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 Mercury General Corporation or Horace Mann Educators Corporation 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 Mercury General Corporation and Horace Mann Educators Corporation compare based on key financial metrics to determine which better meets your investment needs.

About Mercury General Corporation and Horace Mann Educators Corporation

Mercury General Corporation, together with its subsidiaries, engages in writing personal automobile insurance in the United States. It also writes homeowners, commercial automobile, commercial property, mechanical protection, and umbrella insurance products. The company’s automobile insurance products include collision, property damage, bodily injury, comprehensive, personal injury protection, underinsured and uninsured motorist, and other hazards; and homeowners insurance products comprise dwelling, liability, personal property, and other coverages. It sells its policies through a network of independent agents and insurance agencies, as well as directly through internet sales portals in Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia. Mercury General Corporation was incorporated in 1961 and is headquartered in Los Angeles, California.

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.

Latest Insurance and Mercury General Corporation, Horace Mann Educators Corporation Stock News

As of July 31, 2026, Mercury General Corporation had a $5.9 billion market capitalization, compared to the Insurance median of $7.1 million. Mercury General Corporation’s stock is up 13.9% in 2026, down 0.1% in the previous five trading days and up 51.54% in the past year.

Currently, Mercury General Corporation’s price-earnings ratio is 7.1. Mercury General Corporation’s trailing 12-month revenue is $6.1 billion with a 13.7% net profit margin. Year-over-year quarterly sales growth most recently was 10.5%. Analysts expect adjusted earnings to reach $11.750 per share for the current fiscal year. Mercury General Corporation currently has a 1.2% dividend yield.

As of July 31, 2026, Horace Mann Educators Corporation had a $2.1 billion market cap, putting it in the 55th percentile of all stocks. Horace Mann Educators Corporation’s stock is up 12.8% in 2026, NA 0% 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.

How We Compare Mercury General Corporation and Horace Mann Educators Corporation 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 Mercury General Corporation and Horace Mann Educators Corporation’s stock grades to see how they measure up against one another.

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Mercury General Corporation and Horace Mann Educators Corporation Growth Grades

Company	Ticker	Growth
Mercury General Corporation	MCY	A
Horace Mann Educators Corporation	HMN	B

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.

Mercury General Corporation has a Growth Score of 95, which is Very Strong. Horace Mann Educators Corporation has a Growth Score of 78, which is Strong.

The Growth Grade Winner: Mercury General Corporation

As you can clearly see from the Growth Grade breakdown above, Mercury General Corporation has a more attractive growth grade than Horace Mann Educators Corporation. For investors who focus solely on how a company is growing relative to other companies in the same industry, Mercury General 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.

Mercury General Corporation and Horace Mann Educators Corporation’s Momentum Grades

Company	Ticker	Momentum
Mercury General Corporation	MCY	B
Horace Mann Educators Corporation	HMN	B

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%.

Mercury General Corporation has a Momentum Score of 76, which is Strong. Horace Mann Educators Corporation has a Momentum Score of 63, which is Strong.

The Momentum Grade Winner: It’s a Tie!

Looking at the Momentum Grade breakdown above, both Mercury General Corporation and Horace Mann Educators Corporation have a grade of B. For those who focus solely on a company’s momentum, further research will need to be conducted into both companies to see if they fit your individual needs as an investor.

Mercury General Corporation and Horace Mann Educators Corporation’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Mercury General Corporation	MCY	B
Horace Mann Educators Corporation	HMN	C

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.

Mercury General Corporation has a Earnings Estimate Score of 61, which is Positive. Horace Mann Educators Corporation has a Earnings Estimate Score of 57, which is Neutral.

The Earnings Estimate Revisions Grade Winner: Mercury General Corporation

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, Mercury General Corporation 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, Mercury General Corporation 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 Mercury General Corporation and Horace Mann Educators Corporation Grades

In addition to Growth, Momentum and Estimate Revisions, 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 Mercury General Corporation and Horace Mann Educators Corporation pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Mercury General Corporation or Horace Mann Educators Corporation Stock?

Overall, Mercury General Corporation stock has a Growth Score of 95, Momentum Score of 76 and Estimate Revisions Score of 61.

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

Comparing Mercury General Corporation and Horace Mann Educators Corporation’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.