Horace Mann Educators (NYSE:HMN) and 1347 Property Insurance (NASDAQ:PIH) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their profitability, institutional ownership, valuation, earnings, dividends, analyst recommendations and risk.

Risk & Volatility

Horace Mann Educators has a beta of 0.5, indicating that its share price is 50% less volatile than the S&P 500. Comparatively, 1347 Property Insurance has a beta of 0.44, indicating that its share price is 56% less volatile than the S&P 500.

Insider & Institutional Ownership

99.0% of Horace Mann Educators shares are held by institutional investors. Comparatively, 29.3% of 1347 Property Insurance shares are held by institutional investors. 2.6% of Horace Mann Educators shares are held by company insiders. Comparatively, 46.7% of 1347 Property Insurance shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Profitability

This table compares Horace Mann Educators and 1347 Property Insurance’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Horace Mann Educators 11.98% 6.45% 0.81%
1347 Property Insurance 1.38% -13.50% -4.76%

Valuation & Earnings

This table compares Horace Mann Educators and 1347 Property Insurance’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Horace Mann Educators $1.43 billion 1.03 $184.44 million $2.20 16.20
1347 Property Insurance $5.60 million 4.90 $310,000.00 N/A N/A

Horace Mann Educators has higher revenue and earnings than 1347 Property Insurance.

Analyst Ratings

This is a summary of current recommendations and price targets for Horace Mann Educators and 1347 Property Insurance, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Horace Mann Educators 0 0 1 0 3.00
1347 Property Insurance 0 0 0 0 N/A

Horace Mann Educators presently has a consensus price target of $45.00, suggesting a potential upside of 26.30%. Given Horace Mann Educators’ higher probable upside, research analysts clearly believe Horace Mann Educators is more favorable than 1347 Property Insurance.

Summary

Horace Mann Educators beats 1347 Property Insurance on 9 of the 11 factors compared between the two stocks.

Horace Mann Educators Company Profile

Horace Mann Educators Corporation, through its subsidiaries, operates as a multiline insurance company in the United States. The Company operates through four segments: Property and Casualty, Retirement, Life, and Corporate and Other. It underwrites and markets personal lines of property and casualty insurance, including personal lines automobile and property insurance products; retirement products, such as tax-qualified fixed and variable annuities; and life insurance products. The company markets its products through its sales force of full-time exclusive distributors and independent agents to K-12 teachers, administrators, and other employees of public schools and their families. Horace Mann Educators Corporation was founded in 1945 and is headquartered in Springfield, Illinois.

1347 Property Insurance Company Profile

1347 Property Insurance Holdings, Inc., an insurance holding company, provides property and casualty insurance products to individuals in Louisiana, Florida, and Texas. The company offers homeowners' insurance, manufactured home insurance, dwelling fire insurance, and wind/hail insurance products, as well as reinsurance products. It offers its insurance policies through a network of independent agents. The company was formerly known as Maison Insurance Holdings, Inc. and changed its name to 1347 Property Insurance Holdings, Inc. in March 2014. 1347 Property Insurance Holdings, Inc. was founded in 2012 and is based in Tampa, Florida.

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