Horace Mann Educators (HMN) vs United Fire Group (UFCS)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
United Fire Group (UFCS) has outperformed Horace Mann Educators (HMN) over the past year, gaining 77.6% versus a gain of 1.8%. Over five years, UFCS leads with a +150.1% price change compared with +13.4% for HMN. Horace Mann Educators is the larger company by market cap ($1.84 billion vs $1.42 billion), about 1.3 times the size.
On valuation, Horace Mann Educators trades at a lower forward P/E (8.4x vs 11.4x for United Fire Group). Horace Mann Educators offers the higher dividend yield (3.13% vs 1.31%).
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 | UFCS |
|---|---|---|
| Share price | $45.31 | $55.17 |
| Market cap | $1.84B | $1.42B |
| 1-day change | +0.51% | +0.22% |
| YTD return | -2.38% | +51.44% |
| 1-year return | +1.78% | +77.64% |
| 5-year return | +13.38% | +150.11% |
| P/E ratio (TTM) | 10.59 | 10.24 |
| Forward P/E | 8.42 | 11.40 |
| EPS (TTM) | $4.28 | $5.39 |
| Dividend yield | 3.13% | 1.31% |
| Annual dividend | $1.42 | $0.72 |
| 52-week high | $55.56 | $56.74 |
| 52-week low | $41.29 | $29.85 |
| Distance from 52-week high | -18.45% | -2.77% |
| Analyst consensus | buy | none |
| Avg. price target upside | +24.70% | +6.04% |
| Average volume | 288.35K | 150.98K |
| Shares outstanding | 40.50M | 25.71M |
| Employees | 1,800 | 846 |
| 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
- UFCS has outperformed HMN by 75.9 percentage points over the past year.
- Horace Mann Educators offers a meaningfully higher dividend yield (3.13% vs 1.31%).
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 United Fire Group
UFCS stock →United Fire Group, Inc., together with its subsidiaries, engages in writing property and casualty insurance in the United States. It provides property and casualty insurance, and surety bonds; and fire and allied lines, other liability, automobile, workers' compensation, and surety to small business owners and middle market businesses operating in industries, such as construction, services, retail trade, financial, and manufacturing.
Finance · Property-Casualty Insurers · 846 employees
HMN vs UFCS FAQ
Which is bigger, Horace Mann Educators or United Fire Group?
Horace Mann Educators (HMN) is larger, with a market capitalization of $1.84B compared with $1.42B for United Fire Group (UFCS).
Which stock has performed better over the past year, HMN or UFCS?
UFCS returned +77.64% 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 UFCS?
UFCS has the lower trailing P/E at 10.2, versus 10.6 for HMN. 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 United Fire Group?
Horace Mann Educators has the higher yield at 3.13%, compared with 1.31% for United Fire Group.
Are Horace Mann Educators and United Fire Group in the same industry?
Yes. Both are classified in the Property-Casualty Insurers industry within the Finance sector.