United Fire [UFCS] vs Horace Mann [HMN] Detailed Stock Comparison

United Fire 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: United Fire Group, Inc. wins in 15 metrics, Horace Mann Educators Corp. wins in 5 metrics, with 0 ties. United Fire Group, Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric United Fire Group, Inc. Horace Mann Educators Corp. Better
P/E Ratio (TTM) 8.92 11.62 United Fire Group, Inc.
Price-to-Book Ratio 1.08 1.24 United Fire Group, Inc.
Debt-to-Equity Ratio 16.93 110.13 United Fire Group, Inc.
PEG Ratio 0.42 9.01 United Fire Group, Inc.
EV/EBITDA 6.02 12.20 United Fire Group, Inc.
Profit Margin (TTM) 8.53% 9.53% Horace Mann Educators Corp.
Operating Margin (TTM) 14.05% 12.81% United Fire Group, Inc.
EBITDA Margin (TTM) 14.05% 12.81% United Fire Group, Inc.
Return on Equity 13.72% 11.70% United Fire Group, Inc.
Return on Assets (TTM) 2.72% 1.00% United Fire Group, Inc.
Free Cash Flow (TTM) $263.30M $553.20M Horace Mann Educators Corp.
Dividend Yield 2.12% 3.32% Horace Mann Educators Corp.
1-Year Return 55.82% 5.30% United Fire Group, Inc.
Price-to-Sales Ratio (TTM) 0.74 1.08 United Fire Group, Inc.
Enterprise Value $1.02B $3.23B Horace Mann Educators Corp.
EV/Revenue Ratio 0.74 1.90 United Fire Group, Inc.
Revenue per Share (TTM) $54 $41 United Fire Group, Inc.
Earnings per Share (Diluted) $4.48 $3.90 United Fire Group, Inc.
Beta (Stock Volatility) 0.41 0.05 Horace Mann Educators Corp.
Short % of Float 1.63% 2.93% United Fire Group, Inc.

United Fire Group, Inc. vs Horace Mann Educators Corp. Stock Performance Analysis

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UFCS
HMN

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
United Fire Group, Inc.-1.19%-4.13%10.07%12.21%19.41%21.36%
Horace Mann Educators Corp.-1.67%-3.14%-0.57%4.31%1.46%0.27%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
United Fire Group, Inc.55.82%99.68%45.30%6.49%144.24%40.51%
Horace Mann Educators Corp.5.30%46.57%15.22%35.10%191.27%164.49%

Performance & Financial Health Analysis: United Fire Group, Inc. vs Horace Mann Educators Corp.

MetricUFCSHMN
Market Information
Market Cap i$1.02B$1.87B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i95,655156,434
90 Day Avg. Volume i103,435234,231
Last Close$43.18$45.30
52 Week Range$25.79 - $49.94$40.04 - $48.33
% from 52W High-13.54%-6.27%
All-Time High$61.56 (Jul 23, 2018)$48.33 (Nov 05, 2025)
% from All-Time High-29.86%-6.27%
Growth Metrics
Quarterly Revenue Growth0.10%0.06%
Quarterly Earnings Growth0.22%-0.05%
Financial Health
Profit Margin (TTM) i0.09%0.10%
Operating Margin (TTM) i0.14%0.13%
Return on Equity (TTM) i0.14%0.12%
Debt to Equity (MRQ) i16.93110.13
Cash & Liquidity
Book Value per Share (MRQ)$36.88$36.47
Cash per Share (MRQ)$6.13$5.85
Operating Cash Flow (TTM) i$269.74M$553.20M
Levered Free Cash Flow (TTM) i$-1,115,687,936$197.05M
Dividends
Last 12-Month Dividend Yield i2.12%3.32%
Last 12-Month Dividend i$0.84$1.41

Valuation & Enterprise Metrics Analysis: United Fire Group, Inc. vs Horace Mann Educators Corp.

MetricUFCS (Apr 24, 2026)HMN (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i8.9211.62
Forward P/E i10.719.01
PEG Ratio i0.429.01
Price to Sales (TTM) i0.741.08
Price to Book (MRQ) i1.081.24
Market Capitalization
Market Capitalization i$1.02B$1.87B
Enterprise Value i$1.02B$3.23B
Enterprise Value Metrics
Enterprise to Revenue i0.741.90
Enterprise to EBITDA i6.0212.20
Risk & Other Metrics
Beta i0.410.05
Book Value per Share (MRQ) i$36.88$36.47

Financial Statements Comparison: United Fire 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

MetricUFCS (2025)HMN (2025)
Revenue/Sales i1.39B1.62B
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 i147.94M201.20M
Pre-Tax Income % of Revenue i10.7%12.4%
Income Tax i29.75M39.10M
Income Tax % of Revenue i2.1%2.4%
Net Income (Profit) i118.19M162.10M
Profit Margin i8.5%10.0%

Balance Sheet & Liquidity Metrics

MetricUFCS (2025)HMN (2025)
Cash & Equivalents i156.33M26.20M
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 i146.20M593.40M
Long-Term Debt % of Revenue i10.5%36.5%
Total Shareholders Equity i941.17M1.48B
Retained Earnings i722.32M1.65B
Retained Earnings % of Revenue i52.0%101.6%
Property, Plant & Equipment iN/AN/A

Cash Flow Statement Comparison

MetricUFCS (2025)HMN (2025)
Operating Cash Flow i89.34M390.70M
Operating Cash Flow % of Revenue i6.4%24.0%
Capital Expenditures i-6.45MN/A
Free Cash Flow i263.30M553.20M
FCF Margin i19.0%34.0%
Debt Repayment iN/A-759.50M
Common Stock Repurchase i-993,000-20.80M

Short Interest & Institutional Ownership Analysis

MetricUFCSHMN
Shares Short i292,428857,831
Short Ratio i2.843.01
Short % of Float i1.63%2.93%
Shares Outstanding i25.52M40.66M
Float Shares i22.08M40.21M
% Held by Insiders i17.43%1.61%
% Held by Institutions i67.88%103.41%
% Held by Public i14.69%-5.02%

Dividend Analysis & Yield Comparison: United Fire Group, Inc. vs Horace Mann Educators Corp.

MetricUFCSHMN
Last 12-Month Dividend i$0.84$1.41
Last 12-Month Dividend Yield i2.12%3.32%
3-Year Avg Annual Dividend i$0.71$1.37
3-Year Avg Dividend Yield i0.63%0.93%
3-Year Total Dividends i$2.12$4.11
Ex-Dividend DateFeb 24, 2026Mar 17, 2026