Contrasting Horace Mann Educators (NYSE:HMN) and Tian Ruixiang (NASDAQ:TIRX)

Horace Mann Educators (NYSE:HMN) and Tian Ruixiang (NASDAQ:TIRX) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their risk, valuation, profitability, analyst recommendations, earnings, institutional ownership and dividends.

Volatility and Risk

Horace Mann Educators has a beta of 0.07, indicating that its stock price is 93% less volatile than the S&P 500. Comparatively, Tian Ruixiang has a beta of 0.26, indicating that its stock price is 74% less volatile than the S&P 500.

Profitability

This table compares Horace Mann Educators and Tian Ruixiang’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Horace Mann Educators	9.53%	13.92%	1.31%
Tian Ruixiang	N/A	N/A	N/A

Earnings & Valuation

This table compares Horace Mann Educators and Tian Ruixiang”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Horace Mann Educators	$1.70 billion	1.00	$162.10 million	$3.90	10.81
Tian Ruixiang	$5.86 million	0.38	-$3.99 million	N/A	N/A

Horace Mann Educators has higher revenue and earnings than Tian Ruixiang.

Analyst Ratings

This is a summary of recent ratings and recommmendations for Horace Mann Educators and Tian Ruixiang, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Horace Mann Educators	0	1	2	1	3.00
Tian Ruixiang	1	0	0	0	1.00

Horace Mann Educators currently has a consensus price target of $47.33, suggesting a potential upside of 12.26%. Given Horace Mann Educators’ stronger consensus rating and higher probable upside, research analysts clearly believe Horace Mann Educators is more favorable than Tian Ruixiang.

Institutional and Insider Ownership

99.3% of Horace Mann Educators shares are owned by institutional investors. Comparatively, 10.7% of Tian Ruixiang shares are owned by institutional investors. 3.8% of Horace Mann Educators shares are owned by insiders. Comparatively, 39.6% of Tian Ruixiang shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Summary

Horace Mann Educators beats Tian Ruixiang on 11 of the 13 factors compared between the two stocks.

About Horace Mann Educators

Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. The company operates through Property & Casualty, Life & Retirement, and Supplemental & Group Benefits segments. Its Property & Casualty segment offers insurance products, including private passenger auto insurance, residential home insurance, and personal umbrella insurance; and provides auto coverages including liability and collision, and property coverage for homeowners and renters. The Life & Retirement segment markets tax-qualified fixed, fixed indexed, and variable annuities; and internal revenue code for educator, which allows public school employees and employees of other tax-exempt organizations, such as not-for-profit private schools, to utilize pretax income to make periodic contributions to a qualified retirement plan. The Supplemental & Group Benefits segment offers employer-sponsored products including accident, critical illness, limited-benefit fixed indemnity insurance, term life, and short-term and long-term disability, as well as worksite direct products, such as supplemental heart, cancer, disability, and accident coverage. The company was founded in 1945 and is headquartered in Springfield, Illinois.

About Tian Ruixiang

Tian Ruixiang Holdings Ltd, together its subsidiaries, operates as an insurance broker in China and the United States. It distributes a range of insurance products, including property and casualty insurance, such as automobile, commercial property, liability, and accidental insurance; and life insurance comprising individual and group life insurances, as well as health and miscellaneous insurance. It serves individual or institutional customers. The company was founded in 2010 and is headquartered in Beijing, China.