` Comparison: HMN, CS - Alpha Spread

HMN
vs
CS

Over the past 12 months, HMN has underperformed CS, delivering a return of +14% compared to the CS's +20% growth.

Valuation Growth Profitability Solvency Stocks Performance
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HMN
CS
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Stocks Compared:
HMN CS
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Valuation Comparison

HMN Intrinsic Value
71.69 USD
Undervaluation 36%
Intrinsic Value
Price
CS Intrinsic Value
70.27 EUR
Undervaluation 42%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Horace Mann Educators Corp
NYSE:HMN
46.07 USD
AXA SA
PAR:CS
40.55 EUR
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
HMN, CS

HMN
CS
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Horace Mann Educators Corp
Revenue
AXA SA
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
HMN, CS

HMN
CS
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Horace Mann Educators Corp
NYSE:HMN
FCF is not applicable for financial companies
AXA SA
PAR:CS
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

HMN
CS
LTM 3Y Avg 5Y Avg 10Y Avg
Horace Mann Educators Corp
Not applicable for financial companies
AXA SA
Not applicable for financial companies

Operating Margin

HMN
CS
LTM 3Y Avg 5Y Avg 10Y Avg
Horace Mann Educators Corp
Not applicable for financial companies
AXA SA
Not applicable for financial companies

Net Margin

HMN
9.8%
CS
8.5%
LTM 3Y Avg 5Y Avg 10Y Avg
Horace Mann Educators Corp
AXA SA

FCF Margin

HMN
CS
LTM 3Y Avg 5Y Avg 10Y Avg
Horace Mann Educators Corp
Not applicable for financial companies
AXA SA
Not applicable for financial companies

ROE

HMN
12%
CS
16.4%
LTM 3Y Avg 5Y Avg 10Y Avg
Horace Mann Educators Corp
AXA SA

ROA

HMN
1.1%
CS
1.2%
LTM 3Y Avg 5Y Avg 10Y Avg
Horace Mann Educators Corp
AXA SA

ROIC

HMN
CS
LTM 3Y Avg 5Y Avg 10Y Avg
Horace Mann Educators Corp
Not applicable for financial companies
AXA SA
Not applicable for financial companies

ROCE

HMN
CS
LTM 3Y Avg 5Y Avg 10Y Avg
Horace Mann Educators Corp
Not applicable for financial companies
AXA SA
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
HMN, CS

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HMN
CS
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Performance Gap
HMN, CS

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HMN
CS
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
HMN, CS

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HMN
CS
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