Horace Mann Educators (HMN) vs Root (ROOT)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Horace Mann Educators (HMN) has outperformed Root (ROOT) over the past year, gaining 3.1% versus a loss of 40.6%. Over five years, HMN leads with a +15.4% price change compared with -46.9% for ROOT. Horace Mann Educators is the larger company by market cap ($1.86 billion vs $752.4 million), about 2.5 times the size.
On valuation, Horace Mann Educators trades at a lower forward P/E (8.5x vs 17.2x for Root). Horace Mann Educators pays a dividend yielding 3.09%, while Root 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 | ROOT |
|---|---|---|
| Share price | $45.90 | $48.56 |
| Market cap | $1.86B | $752.35M |
| 1-day change | +1.82% | +1.72% |
| YTD return | -0.61% | -32.77% |
| 1-year return | +3.15% | -40.58% |
| 5-year return | +15.44% | -46.89% |
| P/E ratio (TTM) | 10.72 | 13.72 |
| Forward P/E | 8.53 | 17.22 |
| EPS (TTM) | $4.28 | $3.54 |
| Dividend yield | 3.09% | 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 | $91.00 |
| 52-week low | $41.29 | $40.91 |
| Distance from 52-week high | -17.39% | -46.64% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +23.09% | +21.91% |
| Average volume | 287.29K | 230.47K |
| Shares outstanding | 40.50M | 13.69M |
| Employees | 1,800 | 1,256 |
| 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 2.5 times larger than Root by market value ($1.86B vs $752.35M).
- HMN has outperformed ROOT by 43.7 percentage points over the past year.
- Root trades at a higher earnings multiple (13.7x vs 10.7x trailing P/E).
- Horace Mann Educators offers a meaningfully higher dividend yield (3.09% 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 Root
ROOT stock →Root, Inc. provides insurance products and services in the United States.
Finance · Property-Casualty Insurers · 1,256 employees
HMN vs ROOT FAQ
Which is bigger, Horace Mann Educators or Root?
Horace Mann Educators (HMN) is larger, with a market capitalization of $1.86B compared with $752.35M for Root (ROOT).
Which stock has performed better over the past year, HMN or ROOT?
HMN returned +3.15% over the past 12 months, compared with -40.58% for ROOT (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, HMN or ROOT?
HMN has the lower trailing P/E at 10.7, versus 13.7 for ROOT. 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 Root?
Horace Mann Educators pays a dividend yielding 3.09%, while Root does not currently pay a regular dividend.
Are Horace Mann Educators and Root in the same industry?
Yes. Both are classified in the Property-Casualty Insurers industry within the Finance sector.