Stocks / HMN vs OFG

HMN vs OFG: Which Stock Is the Better Buy?

Horace Mann Educators Corporation and OFG Bancorp side by side — fundamentals from SEC filings, refreshed nightly. Sector: Financial Services.

OFG is the larger company ($2.0B vs $2.0B). On the fundamentals, OFG earns a higher net margin (28.0% vs 9.5%); OFG has the stronger return on equity (14.8% vs 10.9%); OFG trades cheaper on earnings (9.6× vs 12.2×). Neither shows an obvious red flag in the filings. Full numbers below — the stronger figure on each row is in green.

AI verdict — HMN vs OFG, read from the filings

The stronger business, the cheaper stock, and the risks — synthesised from both companies’ SEC filings, every figure computed not guessed. Not investment advice.

 Horace Mann Educators Corporation (HMN)OFG Bancorp (OFG)
Market cap$2.0B$2.0B
Revenue (latest FY)$1.70B$731.44M
Net income (latest FY)$162.10M$205.10M
Revenue growth (5y CAGR)5.4%
Net margin9.5%28.0%
Return on equity10.9%14.8%
P/E ratio12.29.6
Dividend yield3.0%2.8%
Profitable years (of last 10)910
Positive free cash flowYes

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Use the filing period and source shown by each tool before treating two figures as comparable.

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See the full HMN vs OFG breakdown

Both companies across 19 years of income statement, balance sheet and cash flow — with ratios, health checks and Ask, the SEC-grounded research assistant. Free, no account needed.

Open HMN's full financials →   Open OFG's full financials →

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Frequently asked questions

Which is bigger, HMN or OFG?

OFG Bancorp is larger by market capitalization — $2.0B versus $2.0B.

Which grows faster, HMN or OFG?

Five-year growth data is not available for both companies.

Where does this data come from?

All figures are computed from official SEC filings (10-K), refreshed nightly. This is a data comparison, not investment advice.

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HMN fundamentals → · OFG fundamentals → · All 1,500+ companies → · Free screener →