Assurant vs Horace Mann Educators
Assurant is the larger business, with $12.81bn of revenue in fiscal 2025 against $1.70bn for Horace Mann Educators (7.5 times as much). Assurant grew faster (7.9% against 6.7%). Horace Mann Educators kept more of each dollar of sales as profit: a net margin of 9.5% against 6.8%. Assurant carries less debt relative to equity (37.6% against 40.0%).
| Latest fiscal year | AssurantAIZ, 2025 | Horace Mann EducatorsHMN, 2025 |
|---|---|---|
| Revenue | $12.81bn | $1.70bn |
| Revenue growth | 7.9% | 6.7% |
| Net income | $873m | $162m |
| Operating margin | — | — |
| Net margin | 6.8% | 9.5% |
| Return on equity | 15.9% | 11.7% |
| Free cash flow | $1.60bn | — |
| Cash | $1.83bn | $27.5m |
| Total debt | $2.21bn | $593m |
| Debt to equity | 37.6% | 40.0% |
| Dividend per share | $3.28 | $1.40 |
| Dividend yield | 1.2% | 2.9% |
| Share buybacks | $304m | $20.8m |
| Employees | 14,800 | 1,800 |
| Market value | $14.61bn | $1.96bn |
| Price vs our value range | — | — |
| Moat score | 70 (Moderate) | 43 (Weak) |
| Insider trades, 12 months | 0 buys, 8 sales | 2 buys, 26 sales |