Financial Review: Horace Mann Educators Corporation (HMN) and Meadowbrook Insurance Group (MIG)
Horace Mann Educators Corporation (NYSE: HMN) and Meadowbrook Insurance Group (NYSE:MIG) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, analyst recommendations, profitability, institutional ownership, valuation, risk and dividends.
Insider and Institutional Ownership
98.4% of Horace Mann Educators Corporation shares are held by institutional investors. 2.4% of Horace Mann Educators Corporation shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
This is a breakdown of recent recommendations and price targets for Horace Mann Educators Corporation and Meadowbrook Insurance Group, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Horace Mann Educators Corporation||1||2||0||0||1.67|
|Meadowbrook Insurance Group||0||0||0||0||N/A|
Horace Mann Educators Corporation currently has a consensus price target of $37.00, suggesting a potential downside of 1.33%. Given Horace Mann Educators Corporation’s higher probable upside, research analysts plainly believe Horace Mann Educators Corporation is more favorable than Meadowbrook Insurance Group.
Horace Mann Educators Corporation pays an annual dividend of $1.10 per share and has a dividend yield of 2.9%. Meadowbrook Insurance Group does not pay a dividend. Horace Mann Educators Corporation pays out 71.0% of its earnings in the form of a dividend. Meadowbrook Insurance Group has increased its dividend for 8 consecutive years.
Valuation and Earnings
This table compares Horace Mann Educators Corporation and Meadowbrook Insurance Group’s top-line revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||EBITDA||Earnings Per Share||Price/Earnings Ratio|
|Horace Mann Educators Corporation||$1.15 billion||1.33||$100.59 million||$1.55||24.19|
|Meadowbrook Insurance Group||N/A||N/A||N/A||N/A||N/A|
Horace Mann Educators Corporation has higher revenue and earnings than Meadowbrook Insurance Group.
This table compares Horace Mann Educators Corporation and Meadowbrook Insurance Group’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Horace Mann Educators Corporation||5.59%||4.56%||0.58%|
|Meadowbrook Insurance Group||4.54%||7.19%||1.16%|
Horace Mann Educators Corporation beats Meadowbrook Insurance Group on 6 of the 10 factors compared between the two stocks.
Horace Mann Educators Corporation Company Profile
Horace Mann Educators Corporation (HMEC) is an insurance holding company. Through its subsidiaries, HMEC markets and underwrites personal lines of property and casualty (primarily personal lines automobile and homeowners) insurance, retirement annuities (primarily tax-qualified products) and life insurance in the United States. The Company’s operating segments include Property and Casualty segment, comprising primarily personal lines automobile and homeowners products; Retirement segment, comprising primarily tax-qualified fixed and variable annuities; Life segment life insurance, and Corporate and Other. It markets and services its products through a sales force of full-time agents supported by its Customer Contact Center. These agents sell HMEC’s products and limited additional third-party vendor products. As of December 31, 2016, its property and casualty subsidiaries and its life insurance subsidiary were licensed to write business in over 48 states and the District of Columbia.
Meadowbrook Insurance Group Company Profile
Meadowbrook Insurance Group, Inc. (Meadowbrook) is a holding company. The Company is a commercial insurance underwriter and insurance administration services company. The Company markets and underwrites specialty property and casualty insurance programs and products through a network of independent retail agents, wholesalers, program administrators and general agents. The Company’s products include Admitted Programs and Standard Market Products, Main Street Excess and Surplus Lines, Non-Admitted Programs, and Specialty Market Products. The Company is also involved in a range of activities, including program and product design, underwriting risk selection and policy issuance, claims administration and handling, loss prevention and control and reinsurance. The Company also provides the following services to its fee-for-service and agency clients: administration of risk-bearing entities and agency services.
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