COMP <GO>
HMN vs KMPR // OPTIONS IMPLIED MOVE & PUT/CALL SKEW
Horace Mann Educators Corporation (NYSE) VS. Kemper Corporation (NYSE) • 15-METRIC TALLY: HMN 5
— KMPR 3
■ METRIC PARITY
LAST: $46.62 (+1.79%) • MKT CAP: $1.89B
options-implied-move
—
LAST: $32.57 (+10.48%) • MKT CAP: $1.92B
options-implied-move
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HMN VS. KMPR)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | HMN | KMPR | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.90% | 5.30% | +5.60 | HMN | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 9.50% | 3.00% | +6.50 | HMN | /net-margins <GO> |
| Revenue Growth (YoY) | 6.70% | 3.30% | +3.40 | HMN | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.02% | 4.15% | -1.13 | KMPR | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 4/9 | +2.00 | HMN | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew ACTIVE | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 51.0 | 75.2 | -24.18 | KMPR | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 10.8x | 12.5x | -1.70 | HMN | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.89B | $1.92B | -$31.0M | KMPR | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | HMN REV | KMPR REV | HMN GROSS % | KMPR GROSS % | HMN FCF | KMPR FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.70B | $4.79B | — | — | $553.2M | $584.5M |
| FY 2024 | $1.60B | $4.64B | — | — | $452.1M | $382.9M |
| FY 2023 | $1.49B | $4.94B | — | — | $302.1M | -$134.2M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
HMN // BETA —
KMPR // BETA —