Horace Mann Educators (HMN) vs UNIVERSAL INSURANCE HOLDINGS INC (UVE)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
UNIVERSAL INSURANCE HOLDINGS INC (UVE) has outperformed Horace Mann Educators (HMN) over the past year, gaining 51.0% versus a gain of 1.8%. Over five years, UVE leads with a +234.4% price change compared with +13.4% for HMN. Horace Mann Educators is the larger company by market cap ($1.86 billion vs $1.31 billion), about 1.4 times the size.
On valuation, Horace Mann Educators trades at a lower forward P/E (8.5x vs 10.4x for UNIVERSAL INSURANCE HOLDINGS INC). Horace Mann Educators offers the higher dividend yield (3.09% vs 1.36%).
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 | UVE |
|---|---|---|
| Share price | $45.90 | $46.97 |
| Market cap | $1.86B | $1.31B |
| 1-day change | +1.82% | +3.80% |
| YTD return | -2.38% | +33.88% |
| 1-year return | +1.78% | +50.98% |
| 5-year return | +13.38% | +234.44% |
| P/E ratio (TTM) | 10.72 | 6.18 |
| Forward P/E | 8.53 | 10.44 |
| EPS (TTM) | $4.28 | $7.60 |
| Dividend yield | 3.09% | 1.36% |
| Annual dividend | $1.42 | $0.64 |
| 52-week high | $55.56 | $47.36 |
| 52-week low | $41.29 | $27.89 |
| Distance from 52-week high | -17.39% | -0.82% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +23.09% | -4.19% |
| Average volume | 288.35K | 192.19K |
| Shares outstanding | 40.50M | 27.83M |
| Employees | 1,800 | 929 |
| Sector | Financial Services | Finance |
| Industry | Insurance - Property & Casualty | 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
- UVE has outperformed HMN by 49.2 percentage points over the past year.
- Horace Mann Educators trades at a higher earnings multiple (10.7x vs 6.2x trailing P/E).
- Horace Mann Educators offers a meaningfully higher dividend yield (3.09% vs 1.36%).
- The two companies sit in different sectors: Horace Mann Educators in Financial Services and UNIVERSAL INSURANCE HOLDINGS INC in Finance.
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.
Financial Services · Insurance - Property & Casualty · 1,800 employees
About UNIVERSAL INSURANCE HOLDINGS INC
UVE stock →Universal Insurance Holdings, Inc., together with its subsidiaries, operates as an integrated insurance holding company in the United States. The company offers insurance products for personal residential insurance, such as homeowners, renters and tenants, condo unit owners, and dwelling and fire; and allied lines, coverage for other structures, and personal property, liability, and personal articles coverages.
Finance · Property-Casualty Insurers · 929 employees
HMN vs UVE FAQ
Which is bigger, Horace Mann Educators or UNIVERSAL INSURANCE HOLDINGS INC?
Horace Mann Educators (HMN) is larger, with a market capitalization of $1.86B compared with $1.31B for UNIVERSAL INSURANCE HOLDINGS INC (UVE).
Which stock has performed better over the past year, HMN or UVE?
UVE returned +50.98% 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 UVE?
UVE has the lower trailing P/E at 6.2, versus 10.7 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 UNIVERSAL INSURANCE HOLDINGS INC?
Horace Mann Educators has the higher yield at 3.09%, compared with 1.36% for UNIVERSAL INSURANCE HOLDINGS INC.
Are Horace Mann Educators and UNIVERSAL INSURANCE HOLDINGS INC in the same industry?
No. Horace Mann Educators is in the Financial Services sector, while UNIVERSAL INSURANCE HOLDINGS INC is in Finance.