Safety Insurance Group (SAFT) Competitors

Horace Mann Educators (NYSE:HMN) and Safety Insurance Group (NASDAQ:SAFT) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, community ranking, earnings, dividends, institutional ownership, analyst recommendations, risk, media sentiment and profitability.

Which has higher valuation and earnings, HMN or SAFT?

Horace Mann Educators has higher revenue and earnings than Safety Insurance Group. Horace Mann Educators is trading at a lower price-to-earnings ratio than Safety Insurance Group, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Horace Mann Educators	$1.49B	1.13	$45M	$2.51	16.51
Safety Insurance Group	$930.96M	1.35	$18.88M	$5.05	16.80

Is HMN or SAFT more profitable?

Safety Insurance Group has a net margin of 6.86% compared to Horace Mann Educators' net margin of 6.55%. Horace Mann Educators' return on equity of 8.14% beat Safety Insurance Group's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Horace Mann Educators	6.55%	8.14%	0.69%
Safety Insurance Group	6.86%	6.35%	2.41%

Is HMN or SAFT a better dividend stock?

Horace Mann Educators pays an annual dividend of $1.36 per share and has a dividend yield of 3.3%. Safety Insurance Group pays an annual dividend of $3.60 per share and has a dividend yield of 4.2%. Horace Mann Educators pays out 54.2% of its earnings in the form of a dividend. Safety Insurance Group pays out 71.3% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Horace Mann Educators has increased its dividend for 16 consecutive years.

Do institutionals & insiders believe in HMN or SAFT?

99.3% of Horace Mann Educators shares are owned by institutional investors. Comparatively, 81.0% of Safety Insurance Group shares are owned by institutional investors. 3.8% of Horace Mann Educators shares are owned by insiders. Comparatively, 2.0% of Safety Insurance Group shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Does the MarketBeat Community favor HMN or SAFT?

Horace Mann Educators received 39 more outperform votes than Safety Insurance Group when rated by MarketBeat users. However, 56.64% of users gave Safety Insurance Group an outperform vote while only 50.55% of users gave Horace Mann Educators an outperform vote.

Company	Underperform	Outperform
Horace Mann Educators	Outperform Votes 184 50.55%	Underperform Votes 180 49.45%
Safety Insurance Group	Outperform Votes 145 56.64%	Underperform Votes 111 43.36%

Does the media refer more to HMN or SAFT?

In the previous week, Horace Mann Educators had 2 more articles in the media than Safety Insurance Group. MarketBeat recorded 3 mentions for Horace Mann Educators and 1 mentions for Safety Insurance Group. Safety Insurance Group's average media sentiment score of 1.82 beat Horace Mann Educators' score of 0.33 indicating that Safety Insurance Group is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Horace Mann Educators	1 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Safety Insurance Group	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive

Which has more volatility & risk, HMN or SAFT?

Horace Mann Educators has a beta of 0.27, indicating that its share price is 73% less volatile than the S&P 500. Comparatively, Safety Insurance Group has a beta of 0.17, indicating that its share price is 83% less volatile than the S&P 500.

Do analysts recommend HMN or SAFT?

Horace Mann Educators presently has a consensus price target of $42.67, indicating a potential upside of 2.98%. Given Horace Mann Educators' stronger consensus rating and higher possible upside, research analysts plainly believe Horace Mann Educators is more favorable than Safety Insurance Group.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Horace Mann Educators	0 Sell rating(s)	3 Hold rating(s)	0 Buy rating(s)	1 Strong Buy rating(s)	2.50
Safety Insurance Group	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Summary

Horace Mann Educators beats Safety Insurance Group on 13 of the 21 factors compared between the two stocks.