Horace Mann Educators (NYSE:HMN) versus Zurich Insurance Group (OTCMKTS:ZURVY) Head to Head Contrast

Horace Mann Educators (NYSE:HMN) and Zurich Insurance Group (OTCMKTS:ZURVY) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their earnings, risk, profitability, valuation, dividends, institutional ownership and analyst recommendations.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Horace Mann Educators	9.79%	15.69%	1.44%
Zurich Insurance Group	N/A	N/A	N/A

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Horace Mann Educators and Zurich Insurance Group, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Horace Mann Educators	0	3	2	1	2.67
Zurich Insurance Group	1	2	0	0	1.67

Horace Mann Educators presently has a consensus price target of $46.75, indicating a potential upside of 4.24%. Given Horace Mann Educators’ stronger consensus rating and higher probable upside, equities research analysts plainly believe Horace Mann Educators is more favorable than Zurich Insurance Group.

Volatility & Risk

Horace Mann Educators has a beta of 0.06, indicating that its stock price is 94% less volatile than the S&P 500. Comparatively, Zurich Insurance Group has a beta of 0.57, indicating that its stock price is 43% less volatile than the S&P 500.

Insider and Institutional Ownership

99.3% of Horace Mann Educators shares are owned by institutional investors. Comparatively, 0.0% of Zurich Insurance Group shares are owned by institutional investors. 3.8% of Horace Mann Educators shares are owned by company insiders. Comparatively, 0.0% of Zurich Insurance Group shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Earnings & Valuation

This table compares Horace Mann Educators and Zurich Insurance Group”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Horace Mann Educators	$1.60 billion	1.14	$102.80 million	$3.95	11.35
Zurich Insurance Group	$59.51 billion	1.76	$5.81 billion	N/A	N/A

Zurich Insurance Group has higher revenue and earnings than Horace Mann Educators.

Dividends

Horace Mann Educators pays an annual dividend of $1.40 per share and has a dividend yield of 3.1%. Zurich Insurance Group pays an annual dividend of $1.08 per share and has a dividend yield of 3.0%. Horace Mann Educators pays out 35.4% of its earnings in the form of a dividend. Horace Mann Educators has raised its dividend for 17 consecutive years. Horace Mann Educators is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

Horace Mann Educators beats Zurich Insurance Group on 11 of the 16 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 Zurich Insurance Group

Zurich Insurance Group AG, together with its subsidiaries, provides insurance products and related services in Europe, the Middle East, Africa, North America, Latin America, and the Asia Pacific. The company operates through Property & Casualty Regions, Life Regions, Farmers, Group Functions and Operations, and Non-Core Businesses segments. It offers car and motor, home, travel, general liability, life and critical illness, and other insurance products; and saving and investment, and pension and retirement planning products. The company also provides property, casualty, energy and engineering lines, and marine; commercial management liability, financial institutions, and professional indemnity; and cyber, accident and health, and credit lines and surety insurance products, as well as and non-claims and ancillary services to the farmers exchanges. In addition, it offers employee benefit insurance products; and climate resilience, risk engineering, captive, and cyber resilience, as well as climate risk assessment and reinsurance services. The company serves individuals, small businesses, and mid-sized and large companies, as well as multinational corporations. It sells its products through agents, brokers, and bank distribution channels. Zurich Insurance Group AG was founded in 1872 and is based in Zurich, Switzerland.