HMN vs SAFT: stock comparison and AI forecast
Horace Mann Educators Corp /De/ (HMN) and Safety Insurance Group Inc (SAFT) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
HMN Horace Mann Educators Corp /De/
- Price
- $53.17 +17.8% · 6M
- Market Cap
- $2.15B
- P/E Ratio
- 12.7x
- Size
- mid-cap
- AI Forecast
SAFT Safety Insurance Group Inc
- Price
- $104.35 +40.4% · 6M
- Market Cap
- $1.53B
- P/E Ratio
- 18.5x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- HMN is 1.4 times larger than SAFT by market capitalization ($2.15B against $1.53B).
- HMN trades at 12.7 times trailing earnings, SAFT at 18.5 times.
- Over the last six months SAFT returned +40.4% and HMN +17.8%.
- HMN turns 10.2% of its revenue into net income, against 5.3% for SAFT.
- HMN carries 9.38 times debt per unit of equity, against 1.86 times for SAFT.
- SAFT yields 3.52% in dividends and HMN 2.67%.
- Both companies share the SEC industry classification Fire, Marine & Casualty Insurance.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | HMN | SAFT |
|---|---|---|
| Market Cap | $2.15B | $1.53B |
| P/E Ratio | 12.66x | 18.54x |
| P/B Ratio | 1.43x | 1.75x |
| Dividend Yield | 2.67% | 3.52% |
| EPS | $4.20 | $5.63 |
| Book Value/Share | $37.11 | $59.72 |
| Revenue/Share | $43.11 | $87.62 |
| FCF/Share | – | $11.97 |
Profitability & Margins
| Metric | HMN | SAFT |
|---|---|---|
| ROE | 11.8% | 7.8% |
| ROA | 1.1% | 2.7% |
| Net Margin | 10.2% | 5.3% |
| EBT Margin | 12.4% | 6.8% |
| Tax Rate | 18.1% | 21.6% |
Financial Health
| Metric | HMN | SAFT |
|---|---|---|
| D/E Ratio | 9.38x | 1.86x |
| Financial Leverage | 10.38x | 2.86x |
Cash Flow
| Metric | HMN | SAFT |
|---|---|---|
| Operating Cash Flow | $566M | $180M |
| Free Cash Flow | – | $176M |
| Capital Spending | – | -$5M |
| OCF Growth YoY | -7.1% | 12.9% |
| FCF Growth YoY | – | 10.8% |
| FCF/Sales | – | 13.7% |
| CapEx/Sales | – | 0.4% |
Operational Efficiency
| Metric | HMN | SAFT |
|---|---|---|
| Asset Turnover | 0.11x | 0.51x |
Income Statement
| Metric | HMN | SAFT |
|---|---|---|
| Total Revenue | $1.75B | $1.29B |
| Net Income | $177M | $69M |
Dividend & Shareholder Information
| Metric | HMN | SAFT |
|---|---|---|
| Dividends Per Share | $1.42 | $3.68 |
| Payout Ratio | 33.8% | 65.4% |
| Shares Outstanding | 40M | 15M |
| Net Income Growth | 26.6% | -19.1% |
| EPS Growth | 35.5% | -1.6% |
HMN vs SAFT: stock comparison and AI forecast
Which is bigger, HMN or SAFT?
HMN is 1.4 times larger than SAFT by market capitalization ($2.15B against $1.53B).
Which is cheaper on earnings, HMN or SAFT?
HMN trades at 12.7 times trailing earnings, SAFT at 18.5 times.
Which stock performed better over the last six months, HMN or SAFT?
Over the last six months SAFT returned +40.4% and HMN +17.8%.
Which one does Intratio's AI model rank higher, HMN or SAFT?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.