COMP <GO>
HMN vs UFCS // 10Y YIELD & FRED MACRO BETA
Horace Mann Educators Corporation (NYSE) VS. United Fire Group Inc. (NASDAQ) • 15-METRIC TALLY: HMN 4
— UFCS 3
■ METRIC PARITY
LAST: $46.62 (+1.79%) • MKT CAP: $1.89B
macro-sensitivity
—
LAST: $56.99 (+1.19%) • MKT CAP: $1.46B
macro-sensitivity
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HMN VS. UFCS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | HMN | UFCS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.90% | 12.60% | -1.70 | UFCS | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | 18.41% | — | TIE | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 9.50% | 8.50% | +1.00 | HMN | /net-margins <GO> |
| Revenue Growth (YoY) | 6.70% | 10.60% | -3.90 | UFCS | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.02% | 1.11% | +1.91 | HMN | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 6/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 51.0 | 56.4 | -5.38 | UFCS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 10.8x | 11.5x | -0.70 | HMN | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.89B | $1.46B | $423.2M | HMN | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | HMN REV | UFCS REV | HMN GROSS % | UFCS GROSS % | HMN FCF | UFCS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.70B | $1.39B | — | — | $553.2M | $269.7M |
| FY 2024 | $1.60B | $1.25B | — | — | $452.1M | $340.3M |
| FY 2023 | $1.49B | $1.10B | — | — | $302.1M | $171.7M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
HMN // BETA —
UFCS // BETA —