HMN vs SPSC

Comparison between Horace Mann Educators Corp (HMN, Company) and SPS Commerce Inc (SPSC, Company).

HMN is from the Financial Services sector, while SPSC is from the Technology sector.

5-Year PerformanceHMN has outperformed SPSC, delivering a return of +10.8% compared to -10.3%

HMN vs SPSC - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	HMN(COMPANY)	SPSC(COMPANY)
Market Cap	$2.15B	$2.15B
Max Drawdown	82.89%	76.83%
Sharpe Ratio	1.16	-1.58
5Y Beta	0.32	0.98
Industry	Insurance - Property & Casualty	Software - Application
P/E Ratio	12.97	24.08
Forward P/E	9.25	68.03
PEG Ratio	0.11	2.00
Dividend Yield	2.73%	N/A
5Y Dividends CAGR	3.09%	N/A
5Y EPS CAGR	3.20%	13.14%
Debt to Equity	40.39%	0.00%
Free Cash Flow Yield	22.00%	7.75%
P/S Ratio	1.24	2.81
P/B Ratio	1.42	2.22

Market Cap

HMN

$2.15B

Winner

SPSC

$2.15B

Max Drawdown

HMN

82.89%

Winner

SPSC

76.83%

Sharpe Ratio

Winner

HMN

1.16

SPSC

-1.58

5Y Beta

Winner

HMN

0.32

SPSC

0.98

Industry

HMN

Insurance - Property & Casualty

SPSC

Software - Application

P/E Ratio

Winner

HMN

12.97

SPSC

24.08

Forward P/E

Winner

HMN

9.25

SPSC

68.03

PEG Ratio

Winner

HMN

0.11

SPSC

2.00

Dividend Yield

HMN

2.73%

SPSC

N/A

5Y Dividends CAGR

HMN

3.09%

SPSC

N/A

5Y EPS CAGR

HMN

3.20%

Winner

SPSC

13.14%

Debt to Equity

HMN

40.39%

Winner

SPSC

0.00%

Free Cash Flow Yield

Winner

HMN

22.00%

SPSC

7.75%

P/S Ratio

Winner

HMN

1.24

SPSC

2.81

P/B Ratio

Winner

HMN

1.42

SPSC

2.22

HMN vs SPSC - Historical Returns

Returns include dividend reinvestment.

Period	HMN	SPSC
1 month	+17.80%	+2.19%
3 months	+25.60%	+5.32%
6 months	+21.15%	-32.81%
1 year	+32.57%	-57.79%
5 years(CAGR)	+10.79%	-10.30%
10 years(CAGR)	+8.18%	+6.75%
Max(CAGR)	+5.47%	+14.28%

Winner

HMN

+17.80%

SPSC

+2.19%

Winner

HMN

+25.60%

SPSC

+5.32%

Winner

HMN

+21.15%

SPSC

-32.81%

Winner

HMN

+32.57%

SPSC

-57.79%

5Y(CAGR)

Winner

HMN

+10.79%

SPSC

-10.30%

10Y(CAGR)

Winner

HMN

+8.18%

SPSC

+6.75%

Max(CAGR)

HMN

+5.47%

Winner

SPSC

+14.28%

HMN vs SPSC - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	HMN	SPSC
2026	+21.15%	-32.81%
2025	+23.21%	-51.24%
2024	+21.27%	-0.17%
2023	-9.33%	+51.43%
2022	-0.07%	-7.22%
2021	-3.68%	+26.88%
2020	-1.77%	+93.57%
2019	+19.35%	+35.47%
2018	-12.10%	+69.05%
2017	+5.64%	-30.07%
2016	+38.27%	+3.08%
2015	+3.22%	+26.25%
2014	+8.87%	-12.07%
2013	+59.51%	+66.07%
2012	+44.76%	+49.08%
2011	-22.91%	+66.67%
2010	+43.23%	+16.18%
2009	+31.84%	N/A
2008	-49.96%	N/A
2007	-5.58%	N/A
2006	+8.07%	N/A
2005	+3.06%	N/A
2004	+38.25%	N/A
2003	-8.05%	N/A
2002	-23.92%	N/A
2001	+5.51%	N/A
2000	+9.80%	N/A
1999	-30.82%	N/A

HMN vs SPSC Drawdown Comparison

The maximum drawdown for HMN was -78.17%, occurring on Oct 27, 2008. Recovery took 3321 trading sessions.

The maximum drawdown for SPSC was -76.83%, occurring on May 13, 2026. This drawdown has not yet recovered.

The current SPSC drawdown is -72.58%.

Rank	HMN	SPSC
#1	-78.17% Nov 5, 1999 - Jan 22, 2013	-76.83% Jul 31, 2024 - May 13, 2026
#2	-33.31% Sep 13, 2019 - Nov 6, 2024	-49.97% Oct 21, 2013 - Jul 27, 2018
#3	-25.79% Jul 16, 2015 - Sep 21, 2016	-47.62% Feb 18, 2020 - May 20, 2020
#4	-24.94% Jul 9, 2018 - Sep 10, 2019	-43.58% Oct 28, 2021 - Jun 12, 2023
#5	-20.77% Jan 4, 2017 - Oct 25, 2017	-38.17% Apr 23, 2010 - Nov 8, 2010
#6	-17.40% Nov 29, 2017 - Jul 6, 2018	-23.36% Feb 9, 2024 - Jul 31, 2024
#7	-13.56% Nov 6, 2024 - Feb 11, 2025	-23.32% Sep 14, 2018 - Feb 13, 2019
#8	-13.07% Dec 30, 2013 - Jun 17, 2014	-20.84% Jul 18, 2023 - Dec 26, 2023
#9	-12.14% Oct 10, 2016 - Nov 11, 2016	-20.30% Feb 8, 2011 - May 2, 2011
#10	-11.34% Oct 21, 2013 - Dec 20, 2013	-20.28% Jan 7, 2021 - Aug 13, 2021
#11	-10.73% Sep 12, 2025 - May 20, 2026	-19.47% Jul 26, 2019 - Nov 25, 2019
#12	-10.63% Apr 2, 2025 - May 16, 2025	-18.56% Oct 4, 2012 - Mar 26, 2013
#13	-10.11% Jun 20, 2014 - Nov 12, 2014	-18.23% Jul 21, 2011 - Oct 12, 2011
#14	-9.34% Dec 30, 2014 - Mar 12, 2015	-16.77% Nov 10, 2010 - Dec 10, 2010
#15	-8.54% Jul 26, 2013 - Oct 4, 2013	-16.70% Feb 8, 2012 - Apr 27, 2012