Horace Mann Educators (HMN) vs Safety Insurance Group (SAFT)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
Safety Insurance Group (SAFT) has outperformed Horace Mann Educators (HMN) over the past year, gaining 48.5% versus a gain of 1.8%. Over five years, SAFT leads with a +30.2% price change compared with +13.4% for HMN. Horace Mann Educators is the larger company by market cap ($1.83 billion vs $1.53 billion), about 1.2 times the size.
On valuation, Horace Mann Educators trades at a lower forward P/E (8.4x vs 16.6x for Safety Insurance Group). Safety Insurance Group offers the higher dividend yield (3.54% vs 3.15%).
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 | SAFT |
|---|---|---|
| Share price | $45.08 | $103.88 |
| Market cap | $1.83B | $1.53B |
| 1-day change | -0.94% | -0.06% |
| YTD return | -2.38% | +33.33% |
| 1-year return | +1.78% | +48.46% |
| 5-year return | +13.38% | +30.19% |
| P/E ratio (TTM) | 10.53 | 22.29 |
| Forward P/E | 8.38 | 16.62 |
| EPS (TTM) | $4.28 | $4.66 |
| Dividend yield | 3.15% | 3.54% |
| Annual dividend | $1.42 | $3.68 |
| 52-week high | $55.56 | $104.01 |
| 52-week low | $41.29 | $67.04 |
| Distance from 52-week high | -18.86% | -0.12% |
| Analyst consensus | buy | — |
| Avg. price target upside | +25.33% | — |
| Average volume | 287.59K | 209.12K |
| Shares outstanding | 40.50M | 14.68M |
| Employees | 1,800 | — |
| 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
- SAFT has outperformed HMN by 46.7 percentage points over the past year.
- Safety Insurance Group trades at a higher earnings multiple (22.3x vs 10.5x trailing P/E).
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
HMN vs SAFT FAQ
Which is bigger, Horace Mann Educators or Safety Insurance Group?
Horace Mann Educators (HMN) is larger, with a market capitalization of $1.83B compared with $1.53B for Safety Insurance Group (SAFT).
Which stock has performed better over the past year, HMN or SAFT?
SAFT returned +48.46% over the past 12 months, compared with +1.78% for HMN (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, HMN or SAFT?
HMN has the lower trailing P/E at 10.5, versus 22.3 for SAFT. 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 Safety Insurance Group?
Safety Insurance Group has the higher yield at 3.54%, compared with 3.15% for Horace Mann Educators.
Are Horace Mann Educators and Safety Insurance Group in the same industry?
Yes. Both are classified in the Property-Casualty Insurers industry within the Finance sector.