NN Group (OTCMKTS:NNGRY – Get Free Report) and Horace Mann Educators (NYSE:HMN – Get Free Report) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their profitability, institutional ownership, dividends, valuation, analyst recommendations, earnings and risk.
Analyst Recommendations
This is a summary of recent ratings and target prices for NN Group and Horace Mann Educators, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| NN Group | 0 | 1 | 2 | 0 | 2.67 |
| Horace Mann Educators | 0 | 0 | 0 | 3 | 4.00 |
Horace Mann Educators has a consensus price target of $59.00, suggesting a potential upside of 12.34%. Given Horace Mann Educators’ stronger consensus rating and higher possible upside, analysts clearly believe Horace Mann Educators is more favorable than NN Group.
Risk and Volatility
Insider and Institutional Ownership
0.0% of NN Group shares are held by institutional investors. Comparatively, 99.3% of Horace Mann Educators shares are held by institutional investors. 3.6% of Horace Mann Educators shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.
Dividends
NN Group pays an annual dividend of $1.37 per share and has a dividend yield of 2.9%. Horace Mann Educators pays an annual dividend of $1.44 per share and has a dividend yield of 2.7%. Horace Mann Educators pays out 33.6% of its earnings in the form of a dividend. Horace Mann Educators has raised its dividend for 17 consecutive years.
Profitability
This table compares NN Group and Horace Mann Educators’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| NN Group | N/A | N/A | N/A |
| Horace Mann Educators | 10.15% | 14.08% | 1.35% |
Valuation and Earnings
This table compares NN Group and Horace Mann Educators”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| NN Group | $13.03 billion | 1.90 | $1.34 billion | N/A | N/A |
| Horace Mann Educators | $1.68 billion | 1.27 | $162.10 million | $4.28 | 12.27 |
NN Group has higher revenue and earnings than Horace Mann Educators.
Summary
Horace Mann Educators beats NN Group on 9 of the 16 factors compared between the two stocks.
About NN Group
NN Group N.V., a financial services company, provides life and non-life insurance products in the Netherlands and internationally. The company operates through Netherlands Life, Netherlands Non-life, Insurance Europe, Japan Life, Banking, and Other segments. It offers Life insurance products, such as group and individual pension products, retail life insurance, and SME life insurance products; and non-life insurance products, including motor, fire, liability, transport, travel, health, property and casualty, and disability and accident insurance products. The company also provides banking services, including mortgage loans, bank annuities, consumer savings, and retail savings and investment products; reinsurance services; and retirement products and services. It offers its products to individuals, small and medium-sized enterprises, and Corporates customers directly through tied agents, agents/ brokers, platform insurance, and direct channels. The company was formerly known as ING Insurance Topholding N.V. and changed its name to NN Group N.V. in March 2014. NN Group N.V. was founded in 1845 and is headquartered in the Hague, the Netherlands.
About Horace Mann Educators
Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. The company operates through Property & Casualty, Life & Retirement, and Supplemental & Group Benefits segments. Its Property & Casualty segment offers insurance products, including private passenger auto insurance, residential home insurance, and personal umbrella insurance; and provides auto coverages including liability and collision, and property coverage for homeowners and renters. The Life & Retirement segment markets tax-qualified fixed, fixed indexed, and variable annuities; and internal revenue code for educator, which allows public school employees and employees of other tax-exempt organizations, such as not-for-profit private schools, to utilize pretax income to make periodic contributions to a qualified retirement plan. The Supplemental & Group Benefits segment offers employer-sponsored products including accident, critical illness, limited-benefit fixed indemnity insurance, term life, and short-term and long-term disability, as well as worksite direct products, such as supplemental heart, cancer, disability, and accident coverage. The company was founded in 1945 and is headquartered in Springfield, Illinois.
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