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 $1.9B — 1.3× the size. HCI Group, Inc. trades at the lower P/E: 8.3× against 10.7×. HCI Group, Inc. grew revenue faster over the last twelve months: 22.8% against 5.88%. HCI Group, Inc. has the higher net margin (31.3% vs 10.2%) and the higher return on invested capital (79.2% vs 7.75%). Both pay a dividend; Horace Mann Educators Corporation yields more (3.09% vs 0.81%). 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 8.27 10.75 10.75
P/S 2.55 1.09 1.21
P/B 2.07 1.26 1.99
Price to free cash flow 5.96 3.35 7.76
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 12.09% 9.30% 9.08%
Free cash flow yield 16.78% 29.87% 12.11%

Profitability

Metric HCI HMN Insurance Property & Casualty median
Gross margin 59.73% 46.89% 41.16%
Operating margin 48.84% 14.57% 15.09%
Net margin 31.32% 10.15% 11.51%
Free cash flow margin 42.99% 32.42% 17.46%
Return on equity 30.46% 12.38% 17.34%
Return on assets 11.92% 1.17% 3.74%
Return on invested capital 79.17% 7.75% 12.06%

Growth

Metric HCI HMN Insurance Property & Casualty median
Revenue growth (TTM) 22.77% 5.88% 8.02%
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 0.40 0.25
Current ratio 0.69 0.06 0.42
Net debt to EBITDA (2.56) 2.14 0.08

Dividend

Metric HCI HMN Insurance Property & Casualty median
Dividend yield 0.81% 3.09% 1.50%
Payout ratio 0.07 0.33 0.14

Size

Metric HCI HMN Insurance Property & Casualty median
Market cap 2.44b 1.86b 2.67b

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack