash | $2.4B | $49.5B |
| Trailing P/EPrice ÷ TTM EPS | 11.58x | 16.42x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.15x | 8.05x |
| PEG RatioP/E ÷ EPS growth rate | 2.96x | — |
| EV / EBITDAEnterprise value multiple | 1.82x | 8.66x |
| Price / SalesMarket cap ÷ Revenue | 1.07x | 0.67x |
| Price / BookPrice ÷ Book value/share | 1.27x | 1.81x |
| Price / FCFMarket cap ÷ FCF | 18.60x | 2.84x |
Evenly matched — HMN and MET each lead in 3 of 6 comparable metrics.
Profitability & Efficiency
HMN leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
MET delivers a 12.7% return on equity — every $100 of shareholder capital generates $13 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 MET's 0.70x. On the Piotroski fundamental quality scale (0–9), MET scores 8/9 vs HMN's 5/9, reflecting strong financial health.
| Metric | HMNHorace Mann Educa… | METMetLife, Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +11.5% | +12.7% |
| ROA (TTM)Return on assets | +1.1% | +0.5% |
| ROICReturn on invested capital | +51.1% | +13.1% |
| ROCEReturn on capital employed | +8.8% | +1.0% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 8 |
| Debt / EquityFinancial leverage | 0.40x | 0.70x |
| Net DebtTotal debt minus cash | $567M | -$1.8B |
| Cash & Equiv.Liquid assets | $26M | $22.0B |
| Total DebtShort + long-term debt | $593M | $20.2B |
| Interest CoverageEBIT ÷ Interest expense | 5.00x | 5.51x |
HMN leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
MET leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in MET five years ago would be worth $13,291 today (with dividends reinvested), compared to $12,914 for HMN. Over the past 12 months, HMN leads with a +11.6% total return vs MET's +4.9%. The 3-year compound annual growth rate (CAGR) favors MET at 16.7% vs HMN's 14.3% — a key indicator of consistent wealth creation.
| Metric | HMNHorace Mann Educa… | METMetLife, Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +0.7% | -1.2% |
| 1-Year ReturnPast 12 months | +11.6% | +4.9% |
| 3-Year ReturnCumulative with dividends | +49.5% | +58.9% |
| 5-Year ReturnCumulative with dividends | +29.1% | +32.9% |
| 10-Year ReturnCumulative with dividends | +74.8% | +153.9% |
| CAGR (3Y)Annualised 3-year return | +14.3% | +16.7% |
MET leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — HMN and MET 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 MET's 1.09 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | HMNHorace Mann Educa… | METMetLife, Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.26x | 1.09x |
| 52-Week HighHighest price in past year | $48.33 | $83.64 |
| 52-Week LowLowest price in past year | $40.04 | $67.33 |
| % of 52W HighCurrent price vs 52-week peak | +93.4% | +94.2% |
| RSI (14)Momentum oscillator 0–100 | 57.3 | 67.1 |
| Avg Volume (50D)Average daily shares traded | 219K | 3.5M |
Evenly matched — HMN and MET each lead in 1 of 2 comparable metrics.
Analyst Outlook
HMN leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates HMN as "Hold" and MET as "Buy". Consensus price targets imply 22.4% upside for MET (target: $97) vs -7.7% for HMN (target: $42). For income investors, HMN offers the higher dividend yield at 3.04% vs MET's 2.88%.
| Metric | HMNHorace Mann Educa… | METMetLife, Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | $41.67 | $96.50 |
| # AnalystsCovering analysts | 9 | 33 |
| Dividend YieldAnnual dividend ÷ price | +3.0% | +2.9% |
| Dividend StreakConsecutive years of raises | 16 | 13 |
| Dividend / ShareAnnual DPS | $1.37 | $2.27 |
| Buyback YieldShare repurchases ÷ mkt cap | +1.1% | +7.6% |
HMN leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
HMN leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). MET leads in 1 (Total Returns). 2 tied.
Best OverallHorace Mann Educators Corpo… (HMN)Leads 3 of 6 categories
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HMN vs MET: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is HMN or MET a better buy right now?
For growth investors, MetLife, Inc.
(MET) is the stronger pick with 10. 2% revenue growth year-over-year, versus 9. 7% for Horace Mann Educators Corporation (HMN). Horace Mann Educators Corporation (HMN) offers the better valuation at 11. 6x trailing P/E (10. 2x forward), making it the more compelling value choice. Analysts rate MetLife, Inc. (MET) a "Buy" — based on 33 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 MET?
On trailing P/E, Horace Mann Educators Corporation (HMN) is the cheapest at 11.
6x versus MetLife, Inc. at 16. 4x. On forward P/E, MetLife, Inc. is actually cheaper at 8. 0x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — HMN or MET?
Over the past 5 years, MetLife, Inc.
(MET) delivered a total return of +32. 9%, compared to +29. 1% for Horace Mann Educators Corporation (HMN). Over 10 years, the gap is even starker: MET returned +153. 9% versus HMN's +74. 8%. 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 MET?
By beta (market sensitivity over 5 years), Horace Mann Educators Corporation (HMN) is the lower-risk stock at 0.
26β versus MetLife, Inc. 's 1. 09β — meaning MET is approximately 321% 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 70% for MetLife, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — HMN or MET?
By revenue growth (latest reported year), MetLife, Inc.
(MET) is pulling ahead at 10. 2% versus 9. 7% for Horace Mann Educators Corporation (HMN). On earnings-per-share growth, the picture is similar: Horace Mann Educators Corporation grew EPS 57. 3% year-over-year, compared to -19. 2% for MetLife, 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 MET?
Horace Mann Educators Corporation (HMN) is the more profitable company, earning 9.
5% net margin versus 4. 4% for MetLife, Inc. — meaning it keeps 9. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: HMN leads at 77. 1% versus 6. 0% for MET. 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 MET more undervalued right now?
On forward earnings alone, MetLife, Inc.
(MET) trades at 8. 0x forward P/E versus 10. 2x for Horace Mann Educators Corporation — 2. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for MET: 22. 4% to $96. 50.
08Which pays a better dividend — HMN or MET?
All stocks in this comparison pay dividends.
Horace Mann Educators Corporation (HMN) offers the highest yield at 3. 0%, versus 2. 9% for MetLife, Inc. (MET).
09Is HMN or MET 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: +74. 8%, MET: +153. 9%), 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 MET?
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% · MET: 4.4%)Net Margin>
%
(HMN: 9.9% · MET: 4.7%)P/E Ratio<
x
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