Sifting through countless of stocks in the Insurance industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Horace Mann Educators Corporation or Assured Guaranty Ltd. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Horace Mann Educators Corporation and Assured Guaranty Ltd. compare based on key financial metrics to determine which better meets your investment needs.

About Horace Mann Educators Corporation and Assured Guaranty Ltd.

Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. It operates through three segments: Property & Casualty, Life & Retirement, and Supplemental & Group Benefits segments. The Property & Casualty segment offers insurance products, including private passenger auto insurance, residential home insurance, and personal umbrella insurance; standard auto coverage including liability, collision, and comprehensive; property coverage for homeowners and renters. The Life & Retirement segment sells tax-qualified fixed, fixed indexed, and variable annuities; the Horace Mann Retirement Advantage open architecture platform and other defined contribution plans; traditional term, whole life insurance products, and indexed universal life (IUL) products. This segment also offers Life by Design, a portfolio of individual whole life and individual term insurance products that address the financial planning needs of educators; Life Select, a combination product that mixes a base of either traditional whole life, 20-pay life, or life paid-up at age 65 with a variety of term riders; single premium whole life products; and cash value term. 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 coverages. The company offers individual protection and savings solutions, including auto insurance, property insurance, liability insurance, 403(b) retirement plans, mutual funds, life insurance, student loan solutions, credit monitoring, and financial wellness workshops. It distributes its products and services through agents, brokers, benefit specialists, direct and digital channels. The company was founded in 1945 and is headquartered in Springfield, Illinois.

Assured Guaranty Ltd., together with its subsidiaries, provides credit protection products to public finance and structured finance markets in the United States and internationally. It operates through Insurance and Asset Management segments. The company offers financial guaranty insurance that protects holders of debt instruments and other monetary obligations from defaults in scheduled payments. It also provides specialty insurance and reinsurance on transactions with risk profiles similar to those of its structured finance exposures written in financial guaranty form, as well as offers credit protection through reinsurance. In addition, the company insures and reinsures various the U.S. public finance obligations, such as general obligation, tax-backed bonds, municipal utility, transportation, healthcare, higher education, infrastructure, housing revenue, investor-owned utility, renewable energy, and other public finance bonds. Further, it involved in insuring and reinsuring of non-U.S. public finance obligations comprising regulated utilities, infrastructure finance, sovereign and sub-sovereign, renewable energy bonds, and pooled infrastructure obligations; and the U.S. and non-U.S. structured finance obligations, including residential mortgage-backed securities, life insurance transactions, pooled corporate obligations, and financial products. Additionally, the company offers specialty business, such as diversified real estate, insurance reserve financing and securitizations, pooled corporate obligations, and aircraft residual value insurance (RVI) transactions; and asset management services comprising investment advisory services. It markets its financial guaranty insurance directly to issuers and underwriters of public finance and structured finance securities, as well as to investors. Assured Guaranty Ltd. was incorporated in 2003 and is headquartered in Hamilton, Bermuda.

Latest Insurance and Horace Mann Educators Corporation, Assured Guaranty Ltd. Stock News

As of July 31, 2026, Horace Mann Educators Corporation had a $2.1 billion market capitalization, compared to the Insurance median of $7.1 million. Horace Mann Educators Corporation’s stock is up 12.8% in 2026, in the previous five trading days and up 25.81% in the past year.

Currently, Horace Mann Educators Corporation’s price-earnings ratio is 13.1. Horace Mann Educators Corporation’s trailing 12-month revenue is $1.7 billion with a 9.6% net profit margin. Year-over-year quarterly sales growth most recently was 3.1%. Analysts expect adjusted earnings to reach $4.530 per share for the current fiscal year. Horace Mann Educators Corporation currently has a 2.8% dividend yield.

As of July 31, 2026, Assured Guaranty Ltd. had a $3.7 billion market cap, putting it in the 62nd percentile of all stocks. Assured Guaranty Ltd.’s stock is down 8% in 2026, down 3.1% in the previous five trading days and down 1.15% in the past year.

Currently, Assured Guaranty Ltd.’s price-earnings ratio is 9.5. Assured Guaranty Ltd.’s trailing 12-month revenue is $814.0 million with a 51.0% net profit margin. Year-over-year quarterly sales growth most recently was -6.2%. Analysts expect adjusted earnings to reach $7.262 per share for the current fiscal year. Assured Guaranty Ltd. currently has a 1.8% dividend yield.

How We Compare Horace Mann Educators Corporation and Assured Guaranty Ltd. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Horace Mann Educators Corporation and Assured Guaranty Ltd.’s stock grades to see how they measure up against one another.

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Horace Mann Educators Corporation and Assured Guaranty Ltd. Growth Grades

Company	Ticker	Growth
Horace Mann Educators Corporation	HMN	B
Assured Guaranty Ltd.	AGO	F

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Horace Mann Educators Corporation has a Growth Score of 78, which is Strong. Assured Guaranty Ltd. has a Growth Score of 10, which is Very Weak.

The Growth Grade Winner: Horace Mann Educators Corporation

As you can clearly see from the Growth Grade breakdown above, Horace Mann Educators Corporation has a more attractive growth grade than Assured Guaranty Ltd.. For investors who focus solely on how a company is growing relative to other companies in the same industry, Horace Mann Educators Corporation could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Horace Mann Educators Corporation and Assured Guaranty Ltd.’s Momentum Grades

Company	Ticker	Momentum
Horace Mann Educators Corporation	HMN	B
Assured Guaranty Ltd.	AGO	D

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

Horace Mann Educators Corporation has a Momentum Score of 63, which is Strong. Assured Guaranty Ltd. has a Momentum Score of 40, which is Weak.

The Momentum Grade Winner: Horace Mann Educators Corporation

As you can clearly see from the Momentum Grade breakdown above, Horace Mann Educators Corporation is considered to have stronger momentum compared to Assured Guaranty Ltd.. For those specifically looking for companies that have stronger momentum compared to other companies in the same industry, Horace Mann Educators Corporation could be a good stock to invest in. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Horace Mann Educators Corporation and Assured Guaranty Ltd.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Horace Mann Educators Corporation	HMN	C
Assured Guaranty Ltd.	AGO	B

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Horace Mann Educators Corporation has a Earnings Estimate Score of 57, which is Neutral. Assured Guaranty Ltd. has a Earnings Estimate Score of 68, which is Positive.

The Earnings Estimate Revisions Grade Winner: Assured Guaranty Ltd.

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, Assured Guaranty Ltd. has a better Earnings Estimate Revisions Grade than Horace Mann Educators Corporation. For those who are specifically looking for companies with better short-term prospects when compared to other companies in the same industry, Assured Guaranty Ltd. could be a good stock to invest in. However, it’s important to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Other Horace Mann Educators Corporation and Assured Guaranty Ltd. Grades

In addition to Growth, Estimate Revisions and Momentum, A+ Investor also provides grades for Value and Quality.

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection. Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Horace Mann Educators Corporation and Assured Guaranty Ltd. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Horace Mann Educators Corporation or Assured Guaranty Ltd. Stock?

Overall, Horace Mann Educators Corporation stock has a Growth Score of 78, Momentum Score of 63 and Estimate Revisions Score of 57.

Assured Guaranty Ltd. stock has a Growth Score of 10, Momentum Score of 40 and Estimate Revisions Score of 68.

Comparing Horace Mann Educators Corporation and Assured Guaranty Ltd.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.