Safety Insurance [SAFT] vs Horace Mann [HMN] Detailed Stock Comparison

Safety Insurance Group 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: Safety Insurance Group Inc. wins in 11 metrics, Horace Mann Educators Corp. wins in 9 metrics, with 0 ties. Safety Insurance Group Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Safety Insurance Group Inc. Horace Mann Educators Corp. Better
P/E Ratio (TTM) 11.36 11.62 Safety Insurance Group Inc.
Price-to-Book Ratio 1.25 1.24 Horace Mann Educators Corp.
Debt-to-Equity Ratio 6.93 110.13 Safety Insurance Group Inc.
PEG Ratio 0.08 9.01 Safety Insurance Group Inc.
EV/EBITDA 8.16 12.20 Safety Insurance Group Inc.
Profit Margin (TTM) 7.85% 9.53% Horace Mann Educators Corp.
Operating Margin (TTM) 8.13% 12.81% Horace Mann Educators Corp.
EBITDA Margin (TTM) 8.13% 12.81% Horace Mann Educators Corp.
Return on Equity 11.54% 11.70% Horace Mann Educators Corp.
Return on Assets (TTM) 3.38% 1.00% Safety Insurance Group Inc.
Free Cash Flow (TTM) $191.99M $553.20M Horace Mann Educators Corp.
Dividend Yield 5.81% 3.32% Safety Insurance Group Inc.
1-Year Return -8.81% 14.19% Horace Mann Educators Corp.
Price-to-Sales Ratio (TTM) 0.88 1.08 Safety Insurance Group Inc.
Enterprise Value $1.10B $3.23B Horace Mann Educators Corp.
EV/Revenue Ratio 0.87 1.90 Safety Insurance Group Inc.
Revenue per Share (TTM) $86 $41 Safety Insurance Group Inc.
Earnings per Share (Diluted) $6.70 $3.90 Safety Insurance Group Inc.
Beta (Stock Volatility) 0.22 0.05 Horace Mann Educators Corp.
Short % of Float 1.85% 2.93% Safety Insurance Group Inc.

Safety Insurance Group Inc. vs Horace Mann Educators Corp. Stock Performance Analysis

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SAFT
HMN

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Safety Insurance Group Inc.-0.49%2.36%0.61%-2.82%-8.58%-5.61%
Horace Mann Educators Corp.-1.15%3.67%7.36%13.75%4.84%6.91%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Safety Insurance Group Inc.-8.81%-2.07%-8.73%19.25%71.84%57.13%
Horace Mann Educators Corp.14.19%60.46%30.40%51.18%229.91%190.83%

Performance & Financial Health Analysis: Safety Insurance Group Inc. vs Horace Mann Educators Corp.

MetricSAFTHMN
Market Information
Market Cap i$1.12B$1.87B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i83,325156,434
90 Day Avg. Volume i95,402234,231
Last Close$71.46$48.30
52 Week Range$67.04 - $81.49$40.04 - $49.60
% from 52W High-12.31%-2.62%
All-Time High$103.96 (Sep 23, 2019)$49.60 (Jun 12, 2026)
% from All-Time High-31.26%-2.62%
Growth Metrics
Quarterly Revenue Growth0.11%0.06%
Quarterly Earnings Growth1.47%-0.05%
Financial Health
Profit Margin (TTM) i0.08%0.10%
Operating Margin (TTM) i0.08%0.13%
Return on Equity (TTM) i0.12%0.12%
Debt to Equity (MRQ) i6.93110.13
Cash & Liquidity
Book Value per Share (MRQ)$60.99$36.47
Cash per Share (MRQ)$5.05$5.85
Operating Cash Flow (TTM) i$194.50M$553.20M
Levered Free Cash Flow (TTM) i$204.97M$197.05M
Dividends
Last 12-Month Dividend Yield i5.81%3.32%
Last 12-Month Dividend i$4.56$1.41

Valuation & Enterprise Metrics Analysis: Safety Insurance Group Inc. vs Horace Mann Educators Corp.

MetricSAFT (Apr 26, 2026)HMN (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i11.3611.62
Forward P/E i12.189.01
PEG Ratio i0.089.01
Price to Sales (TTM) i0.881.08
Price to Book (MRQ) i1.251.24
Market Capitalization
Market Capitalization i$1.12B$1.87B
Enterprise Value i$1.10B$3.23B
Enterprise Value Metrics
Enterprise to Revenue i0.871.90
Enterprise to EBITDA i8.1612.20
Risk & Other Metrics
Beta i0.220.05
Book Value per Share (MRQ) i$60.99$36.47

Financial Statements Comparison: Safety Insurance Group 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

MetricSAFT (2025)HMN (2025)
Revenue/Sales i1.25B1.62B
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 i126.68M201.20M
Pre-Tax Income % of Revenue i10.1%12.4%
Income Tax i27.43M39.10M
Income Tax % of Revenue i2.2%2.4%
Net Income (Profit) i99.26M162.10M
Profit Margin i7.9%10.0%

Balance Sheet & Liquidity Metrics

MetricSAFT (2025)HMN (2025)
Cash & Equivalents i73.90M26.20M
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 i11.86M593.40M
Long-Term Debt % of Revenue i0.9%36.5%
Total Shareholders Equity i892.31M1.48B
Retained Earnings i844.06M1.65B
Retained Earnings % of Revenue i67.3%101.6%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricSAFT (2025)HMN (2025)
Operating Cash Flow i86.33M390.70M
Operating Cash Flow % of Revenue i6.9%24.0%
Capital Expenditures i-2.51MN/A
Free Cash Flow i191.99M553.20M
FCF Margin i15.3%34.0%
Debt Repayment i-30.00M-759.50M
Common Stock Repurchase i-20.00M-20.80M

Short Interest & Institutional Ownership Analysis

MetricSAFTHMN
Shares Short i161,855857,831
Short Ratio i1.773.01
Short % of Float i1.85%2.93%
Shares Outstanding i14.63M40.66M
Float Shares i14.30M40.21M
% Held by Insiders i2.12%1.61%
% Held by Institutions i86.25%103.41%
% Held by Public i11.63%-5.02%

Dividend Analysis & Yield Comparison: Safety Insurance Group Inc. vs Horace Mann Educators Corp.

MetricSAFTHMN
Last 12-Month Dividend i$4.56$1.41
Last 12-Month Dividend Yield i5.81%3.32%
3-Year Avg Annual Dividend i$3.92$1.37
3-Year Avg Dividend Yield i1.17%0.93%
3-Year Total Dividends i$11.76$4.11
Ex-Dividend DateMar 02, 2026Mar 17, 2026