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Universal Insurance Holdings vs Horace Mann Educators: UVE and HMN compared
Universal Insurance Holdings is the larger company: $439M of revenue in its latest quarter (Q3 2026) against $439M for Horace Mann Educators (Q3 2026). Universal Insurance Holdings is growing faster (+10% against +0.2% a year earlier). Horace Mann Educators is more profitable, with an operating margin of 16.5% against 16.4%.
Where the money goes: UVE and HMN
Universal Insurance Holdings (UVE) · Q3 2026
Universal Insurance Holdings, Q3 2026: revenue $439M (+10% year over year), operating margin 16.4%, net earnings $52.5M, operating cash flow $83.0M. The chart follows the revenue to costs, profit and cash.
Horace Mann Educators (HMN) · Q3 2026
Horace Mann Educators, Q3 2026: revenue $439M (+0.2% year over year), operating margin 16.5%, net earnings $58.5M, operating cash flow $112M. The chart follows the revenue to costs, profit and cash.
| Universal Insurance Holdings (UVE) | Horace Mann Educators (HMN) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $439M | $439M |
| Revenue growth, Y/Y | +10% | +0.2% |
| Operating margin | 16.4% | 16.5% |
| Net earnings | $52.5M | $58.5M |
| Net margin | 12.0% | 13.3% |
| Operating cash flow | $83.0M | $112M |
| Free cash flow | $82.0M | — |
| Market value | $1.4B | $2.2B |
| P/E | 5.8× | 12.4× |
| Analysts’ mean target | $51.00 | $56.50 |
Questions
Which is bigger, Universal Insurance Holdings or Horace Mann Educators?
Universal Insurance Holdings is the larger company: $439M of revenue in its latest quarter (Q3 2026) against $439M for Horace Mann Educators (Q3 2026).
Is Universal Insurance Holdings or Horace Mann Educators growing faster?
Universal Insurance Holdings is growing faster (+10% against +0.2% a year earlier).
Which is more profitable, Universal Insurance Holdings or Horace Mann Educators?
Horace Mann Educators is more profitable, with an operating margin of 16.5% against 16.4%.
More: Universal Insurance Holdings earnings · how Universal Insurance Holdings makes money · Horace Mann Educators earnings · how Horace Mann Educators makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Oct 29, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.