HMN vs TAL

Comparison between Horace Mann Educators Corp (HMN, Company) and TAL Education Group (TAL, Company).

HMN is from the Financial Services sector, while TAL is from the Consumer Defensive sector.

5-Year PerformanceTAL has outperformed HMN, delivering a return of +16.4% compared to +10.1%

HMN vs TAL - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	HMN(COMPANY)	TAL(COMPANY)
Market Cap	$2.13B	$2.13B
Max Drawdown	82.89%	98.06%
Sharpe Ratio	1.32	0.39
5Y Beta	0.30	0.57
Industry	Insurance - Property & Casualty	Education & Training Services
P/E Ratio	12.82	25.14
Forward P/E	9.25	19.34
PEG Ratio	0.11	0.75
Dividend Yield	2.71%	N/A
5Y Dividends CAGR	3.09%	N/A
5Y EPS CAGR	3.20%	N/A
Debt to Equity	40.39%	0.00%
Free Cash Flow Yield	22.26%	13.45%
P/S Ratio	1.23	2.35
P/B Ratio	1.43	1.91

Market Cap

Winner

HMN

$2.13B

TAL

$2.13B

Max Drawdown

Winner

HMN

82.89%

TAL

98.06%

Sharpe Ratio

Winner

HMN

1.32

TAL

0.39

5Y Beta

Winner

HMN

0.30

TAL

0.57

Industry

HMN

Insurance - Property & Casualty

TAL

Education & Training Services

P/E Ratio

Winner

HMN

12.82

TAL

25.14

Forward P/E

Winner

HMN

9.25

TAL

19.34

PEG Ratio

Winner

HMN

0.11

TAL

0.75

Dividend Yield

HMN

2.71%

TAL

N/A

5Y Dividends CAGR

HMN

3.09%

TAL

N/A

5Y EPS CAGR

HMN

3.20%

TAL

N/A

Debt to Equity

HMN

40.39%

Winner

TAL

0.00%

Free Cash Flow Yield

Winner

HMN

22.26%

TAL

13.45%

P/S Ratio

Winner

HMN

1.23

TAL

2.35

P/B Ratio

Winner

HMN

1.43

TAL

1.91

HMN vs TAL - Historical Returns

Returns include dividend reinvestment.

Period	HMN	TAL
1 month	+0.00%	+25.73%
3 months	+19.44%	+8.92%
6 months	+27.35%	-0.24%
1 year	+31.86%	+11.45%
5 years(CAGR)	+10.05%	+16.37%
10 years(CAGR)	+7.76%	+2.26%
Max(CAGR)	+5.47%	+12.99%

HMN

+0.00%

Winner

TAL

+25.73%

Winner

HMN

+19.44%

TAL

+8.92%

Winner

HMN

+27.35%

TAL

-0.24%

Winner

HMN

+31.86%

TAL

+11.45%

5Y(CAGR)

HMN

+10.05%

Winner

TAL

+16.37%

10Y(CAGR)

Winner

HMN

+7.76%

TAL

+2.26%

Max(CAGR)

HMN

+5.47%

Winner

TAL

+12.99%

HMN vs TAL - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	HMN	TAL
2026	+21.71%	+8.44%
2025	+23.21%	+11.21%
2024	+21.27%	-15.01%
2023	-9.33%	+67.06%
2022	-0.07%	+85.04%
2021	-3.68%	-94.32%
2020	-1.77%	+44.67%
2019	+19.35%	+85.46%
2018	-12.10%	-11.86%
2017	+5.64%	+148.87%
2016	+38.27%	+58.04%
2015	+3.22%	+74.36%
2014	+8.87%	+47.31%
2013	+59.51%	+155.89%
2012	+44.76%	+1.92%
2011	-22.91%	-36.98%
2010	+43.23%	+7.33%
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 TAL Drawdown Comparison

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

The maximum drawdown for TAL was -98.06%, occurring on Mar 14, 2022. This drawdown has not yet recovered.

The current TAL drawdown is -86.18%.

Rank	HMN	TAL
#1	-78.17% Nov 5, 1999 - Jan 22, 2013	-98.06% Feb 19, 2021 - Mar 14, 2022
#2	-33.31% Sep 13, 2019 - Nov 6, 2024	-59.44% Oct 26, 2010 - Oct 22, 2013
#3	-25.79% Jul 16, 2015 - Sep 21, 2016	-54.10% Jun 8, 2018 - Dec 18, 2019
#4	-24.94% Jul 9, 2018 - Sep 10, 2019	-25.31% Sep 18, 2014 - Apr 7, 2015
#5	-20.77% Jan 4, 2017 - Oct 25, 2017	-25.10% Oct 16, 2017 - Feb 22, 2018
#6	-17.40% Nov 29, 2017 - Jul 6, 2018	-24.06% Jun 18, 2015 - Oct 26, 2015
#7	-13.56% Nov 6, 2024 - Feb 11, 2025	-20.97% Feb 21, 2020 - Jun 1, 2020
#8	-13.07% Dec 30, 2013 - Jun 17, 2014	-20.63% Aug 5, 2020 - Feb 9, 2021
#9	-12.14% Oct 10, 2016 - Nov 11, 2016	-19.63% May 12, 2014 - Jun 6, 2014
#10	-11.34% Oct 21, 2013 - Dec 20, 2013	-18.59% Oct 28, 2016 - Feb 6, 2017
#11	-10.73% Sep 12, 2025 - May 20, 2026	-17.44% Jan 15, 2020 - Feb 10, 2020
#12	-10.63% Apr 2, 2025 - May 16, 2025	-16.99% Jan 22, 2014 - May 12, 2014
#13	-10.11% Jun 20, 2014 - Nov 12, 2014	-15.30% Mar 20, 2018 - May 10, 2018
#14	-9.34% Dec 30, 2014 - Mar 12, 2015	-13.76% Dec 18, 2015 - Feb 1, 2016
#15	-8.54% Jul 26, 2013 - Oct 4, 2013	-13.42% Feb 1, 2016 - Feb 17, 2016

Correlation

Correlation between HMN and TAL is 0.36 which considered as a weak positive correlation - the stocks show a slight tendency to move together.

0.36

-101

Dividend Comparison (1999 - 2026)

HMN vs TAL dividend yield comparison.

Year	HMN	TAL
2026	1.33%	0.00%
2025	3.03%	0.00%
2024	3.47%	0.00%
2023	4.04%	0.00%
2022	3.43%	0.00%
2021	3.20%	0.00%
2020	2.85%	0.00%
2019	2.63%	0.00%
2018	3.04%	0.00%
2017	2.49%	0.27%
2016	2.48%	1.28%
2015	3.01%	4.07%
2014	2.77%	10.25%
2013	2.47%	6.28%
2012	2.76%	5.11%
2011	3.36%	0.00%
2010	1.94%	0.00%
2009	1.90%	0.00%
2008	4.00%	0.00%
2007	2.22%	0.00%
2006	2.62%	0.00%
2005	2.80%	0.00%
2004	2.78%	0.00%
2003	3.79%	0.00%
2002	2.74%	0.00%
2001	1.98%	0.00%
2000	2.03%	0.00%
1999	0.56%	0.00%