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, Palomar Holdings or Inc. 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, Palomar Holdings and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Horace Mann Educators Corporation, Palomar Holdings and Inc.

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.

Palomar Holdings, Inc., a specialty insurance company, provides property and casualty insurance to individuals and businesses in the United States. The company offers personal and commercial specialty insurance products, including residential and commercial earthquake; fronting; and inland marine and other property products, such as inland marine, Hawaii hurricane, excess national property, residential flood, and other property products, as well as assumed reinsurance and crop insurance products. It markets and distributes its products through retail agents, program administrators, wholesale brokers, and strategic partnerships. The company was formerly known as GC Palomar Holdings and changed its name to Palomar Holdings, Inc. The company was incorporated in 2013 and is headquartered in La Jolla, California.

Latest Insurance and Horace Mann Educators Corporation, Palomar Holdings, Inc. 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, Palomar Holdings, Inc. had a $3.6 billion market cap, putting it in the 62nd percentile of all stocks. Palomar Holdings, Inc.’s stock is down 0.7% in 2026, down 2.7% in the previous five trading days and up 2.68% in the past year.

Currently, Palomar Holdings, Inc.’s price-earnings ratio is 18.7. Palomar Holdings, Inc.’s trailing 12-month revenue is $980.3 million with a 20.1% net profit margin. Year-over-year quarterly sales growth most recently was 59.7%. Analysts expect adjusted earnings to reach $9.885 per share for the current fiscal year. Palomar Holdings, Inc. does not currently pay a dividend.

How We Compare Horace Mann Educators Corporation, Palomar Holdings and Inc. 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, Palomar Holdings and Inc.’s stock grades to see how they measure up against one another.

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Horace Mann Educators Corporation, Palomar Holdings and Inc. Stock Value Grades

Company	Ticker	Value
Horace Mann Educators Corporation	HMN	A
Palomar Holdings, Inc.	PLMR	C

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 Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Horace Mann Educators Corporation has a Value Score of 87, which is Deep Value. Palomar Holdings, Inc. has a Value Score of 45, which is Average.

The Value Stock Winner: Horace Mann Educators Corporation

As you can clearly see from the Value Grade breakdown above, Horace Mann Educators Corporation is considered to have better value than Palomar Holdings, Inc.. For investors who focus solely on a company’s valuation, 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, Palomar Holdings and Inc.’s Momentum Grades

Company	Ticker	Momentum
Horace Mann Educators Corporation	HMN	B
Palomar Holdings, Inc.	PLMR	C

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. Palomar Holdings, Inc. has a Momentum Score of 49, which is Average.

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 Palomar Holdings, Inc.. 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, Palomar Holdings and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Horace Mann Educators Corporation	HMN	C
Palomar Holdings, Inc.	PLMR	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. Palomar Holdings, Inc. has a Earnings Estimate Score of 63, which is Positive.

The Earnings Estimate Revisions Grade Winner: Palomar Holdings, Inc.

As you can clearly see from the Earnings Estimate Revisions Grade breakdown above, Palomar Holdings, Inc. 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, Palomar Holdings, Inc. 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, Palomar Holdings and Inc. Grades

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

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

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, Palomar Holdings and Inc. 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, Palomar Holdings or Inc. Stock?

Overall, Horace Mann Educators Corporation stock has a Value Score of 87, Momentum Score of 63 and Estimate Revisions Score of 57.

Palomar Holdings, Inc. stock has a Value Score of 45, Momentum Score of 49 and Estimate Revisions Score of 63.

Comparing Horace Mann Educators Corporation, Palomar Holdings and Inc.’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.