Horace Mann Educators (HMN) vs NI (NODK)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
NI (NODK) has outperformed Horace Mann Educators (HMN) over the past year, gaining 10.1% versus a gain of 3.1%. Over five years, HMN leads with a +15.4% price change compared with -25.2% for NODK. Horace Mann Educators is the larger company by market cap ($1.84 billion vs $301.2 million), about 6.1 times the size.
On valuation, Horace Mann Educators trades at a lower trailing P/E (10.6x vs 38.8x for NI). Horace Mann Educators pays a dividend yielding 3.12%, while NI does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | HMN | NODK |
|---|---|---|
| Share price | $45.46 | $14.76 |
| Market cap | $1.84B | $301.19M |
| 1-day change | -0.96% | -0.87% |
| YTD return | -0.61% | +11.95% |
| 1-year return | +3.15% | +10.13% |
| 5-year return | +15.44% | -25.21% |
| P/E ratio (TTM) | 10.62 | 38.84 |
| Forward P/E | 8.45 | — |
| EPS (TTM) | $4.28 | $0.38 |
| Dividend yield | 3.12% | 0.00% |
| Annual dividend | $1.42 | $0.00 |
| Revenue (latest FY) | $1.70B | — |
| Revenue growth (YoY) | +6.66% | — |
| Net income (latest FY) | $162.10M | — |
| Net margin | 9.53% | — |
| 52-week high | $55.56 | $16.70 |
| 52-week low | $41.29 | $12.37 |
| Distance from 52-week high | -18.18% | -11.61% |
| Analyst consensus | buy | — |
| Avg. price target upside | +24.29% | — |
| Average volume | 287.29K | 25.73K |
| Shares outstanding | 40.50M | 20.40M |
| Employees | 1,800 | 166 |
| Sector | Finance | Finance |
| Industry | Property-Casualty Insurers | Property-Casualty Insurers |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Horace Mann Educators is about 6.1 times larger than NI by market value ($1.84B vs $301.19M).
- NI trades at a higher earnings multiple (38.8x vs 10.6x trailing P/E).
- Horace Mann Educators offers a meaningfully higher dividend yield (3.12% vs 0.00%).
About Horace Mann Educators
HMN stock →Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. It operates through three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits segments.
Finance · Property-Casualty Insurers · 1,800 employees
About NI
NODK stock →NI Holdings, Inc., together with its subsidiaries, underwrites property and casualty insurance products in the United States. Its products include private passenger auto, homeowners, farm owners, commercial multi-peril, crop hail, excess liability, dwelling, and federal multi-peril crop insurance policies, as well as non-standard automobile insurance policies.
Finance · Property-Casualty Insurers · 166 employees
HMN vs NODK FAQ
Which is bigger, Horace Mann Educators or NI?
Horace Mann Educators (HMN) is larger, with a market capitalization of $1.84B compared with $301.19M for NI (NODK).
Which stock has performed better over the past year, HMN or NODK?
NODK returned +10.13% over the past 12 months, compared with +3.15% for HMN (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, HMN or NODK?
HMN has the lower trailing P/E at 10.6, versus 38.8 for NODK. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Horace Mann Educators or NI?
Horace Mann Educators pays a dividend yielding 3.12%, while NI does not currently pay a regular dividend.
Are Horace Mann Educators and NI in the same industry?
Yes. Both are classified in the Property-Casualty Insurers industry within the Finance sector.