Root [ROOT] vs Horace Mann [HMN] Detailed Stock Comparison

Root Inc.

NASDAQ
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Horace Mann Educators Corp.

NYSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Root Inc. wins in 6 metrics, Horace Mann Educators Corp. wins in 13 metrics, with 0 ties. Horace Mann Educators Corp. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Root Inc. Horace Mann Educators Corp. Better
P/E Ratio (TTM) 23.26 11.62 Horace Mann Educators Corp.
Price-to-Book Ratio 2.99 1.24 Horace Mann Educators Corp.
Debt-to-Equity Ratio 51.63 110.13 Root Inc.
PEG Ratio -0.31 9.01 Horace Mann Educators Corp.
EV/EBITDA 7.84 12.20 Root Inc.
Profit Margin (TTM) 2.53% 9.53% Horace Mann Educators Corp.
Operating Margin (TTM) 2.65% 12.81% Horace Mann Educators Corp.
EBITDA Margin (TTM) 2.65% 12.81% Horace Mann Educators Corp.
Return on Equity 11.32% 11.70% Horace Mann Educators Corp.
Return on Assets (TTM) 2.44% 1.00% Root Inc.
Free Cash Flow (TTM) $192.40M $553.20M Horace Mann Educators Corp.
Dividend Yield N/A 3.32% N/A
1-Year Return -60.26% 5.30% Horace Mann Educators Corp.
Price-to-Sales Ratio (TTM) 0.56 1.08 Root Inc.
Enterprise Value $510.12M $3.23B Horace Mann Educators Corp.
EV/Revenue Ratio 0.34 1.90 Root Inc.
Revenue per Share (TTM) $99 $41 Root Inc.
Earnings per Share (Diluted) $2.36 $3.90 Horace Mann Educators Corp.
Beta (Stock Volatility) 2.90 0.05 Horace Mann Educators Corp.
Short % of Float 16.70% 2.93% Horace Mann Educators Corp.

Root Inc. vs Horace Mann Educators Corp. Stock Performance Analysis

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ROOT
HMN

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Root Inc.-6.01%-3.29%-0.32%9.56%-32.44%-26.14%
Horace Mann Educators Corp.-1.67%-3.14%-0.57%4.31%1.46%0.27%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Root Inc.-60.26%945.38%-69.56%-87.93%-87.93%-87.93%
Horace Mann Educators Corp.5.30%46.57%15.22%35.10%191.27%164.49%

Performance & Financial Health Analysis: Root Inc. vs Horace Mann Educators Corp.

MetricROOTHMN
Market Information
Market Cap i$839.33M$1.87B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i326,024156,434
90 Day Avg. Volume i303,905234,231
Last Close$52.37$45.30
52 Week Range$40.91 - $162.99$40.04 - $48.33
% from 52W High-67.87%-6.27%
All-Time High$530.64 (Oct 26, 2020)$48.33 (Nov 05, 2025)
% from All-Time High-90.13%-6.27%
Growth Metrics
Quarterly Revenue Growth0.22%0.06%
Quarterly Earnings Growth-0.76%-0.05%
Financial Health
Profit Margin (TTM) i0.03%0.10%
Operating Margin (TTM) i0.03%0.13%
Return on Equity (TTM) i0.11%0.12%
Debt to Equity (MRQ) i51.63110.13
Cash & Liquidity
Book Value per Share (MRQ)$18.34$36.47
Cash per Share (MRQ)$43.03$5.85
Operating Cash Flow (TTM) i$206.50M$553.20M
Levered Free Cash Flow (TTM) i$83.06M$197.05M
Dividends
Last 12-Month Dividend Yield iN/A3.32%
Last 12-Month Dividend iN/A$1.41

Valuation & Enterprise Metrics Analysis: Root Inc. vs Horace Mann Educators Corp.

MetricROOT (Apr 24, 2026)HMN (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i23.2611.62
Forward P/E i17.169.01
PEG Ratio i-0.319.01
Price to Sales (TTM) i0.561.08
Price to Book (MRQ) i2.991.24
Market Capitalization
Market Capitalization i$839.33M$1.87B
Enterprise Value i$510.12M$3.23B
Enterprise Value Metrics
Enterprise to Revenue i0.341.90
Enterprise to EBITDA i7.8412.20
Risk & Other Metrics
Beta i2.900.05
Book Value per Share (MRQ) i$18.34$36.47

Financial Statements Comparison: Root Inc. vs Horace Mann Educators Corp.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricROOT (2025)HMN (2025)
Revenue/Sales i1.52B1.62B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i40.80M201.20M
Pre-Tax Income % of Revenue i2.7%12.4%
Income Tax i-500,00039.10M
Income Tax % of Revenue i0.0%2.4%
Net Income (Profit) i41.30M162.10M
Profit Margin i2.7%10.0%

Balance Sheet & Liquidity Metrics

MetricROOT (2025)HMN (2025)
Cash & Equivalents i669.30M26.20M
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i200.30M593.40M
Long-Term Debt % of Revenue i13.2%36.5%
Total Shareholders Equity i284.30M1.48B
Retained Earnings i-1.64B1.65B
Retained Earnings % of Revenue i-108.2%101.6%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricROOT (2025)HMN (2025)
Operating Cash Flow i65.70M390.70M
Operating Cash Flow % of Revenue i4.3%24.0%
Capital Expenditures i0N/A
Free Cash Flow i192.40M553.20M
FCF Margin i12.7%34.0%
Debt Repayment i0-759.50M
Common Stock Repurchase i0-20.80M

Short Interest & Institutional Ownership Analysis

MetricROOTHMN
Shares Short i2.19M857,831
Short Ratio i6.223.01
Short % of Float i16.70%2.93%
Shares Outstanding i15.51M40.66M
Float Shares i12.38M40.21M
% Held by Insiders i7.90%1.61%
% Held by Institutions i69.95%103.41%
% Held by Public i22.15%-5.02%

Dividend Analysis & Yield Comparison: Root Inc. vs Horace Mann Educators Corp.

MetricROOTHMN
Last 12-Month Dividend iN/A$1.41
Last 12-Month Dividend Yield iN/A3.32%
3-Year Avg Annual Dividend iN/A$1.37
3-Year Avg Dividend Yield iN/A0.93%
3-Year Total Dividends iN/A$4.11
Ex-Dividend DateN/AMar 17, 2026