Amacore Group (OTCMKTS:ACGI) & Horace Mann Educators (NYSE:HMN) Critical Analysis

Amacore Group (OTCMKTS:ACGI) and Horace Mann Educators (NYSE:HMN) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their profitability, dividends, valuation, analyst recommendations, earnings, risk and institutional ownership.

Profitability

This table compares Amacore Group and Horace Mann Educators’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Amacore Group	N/A	N/A	N/A
Horace Mann Educators	8.49%	14.23%	1.29%

Earnings and Valuation

This table compares Amacore Group and Horace Mann Educators”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Amacore Group	N/A	N/A	N/A	N/A	N/A
Horace Mann Educators	$1.60 billion	1.13	$102.80 million	$3.38	13.07

Horace Mann Educators has higher revenue and earnings than Amacore Group.

Insider and Institutional Ownership

99.3% of Horace Mann Educators shares are held by institutional investors. 4.0% of Horace Mann Educators shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Analyst Recommendations

This is a breakdown of current ratings and target prices for Amacore Group and Horace Mann Educators, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Amacore Group	0	0	0	0	0.00
Horace Mann Educators	0	3	1	1	2.60

Horace Mann Educators has a consensus target price of $46.75, suggesting a potential upside of 5.85%. Given Horace Mann Educators’ stronger consensus rating and higher probable upside, analysts plainly believe Horace Mann Educators is more favorable than Amacore Group.

Summary

Horace Mann Educators beats Amacore Group on 10 of the 10 factors compared between the two stocks.

About Amacore Group

The Amacore Group, Inc. provides and markets healthcare-related membership products for individuals and families. Its products include limited and major medical insurance programs, supplemental medical insurance, and discount dental and vision programs. The company also provides and markets lifestyle membership programs, including insurance discounts, discount benefit savings, ID theft, legal counsel, credit management, automotive warranties, employment protection, and a host of others. The company serves insurance carriers, financial institutions, affiliate marketers, direct marketers, insurance agents, and fortune 500 companies. It distributes its products and services through various distribution methods, such as its agent network, inbound call center, in-house sales representatives, network marketing, and affinity marketing partners, as well as through third-party direct response marketers. The Amacore Group, Inc. was formerly known as Eye Care International Inc. and changed its name to The Amacore Group, Inc. in April 2005. The company was founded in 1993 and is based in Maitland, Florida.

About Horace Mann Educators

Horace Mann Educators Corporation, together with its subsidiaries, operates as an insurance holding company in the United States. The company operates through Property & Casualty, Life & Retirement, and Supplemental & Group Benefits segments. Its Property & Casualty segment offers insurance products, including private passenger auto insurance, residential home insurance, and personal umbrella insurance; and provides auto coverages including liability and collision, and property coverage for homeowners and renters. The Life & Retirement segment markets tax-qualified fixed, fixed indexed, and variable annuities; and internal revenue code for educator, which allows public school employees and employees of other tax-exempt organizations, such as not-for-profit private schools, to utilize pretax income to make periodic contributions to a qualified retirement plan. The Supplemental & Group Benefits segment offers employer-sponsored products including accident, critical illness, limited-benefit fixed indemnity insurance, term life, and short-term and long-term disability, as well as worksite direct products, such as supplemental heart, cancer, disability, and accident coverage. The company was founded in 1945 and is headquartered in Springfield, Illinois.