Nemo Money has over 1 million (1M+) downloads with a high rating of 4.6 stars from thousands of reviews. Join Nemo and trade with 0% commission.Nemo Money has over 1 million (1M+) downloads with a high rating of 4.6 stars from thousands of reviews. Join Nemo and trade with 0% commission.Nemo Money has over 1 million (1M+) downloads with a high rating of 4.6 stars from thousands of reviews. Join Nemo and trade with 0% commission.Nemo Money has over 1 million (1M+) downloads with a high rating of 4.6 stars from thousands of reviews. Join Nemo and trade with 0% commission.
StewartHorace Mann

Stewart vs Horace Mann

This page compares Stewart Information Services Corporation and Horace Mann Educators Corp, outlining their business models, financial performance, and market context in a neutral, accessible way. Edu...

Investment Analysis

Stewart

Pros

  • Recent earnings growth has been strong, with third quarter 2025 EPS up significantly compared to the prior year.
  • The company maintains a solid dividend yield and has consistently rewarded shareholders with regular payouts.
  • Stewart has expanded its digital services, which may support future revenue diversification and operational efficiency.

Considerations

  • Net profit margins remain relatively low, reflecting ongoing pressure from operating expenses.
  • Revenue growth, while positive, is modest and dependent on the cyclical US real estate market.
  • The company's valuation metrics suggest it trades at a premium compared to some industry peers.
Horace Mann

Pros

  • Horace Mann benefits from a focused niche, serving educators and public sector employees with tailored insurance products.
  • The company maintains a conservative balance sheet with a low price-to-book ratio and manageable leverage.
  • Horace Mann's property and casualty segment has demonstrated resilience in a competitive insurance landscape.

Considerations

  • Growth has been limited by a narrow customer base, which may restrict expansion opportunities.
  • The business faces persistent challenges from rising claims costs and pricing pressures in the insurance sector.
  • Horace Mann's stock has underperformed broader market indices over the past several years.

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