Horace Mann Educators vs International General Insurance Holdings
Horace Mann Educators is the larger business, with $1.70bn of revenue in fiscal 2025 against $517m for International General Insurance Holdings (3.3 times as much). Horace Mann Educators grew faster (6.7% against -4.1%). International General Insurance Holdings kept more of each dollar of sales as profit: a net margin of 24.6% against 9.5%. International General Insurance Holdings carries less debt relative to equity (0.0% against 40.0%).
| Latest fiscal year | Horace Mann EducatorsHMN, 2025 | International General Insurance HoldingsIGIC, 2025 |
|---|---|---|
| Revenue | $1.70bn | $517m |
| Revenue growth | 6.7% | -4.1% |
| Net income | $162m | $127m |
| Operating margin | — | — |
| Net margin | 9.5% | 24.6% |
| Return on equity | 11.7% | 18.6% |
| Free cash flow | — | $107m |
| Cash | $27.5m | $186m |
| Total debt | $593m | $0 |
| Debt to equity | 40.0% | 0.0% |
| Dividend per share | $1.40 | — |
| Dividend yield | 2.9% | 4.3% |
| Share buybacks | $20.8m | $61.9m |
| Employees | 1,800 | — |
| Market value | $1.96bn | $1.07bn |
| Price vs our value range | — | — |
| Moat score | 43 (Weak) | — |
| Insider trades, 12 months | 2 buys, 26 sales | 0 buys, 0 sales |