HCI Group, Inc. (HCI) vs Horace Mann Educators Corporation (HMN)

HCI Group, Inc. and Horace Mann Educators Corporation are both Insurance Property & Casualty companies. HCI Group, Inc. is the larger, with a market value of $2.4B against $2.2B — 1.1× the size. HCI Group, Inc. trades at the lower P/E: 7.2× against 12.3×. HCI Group, Inc. grew revenue faster over the last twelve months: 20.1% against 4.25%. HCI Group, Inc. has the higher net margin (32.2% vs 10.2%) and the higher return on invested capital (56.7% vs 8.57%). Both pay a dividend; Horace Mann Educators Corporation yields more (2.69% vs 0.86%). Across the 21 metrics below, HCI Group, Inc. leads on 16 and Horace Mann Educators Corporation on 5.

Valuation

Metric HCI HMN Insurance Property & Casualty median
P/E 7.17 12.29 11.90
P/S 2.31 1.24 1.24
P/B 1.86 1.53 1.86
Price to free cash flow 4.96 3.84 7.91
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 13.95% 8.14% 8.14%
Free cash flow yield 20.15% 26.07% 11.91%

Profitability

Metric HCI HMN Insurance Property & Casualty median
Gross margin 60.98% 47.33% 39.44%
Operating margin 50.08% 14.67% 14.71%
Net margin 32.23% 10.16% 10.47%
Free cash flow margin 46.70% 0.00% 18.60%
Return on equity 30.54% 12.40% 16.87%
Return on assets 12.49% 1.15% 3.49%
Return on invested capital 56.67% 8.57% 11.84%

Growth

Metric HCI HMN Insurance Property & Casualty median
Revenue growth (TTM) 20.10% 4.25% 5.51%
EPS growth (last fiscal year) 155.57% 57.26% 39.61%
Revenue growth, 5-year CAGR 23.75% 5.36% 9.23%
Net income growth, 5-year CAGR 61.50% 3.99% 10.09%

Health

Metric HCI HMN Insurance Property & Casualty median
Debt to equity 0.06 0.42 0.25
Current ratio 0.60 0.07 0.49
Net debt to EBITDA (2.56) 2.14 0.08

Dividend

Metric HCI HMN Insurance Property & Casualty median
Dividend yield 0.86% 2.69% 1.59%
Payout ratio 0.06 0.33 0.15

Size

Metric HCI HMN Insurance Property & Casualty median
Market cap 2.39b 2.15b 2.62b

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