Safety Insurance [SAFT] vs Horace Mann [HMN] Detailed Stock Comparison
Safety Insurance
NASDAQ
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Horace Mann
NYSE
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Safety Insurance wins in 12 metrics, Horace Mann wins in 7 metrics, with 0 ties. Safety Insurance appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Safety Insurance | Horace Mann | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 14.29 | 15.72 | Safety Insurance |
| Price-to-Book Ratio | 1.23 | 1.38 | Safety Insurance |
| Debt-to-Equity Ratio | 5.25 | 40.75 | Safety Insurance |
| PEG Ratio | 11.21 | 11.76 | Safety Insurance |
| EV/EBITDA | 10.02 | 10.35 | Safety Insurance |
| Profit Margin (TTM) | 6.29% | 7.04% | Horace Mann |
| Operating Margin (TTM) | 9.40% | 13.55% | Horace Mann |
| EBITDA Margin (TTM) | 9.40% | 13.55% | Horace Mann |
| Return on Equity | 8.75% | 8.97% | Horace Mann |
| Return on Assets (TTM) | 2.65% | 0.78% | Safety Insurance |
| Free Cash Flow (TTM) | $124.32M | $452.10M | Horace Mann |
| Dividend Yield | 4.63% | 2.45% | Safety Insurance |
| 1-Year Return | -11.78% | 30.71% | Horace Mann |
| Price-to-Sales Ratio (TTM) | 0.90 | 1.09 | Safety Insurance |
| Enterprise Value | $1.02B | $2.12B | Horace Mann |
| EV/Revenue Ratio | 0.89 | 1.30 | Safety Insurance |
| Revenue per Share (TTM) | $78 | $39 | Safety Insurance |
| Earnings per Share (Diluted) | $4.90 | $2.76 | Safety Insurance |
| Beta (Stock Volatility) | 0.24 | 0.29 | Safety Insurance |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
Safety Insurance vs Horace Mann Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Safety Insurance | -0.35% | 2.38% | -5.01% | -9.10% | -8.73% | -14.03% |
| Horace Mann | 1.64% | 6.88% | 6.29% | 5.17% | 5.73% | 14.01% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Safety Insurance | -11.78% | -25.06% | -8.84% | 27.20% | 71.25% | 109.11% |
| Horace Mann | 30.71% | 17.35% | 11.14% | 28.46% | 175.97% | 122.73% |
Performance & Financial Health Analysis: Safety Insurance vs Horace Mann
| Metric | SAFT | HMN |
|---|---|---|
| Market Information | ||
| Market Cap | $1.04B | $1.77B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 71,660 | 279,660 |
| 90 Day Avg. Volume | 91,837 | 274,743 |
| Last Close | $70.95 | $44.11 |
| 52 Week Range | $68.76 - $90.00 | $33.00 - $44.64 |
| % from 52W High | -21.17% | -1.19% |
| All-Time High | $103.96 (Sep 23, 2019) | $48.15 (Sep 09, 2019) |
| % from All-Time High | -31.75% | -8.39% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.12% | 0.08% |
| Quarterly Earnings Growth | 0.09% | 0.44% |
| Financial Health | ||
| Profit Margin (TTM) | 0.06% | 0.07% |
| Operating Margin (TTM) | 0.09% | 0.14% |
| Return on Equity (TTM) | 0.09% | 0.09% |
| Debt to Equity (MRQ) | 5.25 | 40.75 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $57.12 | $31.51 |
| Cash per Share (MRQ) | $4.35 | $3.80 |
| Operating Cash Flow (TTM) | $153.00M | $518.40M |
| Levered Free Cash Flow (TTM) | $197.75M | $178.34M |
| Dividends | ||
| Last 12-Month Dividend Yield | 4.63% | 2.45% |
| Last 12-Month Dividend | $3.60 | $1.03 |
Valuation & Enterprise Metrics Analysis: Safety Insurance vs Horace Mann
| Metric | SAFT | HMN |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 14.29 | 15.72 |
| Forward P/E | 11.21 | 11.76 |
| PEG Ratio | 11.21 | 11.76 |
| Price to Sales (TTM) | 0.90 | 1.09 |
| Price to Book (MRQ) | 1.23 | 1.38 |
| Market Capitalization | ||
| Market Capitalization | $1.04B | $1.77B |
| Enterprise Value | $1.02B | $2.12B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 0.89 | 1.30 |
| Enterprise to EBITDA | 10.02 | 10.35 |
| Risk & Other Metrics | ||
| Beta | 0.24 | 0.29 |
| Book Value per Share (MRQ) | $57.12 | $31.51 |
Financial Statements Comparison: Safety Insurance vs Horace Mann
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | SAFT | HMN |
|---|---|---|
| Revenue/Sales | $299.64M | $391.60M |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $28.23M | $36.50M |
| Income Tax | $6.33M | $7.10M |
| Net Income (Profit) | $21.90M | $29.40M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | SAFT | HMN |
|---|---|---|
| Cash & Equivalents | $64.71M | $29.00M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $14.67M | $547.20M |
| Total Shareholders Equity | $850.67M | $1.34B |
| Retained Earnings | $807.29M | $1.57B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | SAFT | HMN |
|---|---|---|
| Operating Cash Flow | $-5.92M | $95.00M |
| Capital Expenditures | $-332,000 | N/A |
| Free Cash Flow | $2.84M | $140.80M |
| Debt Repayment | $-30.00M | $-287.00M |
| Common Stock Repurchase | N/A | $-200,000 |
Short Interest & Institutional Ownership Analysis
| Metric | SAFT | HMN |
|---|---|---|
| Shares Short | 132,320 | 521,183 |
| Short Ratio | 1.26 | 1.94 |
| Short % of Float | 0.02% | 0.02% |
| Average Daily Volume (10 Day) | 71,660 | 279,660 |
| Average Daily Volume (90 Day) | 91,837 | 274,743 |
| Shares Outstanding | 14.84M | 40.86M |
| Float Shares | 14.54M | 40.56M |
| % Held by Insiders | 0.02% | 0.02% |
| % Held by Institutions | 0.85% | 1.06% |
Dividend Analysis & Yield Comparison: Safety Insurance vs Horace Mann
| Metric | SAFT | HMN |
|---|---|---|
| Last 12-Month Dividend | $3.60 | $1.03 |
| Last 12-Month Dividend Yield | 4.63% | 2.45% |
| 3-Year Avg Annual Dividend | $3.60 | $1.00 |
| 3-Year Avg Dividend Yield | 1.13% | 0.95% |
| 3-Year Total Dividends | $10.80 | $3.01 |
| Ex-Dividend Date | Jun 02, 2025 | Mar 17, 2025 |