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: 7.5× against 12.1×. HCI Group, Inc. grew revenue faster over the last twelve months: 20.1% against 4.25%. Horace Mann Educators Corporation has the higher net margin (10.2% vs 0.00%) and the lower return on invested capital (8.57% vs 56.7%). Both pay a dividend; Horace Mann Educators Corporation yields more (2.72% vs 0.83%). Across the 21 metrics below, HCI Group, Inc. leads on 13 and Horace Mann Educators Corporation on 8.

Valuation

Metric HCI HMN Insurance Property & Casualty median
P/E 7.50 12.15 12.17
P/S 2.38 1.23 1.26
P/B 1.91 1.51 1.85
Price to free cash flow 5.11 3.79 8.04
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 13.33% 8.23% 8.20%
Free cash flow yield 19.58% 26.37% 11.86%

Profitability

Metric HCI HMN Insurance Property & Casualty median
Gross margin 60.98% 47.33% 37.39%
Operating margin 50.08% 14.67% 14.67%
Net margin 0.00% 10.16% 10.16%
Free cash flow margin 46.70% 0.00% 18.60%
Return on equity 0.00% 12.40% 16.59%
Return on assets 0.00% 1.15% 3.38%
Return on invested capital 56.67% 8.57% 9.43%

Growth

Metric HCI HMN Insurance Property & Casualty median
Revenue growth (TTM) 20.10% 4.25% 5.70%
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 0.69 0.07 0.49
Net debt to EBITDA (2.56) 2.14 0.08

Dividend

Metric HCI HMN Insurance Property & Casualty median
Dividend yield 0.83% 2.72% 1.56%
Payout ratio 0.06 0.33 0.15

Size

Metric HCI HMN Insurance Property & Casualty median
Market cap 2.39b 2.15b 2.64b

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